Where credit institutions fail to  adequately control mortgage lending risks, the Central Bank will impose loan-to-value ceilings on mortgages, caps on loan-to-income multiples, limits on the term of new mortgages, and more rigorous procedures for verifying borrowers’ incomes. A well-functioning housing market requires that both buyers and sellers have access to reliable information on  price trends in their neighbourhood, and for different dwelling types.
This example text from a political party manifesto is negative towards traditional morality, for example against religious moral values, for divorce or abortion, for modern families or separation of church and state