A stable, well-functioning financial market for allA stable, well-functioning financial market for allFI extends the risk-weight floors for Swedish mortgages and commercial real estate
FI has decided to extend the risk-weight floors by two years, from 31 December 2025 to 30 December 2027 for Swedish mortgages, and from 30 September 2025 to 29 September 2027 for Swedish commercial real estate.
FI assesses that the risks posed by high residential real estate prices and high household indebtedness – which were the original motivation behind introducing the measure for Swedish mortgages – have remained largely the same and that the measure is still needed. Similarly, the risks from high commercial real estate prices and high indebtedness in the sector remain largely the same and so the measure for commercial real estate is still needed.
The measures are applicable to banks that have permission to use the internal ratings based (IRB) approach.
On 30 April 2025, FI, through Article 458 of the Capital Requirements Regulation, informed the European Commission and the European Systemic Risk Board (ESRB) of FI's intention to extend the current risk-weight floor of 25 per cent for Swedish mortgages, 35 per cent for Swedish corporate exposures secured on commercial properties and 25 per cent for Swedish corporate exposures secured on residential properties. The European Commission approved FI's proposed measures on 24 June 2025.
- FI’s decision (In Swedish): Riskviktsgolv för svenska bolåneexponeringar ( < 1MB)
- FI’s decision (In Swedish): Riskviktsgolv för svenska kommersiella fastigheter ( < 1MB)
- European Commission approves FI’s extension of the risk-weight floors (2025-06-27)
- FI notifies the EU regarding extension of the existing risk-weight floor for Swedish mortgages and commercial real estate (2025-04-30)
