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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 ...
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
Nordic housing market risks can affect Finland’s economy
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
The Bank of Finland has been monitoring Nordic real estate market risks for a considerable time. There are substantial vulnerabilities associated with household indebtedness and residential property prices in the Nordic ...
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 ...