20. ADC exposures to public housing or not-for profit entities across the Union that are regulated by law and that exist to serve social purposes and to offer tenants long-term housing should be subject to the treatment referred to in paragraph 21 where both of the following conditions are met:
a. The intended use of the property is exclusively for lease;
b. The property being financed is subject to a regulation specifying the eligibility to qualify for social/public housing, including criteria for applicants in relation to their income, their family size, their residency status, and requirements for the construction, including the size of each unit or being barrier-free.
21. For the purposes of Article 126a(2), point (a), of the CRR, institutions should be allowed to apply to the ADC exposure s referred to in paragraph 20 either all the requirements related to lease laid down in paragraphs 1 to 19 of these Guidelines or the same requirements with all the following adjustments:
a. Subs
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