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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 ...
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 ...
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 ...
Low interest rates reflected in house prices
(23.06.2016)
Bank of Finland. Bulletin 3/2016
Bank of Finland. Bulletin 3/2016
House prices have in the past 10 years risen in the Helsinki Metropolitan Area faster than in the other large Finnish cities. The widening price gap may reflect the increasing attractiveness of the Helsinki Metropolitan ...
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 ...
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 ...
Nordic financial sector vulnerable to housing market risks
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Household indebtedness is high in the Nordic countries. Housing loans are a significant part of banks' business, and covered bonds are important for banks both as sources of funding and as investments. The large size of ...
Nordic countries are vulnerable to housing market risks aggravated by the coronavirus pandemic
(20.05.2020)
Bank of Finland. Bulletin 2/2020
Bank of Finland. Bulletin 2/2020
The coronavirus (COVID-19) pandemic is dampening the Nordic housing market in many ways. The economic outlook and consumer confidence in the economy have deteriorated precipitously. The restrictions imposed under the state ...
Wide regional disparities in Finnish house prices and household indebtedness
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Finland's house prices have diverged regionally over the past decade, particularly between the Helsinki metropolitan area and the rest of the country. Regional disparities on the housing market are also reflected in the ...