{"d":{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Subject(ID=58947L,Language='DE')","uri":"https://ws.parlament.ch/OData.svc/Subject(ID=58947L,Language='DE')","type":"itsystems.Pd.DataServices.DataModel.Subject"},"Meetings":{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Meeting(ID=4685L,Language='DE')","uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4685L,Language='DE')","type":"itsystems.Pd.DataServices.DataModel.Meeting"},"Sessions":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4685L,Language='DE')/Sessions"}},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Meeting(ID=4685L,Language='DE')/Subjects"}},"ID":"4685","Language":"DE","MeetingNumber":5,"IdSession":5117,"SessionNumber":17,"SessionName":"Wintersession 2022","Council":1,"CouncilName":"Nationalrat","CouncilAbbreviation":"NR","Date":"\/Date(1670198400000)\/","Begin":"1430","Modified":"\/Date(1675437722967)\/","LegislativePeriodNumber":51,"PublicationStatus":"final","MeetingOrderText":"F\u00fcnfte Sitzung","SortOrder":5,"Location":"N"},"SubjectsBusiness":{"results":[{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20227840,IdSubject=58947L,Language='DE')","uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20227840,IdSubject=58947L,Language='DE')","type":"itsystems.Pd.DataServices.DataModel.SubjectBusiness"},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20227840,IdSubject=58947L,Language='DE')/Subjects"}},"Businesses":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/SubjectBusiness(BusinessNumber=20227840,IdSubject=58947L,Language='DE')/Businesses"}},"IdSubject":"58947","BusinessNumber":20227840,"Language":"DE","BusinessShortNumber":"22.7840","Title":"Neue Regulierungsh\u00fcrden auf dem Hypothekarmarkt trotz drohendem Wohnungsmangel","SortOrder":1,"PublishedNotes":null,"Modified":"\/Date(1670062831986)\/","TitleDE":"Fragestunde.\nFrage Schneeberger Daniela.\nNeue Regulierungsh\u00fcrden\nauf dem Hypothekarmarkt\ntrotz drohendem Wohnungsmangel","TitleFR":"Heure des questions.\nQuestion Schneeberger Daniela.\nMarch\u00e9 hypoth\u00e9caire.\nDe nouveaux obstacles r\u00e9glementaires\nmalgr\u00e9 la menace d'une p\u00e9nurie\nde logements","TitleIT":null}]},"Transcripts":{"results":[{"__metadata":{"id":"https://ws.parlament.ch/OData.svc/Transcript(ID=310598L,Language='DE')","uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=310598L,Language='DE')","type":"itsystems.Pd.DataServices.DataModel.Transcript"},"Subjects":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=310598L,Language='DE')/Subjects"}},"MembersCouncil":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=310598L,Language='DE')/MembersCouncil"}},"Businesses":{"__deferred":{"uri":"https://ws.parlament.ch/OData.svc/Transcript(ID=310598L,Language='DE')/Businesses"}},"ID":"310598","Language":"DE","IdSubject":"58947","VoteId":null,"PersonNumber":1108,"Type":1,"Text":"<pd_text><p>II est vrai que, actuellement, l'activit\u00e9 de construction de logements ne suffit pas \u00e0 couvrir la demande. C'est pourquoi il existe un risque de p\u00e9nurie de logements dans les ann\u00e9es \u00e0 venir.</p>\n<p>Afin de renforcer la r\u00e9silience du syst\u00e8me bancaire et de l'\u00e9conomie, le Conseil f\u00e9d\u00e9ral pr\u00e9voit d'int\u00e9grer le dispositif finalis\u00e9 de B\u00e2le III dans le droit suisse en adaptant l'ordonnance sur les fonds propres, dont l'entr\u00e9e en vigueur est pr\u00e9vue au 1er janvier 2025. En moyenne, et \u00e0 l'exception des grandes banques, les exigences en mati\u00e8re de fonds propres ne changeront pas de mani\u00e8re significative.</p>\n<p>Selon l'analyse d'impact de la r\u00e9glementation, la plupart des banques s'attendent \u00e0 une augmentation des taux d'int\u00e9r\u00eat hypoth\u00e9caires d'environ 10 points de base pour les emprunteurs. Au total, cela peut entra\u00eener une augmentation des co\u00fbts de financement de 216 millions de francs par an au maximum. Comme les banques ne peuvent r\u00e9percuter ces co\u00fbts que partiellement, ce montant se r\u00e9duit \u00e0 environ 66 millions de francs.</p>\n<p>Avec l'introduction du dispositif finalis\u00e9 de B\u00e2le III, les prescriptions de l'Association suisse des banquiers en mati\u00e8re de fonds propres et de dur\u00e9e d'amortissement pour les immeubles d'habitation sont \u00e9galement ramen\u00e9es \u00e0 leur niveau de 2019. Il en r\u00e9sulte, du c\u00f4t\u00e9 de la demande, une certaine compensation de l'exigence plus \u00e9lev\u00e9e pour les banques en mati\u00e8re de fonds propres.</p>\n</pd_text>","MeetingCouncilAbbreviation":"N","MeetingDate":"20221205","MeetingVerbalixOid":3628,"IdSession":"5117","SpeakerFirstName":"Guy","SpeakerLastName":"Parmelin","SpeakerFullName":"Parmelin Guy","SpeakerFunction":"BR-M","CouncilId":99,"CouncilName":"Bundesrat","CantonId":22,"CantonName":"Waadt","CantonAbbreviation":"VD","ParlGroupName":null,"ParlGroupAbbreviation":null,"SortOrder":1,"Start":"\/Date(1670250633441)\/","End":"\/Date(1670250725989)\/","Function":"BR-M","DisplaySpeaker":true,"LanguageOfText":"FR","Modified":"\/Date(1774876911045)\/","StartTimeWithTimezone":"\/Date(1670250633440+0060)\/","EndTimeWithTimezone":"\/Date(1670250725990+0060)\/","VoteBusinessNumber":null,"VoteBusinessShortNumber":null,"VoteBusinessTitle":null}]},"ID":"58947","Language":"DE","IdMeeting":"4685","VerbalixOid":697858,"SortOrder":1,"Modified":"\/Date(1670252763507)\/"}}