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New housing loans keep growing in size : increased share of longer-than-usual loans
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
In Finland, a new housing loan usually has a maturity of 25 years and an interest rate and monthly loan-servicing costs that change once a year according to the 12-month Euribor. The loan is typically close to four times ...
Accessible summary : Russia’s invasion reminds us that the financial system needs to be well prepared to bear risks
(04.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Finland’s financial system has remained stable, but uncertainty has increased. The general level of prices is rising rapidly at the same time as economic growth is expected to fade. Growth in unavoidable costs and in ...
Pace of debt growth disquieting
(18.12.2015)
Bank of Finland. Bulletin 5/2015
Bank of Finland. Bulletin 5/2015
The prolonged recession in the Finnish economy has been directly reflected in the public finances, which have posted a deficit for 6 years already. In 2017, the public debt will rise to over 68% of GDP, which is more than ...
Rising indebtedness increases risks in China
(13.04.2016)
Bank of Finland. Bulletin 1/2016
Bank of Finland. Bulletin 1/2016
The total amount of public and private debt in China has increased rapidly since the financial crisis. The country’s debt-to-GDP ratio has already reached the level seen in many advanced economies. The rapid rise in debt ...
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 ...
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 ...
Instruments designed to mitigate indebtedness
(24.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
Borrower-based instruments generally refer to measures aimed at mitigating the indebtedness of individuals or households. These instruments have most commonly been used to impose limits on housing loans. The purpose of ...
Accessible summary: household debt burden worryingly large – we must take a variety of measures to guard against the risks
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finnish households are carrying a worryingly large amount of debt. Housing loans and housing company loans have become more common and larger, and their repayment periods have become longer. In addition, the supply of ...
Editorial: Rising household debt levels must be addressed in time
(09.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finland's financial system is structurally vulnerable due to the country's high levels of household debt and proportionately large banking system. Indebted households respond to declining economic conditions and increased ...
Household savings historically low
(29.06.2017)
Bank of Finland. Bulletin 3/2017
Bank of Finland. Bulletin 3/2017
Saving by Finnish households has been at very low levels for an historically long time. Since autumn 2014, the savings ratio has actually been negative. Underlying contributory factors include the low level of interest ...