The spread can be changed by mutual agreement between the parties – credit institution and bank customer – within the framework of a renegotiation of the contractual conditions.

Credit institutions are, however, prevented from increasing the spread of credit agreements for the acquisition, renovation or maintenance of ownership rights over permanent residential property if the renegotiation of this contract was motivated by:

• rental housing of the property of the borrower;

• change of ownership of the agreement due to divorce, legal separation of persons and property, dissolution of the unmarried partnership or death of one of the spouses, provided that the monthly instalment of the loan represents a debt service to income ratio of the household of the new owner of less than 55% or, in the case of two or more dependents, 60%.