The Central Bank has indicated that it will not alter the mortgage deposit restrictions when the first review of the new rules is published in November.
In a speech last night, the bank's deputy governor Sharon Donnery said it was too early to change the measures and that it would be unwise to adjust them at this stage.
The loan-to-income and loan-to-value rules brought in last year by the Central Bank are designed to make the financial system safer, and prevent consumers overloading themselves with debt.
But they have been criticised by property industry groups for depressing the growth of house prices, and ultimately holding back the construction of more houses.
Ms Donnery told the Dublin Economic Workshop that the objective was to strengthen the resilience of both borrowers and the banking sector and the rules were designed to be a permanent feature of the Irish system.
The bank received 50 public submissions on the rules from individuals, industry experts, and other interested parties.
She said these were currently being analysed and a number of them highlighted the need to improve awareness on the calibration of the measures and on the availability of allowances under the proportionate cap system.
