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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
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 ...
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. ...
Editorial : New instruments are needed to rein in household debt
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Household behaviour and business activity continue to be very much influenced by the COVID-19 pandemic. The prospects for the economic environment returning to a state of normalcy are improving, however, as vaccine rollouts ...