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Finland alerted to household debt
(27.01.2017)
Bank of Finland. Bulletin 5/2016
Bank of Finland. Bulletin 5/2016
The European Systemic Risk Board (ESRB), which is responsible for macroprudential oversight of the EU’s financial system, has issued a warning to Finland concerning the medium-term vulnerabilities related to household ...
Tightening regulation has only a limited impact on loan margins
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
The foreseeable tightening of bank capital requirements will only marginally add to bank costs and, by extension, to loan margins. The other side of the coin is that the most important tool at the disposal of the Financial ...
Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2021
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Increased flood risks caused by climate change will also affect banks
(22.01.2021)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
Due to climate change, extreme weather events will become more frequent, resulting in material damage to buildings and other infrastructure. In Finland, for example, this will probably increase the risk of coastal floods. ...
New mortgage-borrowers have an increasing amount of debt relative to income
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
New mortgage-borrowers’ total debt relative to income has increased in recent years. A higher proportion of new loans for house purchase are granted to highly indebted households relative to income. High debt-to-income ...
A debt-to-income cap would dampen economic fluctuations
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
How would the economy react in the long term if the maximum size of housing loans granted by banks were tied to the customer's income instead of the value of the dwelling to be purchased? This question can be examined using ...
Separating buy-to-let mortgages from other housing loans provides a clearer look into household debt
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
The stock of buy-to-let mortgages stood at EUR 8.1 billion at the end of March 2021, comprising 7.9% of the total stock of housing loans. It is estimated that buy-to-let mortgages have grown faster than the rest of the ...
Financial stability assessment : Debt-to-income cap and maturity limits necessary to curb financial stability risks
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
The vulnerabilities related to housing finance have increased in Finland during the COVID-19 pandemic. Long housing loans are being taken out more than ever and a larger proportion of new mortgages are being granted to ...
Imposing a loan-to-value limit on housing company loans would only affect a share of construction finance
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Housing company loans are contributing to household indebtedness and are changing the composition of household debt. Housing company loans can also incentivise residential property investors to become highly leveraged. ...
Instruments to prevent risk of indebtedness becoming more common in Europe
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Macroprudential instruments and their combinations affecting the demand-side of credit, i.e. borrower-based measures, aim at containing household indebtedness and preventing the build-up of risks on the housing market. ...