Definition: Real estate collateral location. Region or country where the collateral is located. The real estate collateral location is the region or the country where the real estate collateral is located. 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes
Reporting qualification: The real estate collateral location is to be reported only in the case of protection items for which the data attribute “type of protection” is reported in the protection received dataset as any of the three types of real estate collateral: • residential real estate collateral; • offices and commercial premises; • commercial real estate collateral. Otherwise, if the type of protection is not any of the real estate collateral types, the value “non-applicable” is reported.
Values: For real estate collateral located in a reporting Member State, the value is the code of the Nomenclature of Units for Territorial Statistics (NUTS) 3 region where the real estate collateral is located. In the context of AnaCredit, the conversion to NUTS 3 region is done centrally by the ECB on the basis of postal codes. Therefore, reporting agents are expected to report a postal code of the location of real estate collateral rather than the NUTS 3 code determined by the postal code, unless postal codes are not generally available in the country where the real estate collateral is located. In the latter case, reporting agents are expected to report a NUTS 3 code (if available) or the ISO country code of the location of the real estate collateral. For real estate collateral not located in any reporting Member State, the value is the ISO 3166-1 alpha-2 code of the country where the real estate collateral is located. It is also clarified that for real estate collateral located in a country that has a specific, separate alpha-2 code in the ISO 3166 standard, the specific two-letter code of the country is reported. This also applies in cases where the country is a subdivision of another country. Example 69: ISO country codes for the real estate collateral location In accordance with the ISO 3166 standard – codes for the representation of names of countries and their subdivisions – the United States of America includes one district, 50 states and six outlying areas. As regards the six outlying areas, they all have separate country code entries in the standard. For example, Puerto Rico, which is an outlying area of the United States, has the country code “PR”. The AnaCredit Regulation stipulates that the counterparty’s country is reported as an ISO 3166 alpha-2 code. ISO 3166 is the international standard for country codes and the codes of their subdivisions. The standard is intended for use in any application requiring the expression of current country names in coded form. An alpha-2 code is a two-letter code that represents a country name. Under AnaCredit, for counterparties located in a country that has a specific, separate alpha-2 code in the ISO 3166 standard, the specific two-letter code of the country is reported. Revision mark: further clarifications are included in line with Q&A 2017/0004 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes This means that the separate country code in the ISO 3166 standard is reported for counterparties established in any of the six outlying areas, rather than the country code of the United States. For example, for real estate collateral located in Puerto Rico, the data attribute “real estate collateral location” is reported as “PR”. General reporting instructions, specific cases and examples In relation to protection items which are not any of the real estate collateral types, the value “non-applicable” is reported. In the case of real estate collateral, the real estate collateral location is the region of a country where the real estate collateral is located, taking the account of the following: • if a postal code is available, then the location is identified by the two-digit ISO code of the country, a dash, and the postal code of the area where the real estate is located is reported; • if no postal code is in use in the relevant country, but the NUTS3 codes are in use, then (the country and) the NUTS3 code of the region where the real estate collateral is located is (are) reported; • if neither a postal code nor a NUTS3 code is available, a two-digit ISO code of the country where the real estate collateral is located is reported. Reporting agents update this data attribute in the event of an amendment of the NUTS 3 code of the country where the real estate collateral is located (cf. Section 2.4). For an illustration of how the real estate collateral location is reported to AnaCredit, consider the following example. Example 70: Reporting of the real estate collateral location 1. In March 2019, an observed agent (OA#1) extends a loan (Inst#1) to a legal entity. The loan is secured by commercial real estate collateral (RealEst#1) and a financial guarantee (Gua#2). 2. The real estate collateral is located in Frankfurt am Main, Germany. The area of the city where the property is located has the following postal code: 60311. In connection with Inst#1, both the real estate collateral and the financial guarantee are reported in the protection received dataset at 31 March 2019. The reporting of the data attribute “real estate collateral location” in the protection received dataset is depicted in Table 115. Table 115 Real estate collateral location Reporting reference date Protection identifier Type of protection Real estate collateral location 31/03/2019 REALEST#1 Commercial real estate collateral DE-60311 31/03/2019 GUA#2 Financial guarantee other than credit derivatives “Non-applicable” Revision mark: further clarifications concerning the use of external code lists are included in line with Q&A 2017/0005 31 May 2019 AnaCredit Reporting Manual – Part II – Datasets and data attributes
Real estate collateral location (RL_ESTT_CLLTRL_LCTN)
Technischer Schlüssel: RL_ESTT_CLLTRL_LCTN
Pflichtfeld: nein
DSD: Protection
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- Neuere Version (1.19)
- Keine Änderungen zur Vorgängerversion.
