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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 ...
The impact of the housing market on the Swedish economy
(27.04.2018)
Bank of Finland. Bulletin 1/2018
Bank of Finland. Bulletin 1/2018
Sweden's economy is performing well. Economic growth is robust and inflation is close to the target level, despite the accommodative stance of monetary policy. Sweden's general government finances are slightly in surplus ...
Bank of Finland Bulletin : Bank of Finland articles on the economy 2/2018
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
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 ...
Finland grows, and gathers more debt
(26.06.2017)
Bank of Finland. Bulletin 3/2017
Bank of Finland. Bulletin 3/2017
The economic upswing in Finland has strengthened, and growth particularly in the first part of 2017 has been strong in the light of the statistical data. Economic growth in recent years has rested exclusively on domestic ...
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 ...
Monetary policy supports Finnish recovery
(09.06.2016)
Bank of Finland. Bulletin 3/2016
Bank of Finland. Bulletin 3/2016
The euro area economy continued to grow in 2015, and forecasts for 2016 indicate a continuation of this positive trend. The unemployment rate has come down gradually from its previous high level. Notwithstanding the ...