Graph 2  Fixed-rate Housing Loans Share of outstanding credit* %  %  30  30  20  20  10  10  0  0  2004  2007  2010  2013  2016  2019  2022  *  Dashed line assumes housing credit remains constant and all fixed-rate loans roll-over to variable rates; alternative scenarios assuming the current share of fixed-rate lending continues yields similar estimates.
But I am afraid that we have become very selective in our perception of Central and Eastern Europe. We tend to take note only of certain developments and give some good advice.