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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 ...
Monetary policy will continue to support price stability and growth
(20.12.2016)
Bank of Finland. Bulletin 5/2016
Bank of Finland. Bulletin 5/2016
Of the various factors of uncertainty surrounding the international economic outlook at the present time, a substantial proportion relates to policy choices. Much expectation focuses on US economic policy in the immediate ...
Household debt – how much is too much?
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
The trends of the early post-millennium years – a larger average loan size and longer loan repayment periods – have permanently increased household vulnerability to debt-related risks in Finland. Household indebtedness ...
Consolidation measures strengthen public finances
(30.06.2015)
Bank of Finland. Bulletin 3/2015
Bank of Finland. Bulletin 3/2015
The effects of the Government’s economic policy programme are assessed separately in this alternative scenario, as the programme is not included in the baseline forecast. The consolidation measures, if carried through, ...
Macroprudential supervision racing to keep pace with market developments
(02.10.2015)
Bank of Finland. Bulletin 4/2015
Bank of Finland. Bulletin 4/2015
In a prolonged environment of exceptionally low interest rates, the authorities are responsible for ensuring the adequate monitoring of potential vulnerabilities due to low interest rates. Before measures to manage risks ...
One country, many housing markets
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
Regional divergence is a strong feature of the Finnish housing market and household debt. House prices are higher in growth centres than in the rest of the country, and households in growth centres also have more housing ...
High housing debt increases risks to financial stability
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Finland’s financial system is, by structure, vulnerable to risks associated with lending for house purchase. Housing loan volumes are large relative to other lending by banks and requirements on banks’ own funds. The fact ...
Risks in long-term and large home loans : Sweden's worry is also ours
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
Household debt relative to income is currently at a record high in Finland and Sweden. High household indebtedness exposes both the financial system and the economy to risks. In Finland, home loans are typically paid off ...
The overall picture of debt accumulation gets blurred as provision of consumer credit becomes diversified
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
Finnish household debt accumulation is also rapidly increasing via consumer credit. The majority of these loans are still from credit institutions, but there is a growing number of channels for credit provision. Lending ...
Bank of Finland Bulletin: Bank of Finland articles on the economy 2/2019
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019