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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 ...
No imminent threats in financial sector, but stability must be ensured
(19.05.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Euro area monetary policy and domestic fiscal and structural policies are supporting Finland’s slowly recovering economy. In a weak cyclical environment, there are no signs of acute threats to financial stability. The low ...
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
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 ...
Risks on the Swedish housing market also a cause for concern in other Nordic countries
(06.07.2018)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
Due to the interconnectedness of the Nordic real economies and financial systems, an extensive materialisation of risks on the Swedish housing market could also have notable effects in the other Nordic countries. The ...
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 ...