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• The Swedish Mortgage Market 2015

  • Consumer
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  Published 2015-04-14 - so. 9 out of 10 households with loan-to-value ratios above 70 per cent amortise while it is only 4 out of 10 households with loan-to-value ratios of 50 … Since households with loan-to-value ratios above 50 per cent might react more strongly to economic shocks, FI has proposed an amortisation requirement

• Report: The Swedish Mortgage Market 2015

  50-65 >65 12.

  Data appendix: The Swedish Mortgage Market 2015

  2011 0-25 25-50 50-70 70-85 Above 85 23.433218421285247 15.583841598161408 13.356315742950589 36.144258817289845 11.482365420312915 2012 0-25 25-50 50
• Legal Position: Rule interpretation for deposits via digital platforms

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  Published 2025-03-24 - A report from FI shows that the volume of overnight deposits via the platforms for an individual institution can decrease by as much as 50 per cent from

• Legal position: Deposits through digital deposit platforms

  Report: Increased deposits via deposit platforms (Summary)
• A changing pension market

  • Insurance
  • Consumer
  • Published
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  Published 2008-09-29 - The procurement of supplementary pensions for salaried employees can reduce the fees for pensioners by more than 50 per cent.* Lower fees for pensioners

• Report in Swedish: Pensionsmarknad i förändring (2008:17)

  Om NN har valt att placera som mest 50 procent med fondförvaltning är sannolikheten stor att försäkringens värde fluktuerar.
• FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority

  • Consumer
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  • Published
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  • Consumer
  • Borrow

  Published 2025-02-27 - debt registered with the Swedish Enforcement Authority is that consumer credit institution, or those that are usually called instant loan firms, lent 50

• FI Analysis No. 48: Share of consumer credit in debt registered with the Swedish Enforcement Authority increases during economic recessions

  50 per cent larger.
• The Swedish Mortgage Market (2016)

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  • Consumer
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  • Mortgage

  Published 2016-04-14 - FI's proposed amortisation requirement, which encompasses households with new loans and loan-to-value ratios above 50 per cent, will increase the number

• The Swedish Mortgage Market (2016)

  50 51-65 65+ 11.

  Data appendix: The Swedish Mortgage Market (April 2016)

  -50 50-70 70-85 Above 85 2.61904 1.33876 0.90758000000000005 1.27834 2.9620299999999999 2015 0-25 25-50 50-70 70-85 Above 85 2.3725900000000002 1.28193
• From Account to Account VII

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  Published 2005-11-18 - During the same period, the Consumer Bank and Finance Agency has had about 50 consumer contacts concerning payment transfers within the EEA, which is somewhat

• Report in Swedish: Från konto till konto VII (2005:11)

  År 2003 var avgifterna 50 kr + 60 kr.
• The Swedish Mortgage Market: Households need to have margins for an uncertain future

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  • Mortgage
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  Published 2025-04-07 - The conditions for household finances improved in 2024. As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in…

• Report: The Swedish Mortgage Market 2024

  Therefore, we focus primarily on home buyers in this section. 0 10 20 30 40 50 60 70 80 Less than TSEK 500 MSEK 0.5–1 MSEK 1–2 MSEK 2–3 MSEK
• Covering of losses by insurance companies – a presentation of various methods

  • Insurance
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  Published 2006-09-08 - One starting point for the life insurance business is that policyholders should be treated fairly and reasonably. Any surplus that arises in a company should…

• Report in Swedish: Livbolagens förlusttäckning - redovisning av olika metoder (2006:7)

  50 1 550 1 500 50 1 550 Ändring av FTA -300 10 -290 -300 10 -290 Försäkringsersättningar -700 -200 -900 -700 -200 -900 Driftskostnader -150 -30 -180 -
• Stability in the Financial System (2025:1): Uncertainty could persist for a while

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  Published 2025-05-16 - The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time,…

• Stability in the Financial System (2025:1)

  Note: VIX and Eurostoxx vol show implicit volatility in options on S&P 500 and Eurostoxx 50.
• FI Analysis 52: Stress test of banks’ lending to non-financial firms

