An unexpected increase in the mortgage rates poses a significant risk to households' balance sheets which would dampen house pric-  Side 11 af 13  es. As we have previously experienced, such losses could challenge macroeconomic and financial stability if households are not sufficiently robust.
Slide 28: Legal and technical challenges have been addressed Let me conclude with some remarks on the legal and technical aspects of negative interest rates. In February 2015 the Minister for Business and Growth set up a task force to identify potential issues in relation to negative rates of interest on mortgage loans.