Quelldokument
- AC XSD v1.18.zip (schema files) (v1.18, nicht die neueste Fassung)
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Definition (EN) – ECB Reporting Manual Part II
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Definition: Real estate collateral location. Region or country where the collateral is located. The real estate collateral location is the region or the country where the real estate collateral is located.
Reporting qualification: The real estate collateral location is to be reported only in the case of protection items for which the data attribute “type of protection” is reported in the protection received dataset as any of the three types of real estate collateral: • residential real estate collateral; • offices and commercial premises; • commercial real estate collateral. Otherwise, if the type of protection is not any of the real estate collateral types, the value “Non-applicable” is reported.
Values: For real estate collateral located in a reporting Member State, the value is the code of the Nomenclature of Units for Territorial Statistics (NUTS) 3 region where the real estate collateral is located. For real estate collateral not located in any reporting Member State, the value is the ISO 3166-1 alpha-2 code of the country where the real estate collateral is located. In the context of AnaCredit, the conversion to NUTS 3 region will be done centrally by the ECB on the basis of postal codes. Therefore, reporting agents are expected to report a postal code of the location of real estate collateral rather than the NUTS 3 code determined by the postal code, unless postal codes are not generally available in the country where the real estate collateral is located. In the latter case, reporting agents are expected to report a NUTS 3 code (if available) or an ISO code of the country of the real estate collateral. General reporting instructions, specific cases and examples In relation to protection items which are not any of the real estate collateral types, the value “Non-applicable” is reported. In the case of real estate collateral, the real estate collateral location is the region of a country where the real estate collateral is located, taking the account of the following: • if a postal code is available, then the location is identified by the two-digit ISO code of the country, a dash, and the postal code of the area where the real estate is located is reported; 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes • if no postal code is in use in the relevant country, but the NUTS3 codes are in use, then (the country and) the NUTS3 code of the region where the real estate collateral is located is (are) reported; • if neither a postal code nor a NUTS3 code is available, a two-digit ISO code of the country where the real estate collateral is located is reported. Please refer also to the section on the attribute “address: county/administrative division” in the chapter on counterparty reference data. For an illustration of how the real estate collateral location is reported to AnaCredit, consider the following example. Example 58: Reporting of the real estate collateral location 1. In March 2019, an observed agent (OA#1) extends a loan (Inst#1) to a legal entity. The loan is secured by commercial real estate collateral (RealEst#1) and a financial guarantee (Gua#2). 2. The real estate collateral is located in Frankfurt am Main, Germany. The area of the city where the property is located has the following postal code: 60311. In connection with Inst#1, both the real estate collateral and the financial guarantee are reported in the protection received dataset at 31 March 2019. The reporting of the data attribute “real estate collateral location” in the protection received dataset is depicted in Table 111. Table 111 Real estate collateral location Reporting reference date Protection identifier Type of protection Real estate collateral location 31/03/2019 REALEST#1 Commercial real estate collateral DE-60311 31/03/2019 GUA#2 Financial guarantee other than credit derivatives “Non-applicable” -
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Definition: Real estate collateral location. Region or country where the collateral is located. The real estate collateral location is the region or the country where the real estate collateral is located.
Reporting qualification: The real estate collateral location is to be reported only in the case of protection items for which the data attribute “type of protection” is reported in the protection received dataset as any of the three types of real estate collateral: • residential real estate collateral; • offices and commercial premises; • commercial real estate collateral. Otherwise, if the type of protection is not any of the real estate collateral types, the value “Non-applicable” is reported.
