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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. ...
Instruments to prevent risk of indebtedness becoming more common in Europe
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Macroprudential instruments and their combinations affecting the demand-side of credit, i.e. borrower-based measures, aim at containing household indebtedness and preventing the build-up of risks on the housing market. ...
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 ...
The COVID-19 crisis built up indebtedness and increased external financing needs in low-income countries
(16.11.2021)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
The shock of the COVID-19 pandemic and the associated deterioration in the economic outlook has exacerbated solvency concerns and increased the risks of debt restructurings in low-income countries (LICs). Financing conditions ...
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 ...
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 ...
Bank of Finland Bulletin: Bank of Finland articles on the economy 2/2019
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019