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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 ...
Strong rise in interest rates puts strain on mortgage borrowers
(09.06.2023)
Bank of Finland. Bulletin 1/2023
Bank of Finland. Bulletin 1/2023
The long-continued growth in household indebtedness came to a halt at the end of 2022. Households were borrowing less as a result of the rapid rise in interest expenses and the cost of living, together with uncertainty ...
Savings help households cope with rising interest rates
(05.07.2023)
Bank of Finland. Bulletin 2/2023
Bank of Finland. Bulletin 2/2023
The rise in consumer prices and interest rates continues to put a strain on households this year. This is affecting households in a variety of ways, depending on their income, wealth and debt. The cost of living of low-income ...