Values: For real estate collateral located in a reporting Member State, the value is the code of the Nomenclature of Units for Territorial Statistics (NUTS) 3 region where the real estate collateral is located. For real estate collateral not located in any reporting Member State, the value is the ISO 3166-1 alpha-2 code of the country where the real estate collateral is located. In the context of AnaCredit, the conversion to NUTS 3 region will be done centrally by the ECB on the basis of postal codes. Therefore, reporting agents are expected to report a postal code of the location of real estate collateral rather than the NUTS 3 code determined by the postal code, unless postal codes are not generally available in the country where the real estate collateral is located. In the latter case, reporting agents are expected to report a NUTS 3 code (if available) or an ISO code of the country of the real estate collateral. General reporting instructions, specific cases and examples In relation to protection items which are not any of the real estate collateral types, the value “Non-applicable” is reported. In the case of real estate collateral, the real estate collateral location is the region of a country where the real estate collateral is located, taking the account of the following: • if a postal code is available, then the location is identified by the two-digit ISO code of the country, a dash, and the postal code of the area where the real estate is located is reported; 28 February 2017 AnaCredit Reporting Manual – Part II – Datasets and data attributes • if no postal code is in use in the relevant country, but the NUTS3 codes are in use, then (the country and) the NUTS3 code of the region where the real estate collateral is located is (are) reported; • if neither a postal code nor a NUTS3 code is available, a two-digit ISO code of the country where the real estate collateral is located is reported. Please refer also to the section on the attribute “address: county/administrative division” in the chapter on counterparty reference data. For an illustration of how the real estate collateral location is reported to AnaCredit, consider the following example. Example 58: Reporting of the real estate collateral location 1. In March 2019, an observed agent (OA#1) extends a loan (Inst#1) to a legal entity. The loan is secured by commercial real estate collateral (RealEst#1) and a financial guarantee (Gua#2). 2. The real estate collateral is located in Frankfurt am Main, Germany. The area of the city where the property is located has the following postal code: 60311. In connection with Inst#1, both the real estate collateral and the financial guarantee are reported in the protection received dataset at 31 March 2019. The reporting of the data attribute “real estate collateral location” in the protection received dataset is depicted in Table 111. Table 111 Real estate collateral location Reporting reference date Protection identifier Type of protection Real estate collateral location 31/03/2019 REALEST#1 Commercial real estate collateral DE-60311 31/03/2019 GUA#2 Financial guarantee other than credit derivatives “Non-applicable”
Ergänzende Beschreibung (DE) – Bundesbank Richtlinien
In diesem Datenfeld ist die Region oder Land, in dem sich die Immobiliensicherheit befindet, anzugeben. Der Belegenheitsort der Immobiliensicherheit ist nur für Sicherheiten zu melden, bei denen im Datenfeld Art der Sicherheit eine der folgenden drei Arten von Immobiliensicherheiten gemeldet wird: – „durch Wohnimmobilien besichert“ – „Büro- und Gewerbeimmobilien“ Deutsche Bundesbank Statistik Richtlinien Juli 2026 6.137 Kreditdaten- statistik – „durch Gewerbeimmobilien besichert“ Handelt es sich bei der Art der Sicherheit nicht um eine der drei Arten von Immobiliensicherheiten, ist der Wert „nicht zutreffend“ zu melden. Für Immobiliensicherheiten, die sich in einem EU-Mitgliedstaat befinden, ist der Kreis bzw. die Verwaltungseinheit (NUTS-3-Klassifikation) der amtlichen Gemeinde anzugeben, in dem die Immobiliensicherheit beispielsweise gemäß Grundbuch eingetragen / gelegen ist. Eine Zuordnung der meisten Postleitzahlen zu den jeweiligen NUTS-3-Kennungen findet sich auf der Eurostat-Internetseite1) und der Seite der Europäischen Kommission.2) Maßgeblich für die AnaCredit-Meldung ist der aktuell gültige Wert der Codeliste für das Datenfeld Belegenheitsort der Immobiliensicherheit. Bei Immobiliensicherheiten, die sich nicht in einem EU-Mitgliedstaat befinden, ist der ISO 3166-1 Alpha-2-Code des Landes anzugeben, in dem sich die Immobiliensicherheit befindet.
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In diesem Datenfeld ist die Region oder Land, in dem sich die Immobiliensicherheit befindet, anzugeben. Der Belegenheitsort der Immobiliensicherheit ist nur für Sicherheiten zu melden, bei denen im Datenfeld Art der Sicherheit eine der folgenden drei Arten von Immobiliensicherheiten gemeldet wird: – „durch Wohnimmobilien besichert“ – „Büro- und Gewerbeimmobilien“ Deutsche Bundesbank Statistik Richtlinien Januar 2026 6.136 Kreditdaten- statistik – „durch Gewerbeimmobilien besichert“ Handelt es sich bei der Art der Sicherheit nicht um eine der drei Arten von Immobiliensicherheiten, ist der Wert „nicht zutreffend“ zu melden. Für Immobiliensicherheiten, die sich in einem EU-Mitgliedstaat befinden, ist der Kreis bzw. die Verwaltungseinheit (NUTS-3-Klassifikation) der amtlichen Gemeinde anzugeben, in dem die Immobiliensicherheit beispielsweise gemäß Grundbuch eingetragen / gelegen ist. Eine Zuordnung der meisten Postleitzahlen zu den jeweiligen NUTS-3-Kennungen findet sich auf der Eurostat-Internetseite1) und der Seite der Europäischen Kommission.2) Maßgeblich für die AnaCredit-Meldung ist der aktuell gültige Wert der Codeliste für das Datenfeld Belegenheitsort der Immobiliensicherheit. Bei Immobiliensicherheiten, die sich nicht in einem EU-Mitgliedstaat befinden, ist der ISO 3166-1 Alpha-2-Code des Landes anzugeben, in dem sich die Immobiliensicherheit befindet.
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