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  Published 2025-11-27 - Commercial real estate firms constitute the single largest risk of credit losses for banks in a stressed scenario. However, other sectors’ total loss…

• FI Analysis 52: Stress test of banks’ lending to non-financial firms

  For firms that enter into bankruptcy, we assume a provision rate of at least 50 per cent.
• Household savings in Sweden

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  • Consumer

  Published 2025-03-24 - Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets,…

• Report: Household savings in Sweden

  TSEK Assets 50–100 TSEK Assets 100–500 TSEK Assets 0,5–1 MSEK Assets 1–5 MSEK Assets 5–10 MSEK FINANSINSPEKTIONEN Household savings in Sweden Assets
• FI Supervision 30: The banks can strengthen their sanction screening

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  • In-depth analysis
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  Published 2024-12-09 - FI has tested the effectiveness of 19 banks' automated sanction screening systems. The result shows that the effectiveness of the systems that the banks use…

• In depth analysis on sanction screening

  In the test, FI reviewed whether banks’ systems for 0% 10% 20% 30% 40% 50% 60% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% FINANSINSPEKTIONEN
• Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs

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  Published 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…

• Stability in the Financial System (2024:2)

  -250 -200 -150 -100 -50 0 50 100 150 200 250 2018 2019 2020 2021 2022 2023 2024 Government bond Covered bond Municipal bond Corporate
• FI Analysis 11: Consequences of a stricter amortisation requirement

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  • Published
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  • Mortgage

  Published 2017-05-31 - Households with high loan-to-income ratios, i.e. large loans in relation to income, are vulnerable. They are sensitive to rising interest rates since their…

• FI Analysis 11: Consequences of a stricter amortisation requirement

  Source: Finansinspektionen. 0 500 1 000 1 500 2 000 2 500 0 500 1 000 1 500 2 000 2 500 S to ck h o lm G o th en b u rg O
• AI increasingly common in the financial sector, but risk management is lagging behind

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  Published 2024-12-06 - The new generative AI technology has spread rapidly and extensively throughout the Swedish financial sector. At the same time, the work to manage the risks…

• Report: AI in the Swedish financial sector

  66% 52% 14% 26% 20% 0% 10% 20% 30% 40% 50% 60% 70% 80% Machine learning (ML) General-purpose AI model (GenAI) Other AI-usage A - Use
• The Swedish Mortgage Market

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2018-04-04 - Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this…

• The Swedish Mortgage Market

  1 p ram 0-25 25-50 50-70 70-85 över 85 Note: Stock of existing mortgages. 11.
• FI Analysis 45: High risks in small and mid-sized commercial real estate firms

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  Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…

• FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms

  Below 1 1–2 2–3 Above 3 0 10 20 30 40 50 60 70 80 90 100 Listed Large Mid-sized Small Above 100 70–100 50–70 Below 50 FINANSINSPEKTIONEN
• Swedish Consumer Credit

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  Published 2022-12-21 - A large portion of Swedish households’ loans is for their homes. But the households also use loans to finance some of their consumption. Consumption credit…

• Swedish Consumer Credit 2022

  –250 250–500 500 eller mer 10-50 50–100 100–250 250–500 500 eller mer Blancolån Objektslån Median p90 FINANSINSPEKTIONEN Swedish Consumer Credit
• FI Analysis 10: Amortisation requirement reduced household debt

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  • Consumer
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  • Mortgage

  Published 2017-04-06 - This FI Analysis shows that the amortisation requirement has helped households with new mortgages change their behavior. New mortgagors are taking smaller…

• FI Analysis 10: Amortisation requirement reduced household debt

  200 300 400 500 2012 2013 2014 2015 2016 Below 50 per cent 50 to 70 per cent Above 70 per cent 100 200 300 400 500 100 200 300 400 500
• The households’ financial capability

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  Published 2009-06-17 - The majority of the Swedish households have a strong personal financial position and save for the long-term. Most of them have access to a bank account and…

• The households’ financial capability (summary)

