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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 ...
Finland's neighbours rein in lending for house purchase
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Finland's neighbouring countries have actively adopted macroprudential instruments to counter stability risks relating to lending for house purchase. Sweden and Norway are taking strong measures to restrain housing credit ...
Nordic interconnectedness and indebted households pose a risk to financial stability
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
The Finnish financial system has operated reliably. The probability of serious disruptions related to economic and credit cycles is small in the immediate future. The structural vulnerabilities of the Finnish financial ...
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 ...
Financial stability: debt must be measured against repayment capacity
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Whereas recent economic and financial developments in Finland do not pose any immediate threats to financial stability, the permanent risks related to household indebtedness and the structure of the banking system have ...
Capping debt-to-income ratios complementary to housing loan cap
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finnish household debt relative to income has grown significantly since the turn of the millennium. In future, excessive borrowing could be stemmed by, for example, restricting the amount of credit available to households ...
How can we dampen the build-up of housing price bubbles?
(10.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
Finland has prepared for risks on residential mortgage loan markets by setting a maximum loan-to-value ratio for housing loans. In addition, preparations are currently underway for imposing minimum risk weights on housing ...
Corporate credit risk affected by business cycles and industry factors
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
The Finnish corporate loan stock has grown in recent years. Corporate loans are riskier than household loans, yet the default rates on corporate lending have almost returned to the levels prevailing before the financial crisis.
The highly indebted cut spending as the economy slows
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Financial and economic crises have often been preceded by excessive debt accumulation by households.