The limits can also be adjusted in response to conditions in housing markets; for example, the Financial Policy 2/8  BIS central bankers' speeches  Committee of the Bank of England has the authority to tighten LTV or DTI limits when threats to financial stability emerge from the U.K. housing market. Stricter LTV or DTI limits find some measure of success.
One study conducted across 119 countries from 2000 to 2013 suggests that lower LTV limits lead to slower credit growth.