Haku
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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 ...
Financial Stability Assessment : Debt risks amplified by housing company loans
(18.12.2018)
Bank of Finland. Bulletin 5/2018
Bank of Finland. Bulletin 5/2018
Housing company loans and consumer credit add to high and rising levels of household indebtedness. The macroprudential toolkit needs to be replenished with borrower-based instruments that take into account loan applicants’ ...
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 ...