The Swedish Mortgage Market

This report is based on FI’s annual review of the mortgage market. It describes the loan-to-value ratios, indebtedness, loan terms and conditions and repayment capacity of Swedish households. Published once a year.

2019

The Swedish Mortgage Market (2019)

High debt can mean risks for individual households, banks, financial stability and macroeconomic development. The mortgage survey serves as an important basis for the assessment of the risks associated with household debt.

2018

The Swedish Mortgage Market

Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this work. High debt can mean risks for individual households, banks, financial stability and the macroeconomic devel-opment.

2017

The Swedish Mortgage Market (2017)

Household debt is a crucial matter which FI monitors closely, and the mortgage survey is an important part of this work. Household debt has increased sharply in recent years. During the same period, mortgage rates have fallen and are now at historically low levels, and house prices have also risen rapidly. Finansinspektionen (FI) judges there to be an elevated risk that house prices will fall compared to a normal state, and it is more likely that interest rates will rise than that they will fall.

2016

The Swedish Mortgage Market (2016)

The average debt-to-income ratio for households with new mortgages increased from 387 per cent to 406 per cent between 2014 and 2015, according to FI:s report.

2015

The Swedish Mortgage Market 2015

Finansinspektionen monitors the mortgage market and household indebtedness closely, and the mortgage survey is an important part of that process. The survey for 2014 shows that the average loan-to-value ratio and debt-to-income ratio was unchanged between 2013 and 2014, despite rapidly increasing house prices.

2014

The Swedish Mortgage Market 2014

2014-04-10 | Reports

A smoothly functioning credit market is fundamental to the ability of modest-wealth households to purchase a home. However, high indebtedness carries a risk for individual households, and can pose a risk to financial stability. It is therefore important for Finansinspektionen (FI) to monitor developments in household indebtedness.

2013

The Swedish Mortgage Market

2013-03-07 | Reports Consumer Bank

This report is based on Finansinspektionen's (FI's) third large mortgage survey. The survey is based on comprehensive material from the eight largest banks in Sweden.

2012

The Swedish Mortgage Market

2012-03-13 | Reports Consumer Bank

Loan-to-value ratios decreased for the first time in 10 years and the share of households with new loans over 85 percent has fallen by fifty per cent since 2009. These are some of the findings in Finansinspektionen’s follow-up of the mortgage cap.

2010

2009

Development on the mortgage market

2009-05-15 | Reports Bank

Finansinspektionen (FI) has surveyed the development in the banks’ lending for single-family houses and tenant-owner’s flats. At the end of 2008, Swedish households had approximately SEK 1,800 billion in mortgage loans. The investigated banks’ lending constitutes just under 90 per cent of this.

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