The number of mortgage accounts in arrears continued to fall in the second quarter of the year, according to the Central Bank.
There were 73,706 owner-occupier loans in arrears at the end of June, which is down 3.6% on the figure recorded in March.
That marks four years of consistent declines, though arrears cases still represent 10% of all owner-occupier mortgages.
More than 32,000 (43.6%) of such cases were in arrears for more than 720 days, with that figure falling by 2.4% in the quarter.
However the outstanding balance on these long-term arrears stood at €7.23m, which is more than half the total amount owed by all arrears cases.
Those long-term cases also represented the vast bulk – almost 90% – of the arrears currently owed to lenders.
Arrears also declined amongst buy-to-let arrears cases, which fell 2.8% in the quarter to 23,862.
Almost 60% of buy-to-let cases were in arrears for 720 days or more, with their outstanding balance representing more than 65% of what is owed by landlords in arrears.
The Central Bank says that rent receivers were appointed to 430 buy-to-let accounts during the quarter – which is down from 550 in the previous three month period.
The figures also show that when owner-occupier and buy-to-let cases are combined, there are 19,762 mortgage accounts being held by unregulated loan owners.
These are more likely to be in long-term arrears as well, with 41% of the accounts they hold in arrears for 720 days or more.