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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 ...
Finland's banking sector expands : Banking Union mitigates risks
(13.12.2017)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
There are no immediate threats to the stability of the Finnish financial system. The relocation of Nordea’s corporate headquarters will, however, increase the banking sector’s exposure to structural vulnerabilities. The ...
Household indebtedness contributing to corporate loan losses
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Household indebtedness and overheating of the housing market have contributed to financial crises throughout history. However, a considerable proportion of banks’ losses during crises have resulted from corporate loans. ...
Rising household debt poses risk to the economy
(16.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The primary purpose of the macroprudential measures that restrict lending for house purchase is to reduce the economy’s exposure to risks stemming from high household indebtedness. These risks are realised when indebted ...
New methods needed to rein in consumer credit
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Consumer credit to households keeps increasing, and roughly one in four Finns held consumer credit in 2019 (Finance Finland).
Are Finns living beyond their means?
(10.01.2019)
Bank of Finland. Bulletin 5/2018
Bank of Finland. Bulletin 5/2018
Finnish household consumption surpassed disposable income in 2016–2017. This has raised public concerns over household indebtedness. Is there a cause for concern, and how does household saving in Finland stack up against ...
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.
Financial Stability Assessment : Debt risks amplified by housing company loans
(18.12.2018)
Bank of Finland. Bulletin 5/2018
Bank of Finland. Bulletin 5/2018
Housing company loans and consumer credit add to high and rising levels of household indebtedness. The macroprudential toolkit needs to be replenished with borrower-based instruments that take into account loan applicants’ ...
Lowering the loan cap will reduce the risks associated with debt
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
A macroprudential decision taken by the Financial Supervisory Authority's Board in early spring to tighten the maximum loan-to-collateral (LTC) ratio for housing loans will bolster the stability of the Finnish financial ...