  Svarsfördelning Kön Antal Andel Man 630 48 Kvinna 658 50 Totalt 1288 Ålder Antal Andel 18-29 44 3 30-39 137 10 40-49 248 19 50

  Report in Swedish: Pensionen oroar stabila hushåll (2009:11)

  One out of four households with persons in the age group of 50 to 65 years believes as well that their pension won’t be sufficient in relation to the
• Swedish loans for consumption

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  Published 2019-06-13 - The majority of consumption loans (non-mortgage loans) are small and have a high interest rate and a short maturity. However, it is households with large…

• Swedish Consumption Loans

  –5 5–10 10–20 20–50 50–100 > 100 9.26 13.83 9.48 9.41 17.600000000000001 15.27 25.15 Other collateral < 2 2–5 5–10 10–20 20–50 50–100 > 100 0 0 0.09

  Data appendix: Swedish Consumption Loans

  50–100 > 100 Without mortgage With mortgage 0 100 200 300 400 500 2008 2010 2012 2014 2016 2018 < SEK 50 thousand SEK 50–250 thousand Unsecured
• The Swedish Mortgage Market

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  • Consumer
  • Published
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  Published 2012-03-13 - 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…

• Report: The Swedish Mortgage Market

  disposable income (SEK) 38 500 36 900 33 500 30 500 33 700 Table 2.

  Appendix of diagrams

  3.5 > 50 20.7 Unamortised 57.4 Diagram 12.
• Swedish loans for consumption

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  • Consumer
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  • Mortgage
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  Published 2018-06-14 - Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of…

• Report: Swedish Consumption Loans 2018

  53 21 50–100 50 24 > 100 53 22 Source: FI.

  Appendix of diagrams

  The volume of new loans below SEK 50 000 has almost trebled since 2008 (Diagram 9).
• The Swedish Mortgage Market (2020)

  • Bank
  • Consumer
  • Stability
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  • Mortgage

  Published 2020-04-02 - The percentage of new mortgagors with a high level of debt in relation to either their income or the value of the home continues to be high. New mortgagors in…

• The Swedish Mortgage Market 2020

  <50 50-200 200-300 300-400 400-500 >500 2017 2018 2019 FINANSINSPEKTIONEN THE SWEDISH MORTGAGE MARKET 28 HOUSEHOLDS’ REPAYMENT CAPACITY more
• Development on the mortgage market

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  • Published
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  Published 2009-05-15 - 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…

• Report in Swedish: Bolån liten risk för bankerna (2009:7)

  36-50 år Ålder över 50 år Småhus Bostadsrätter Räntenivåer Under 2008 fluktuerade bankernas utlåningsräntor kraftigt.
• FI Analysis 19: Young adults and the housing market

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  Published 2019-12-17 - This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home.

• FI Analysis 19 - Young adults and the housing market

  1 000 1 500 2 000 2 500 3 000 3 500 4 000 4 500 No amortisation First amortisation requirement Stricter amortisation requirement LTI 4,5x
• The Swedish Mortgage Market (2017)

  • Bank
  • Consumer
  • Published
  • Reports
  • Mortgage

  Published 2017-04-06 - 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…

• Report: The Swedish Mortgage Market (2017)

  One such 0 20 10 30 40 60 50 0-25 25-50 50-70 70-85 above 85 Loan-to-value ratio, per cent 10.
• FI Analysis 16: How do covered bonds function?

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  Published 2019-03-22 - This FI Analysis describes how Swedish covered bonds function, how the regulation governing the cover pool is designed and how the cover pool is affected by a…

• FI-analys 16: How do covered bonds function?

  Covered bonds 22 % Unsecured securities 25 % Deposits from the public 25 % Other deposits 28 % 0 500 1 000 1 500 2 000 2 500 3 000 3 500 2013
• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements

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  • Stability
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  • Mortgage

  Published 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.

• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements

  ratio >70, home equity withdrawal Loan-to-value ratio >70, home purchase Loan-to-value ratio 50—70, home equity withdrawal Loan-to-value ratio 50—70,
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

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  • Cryptoassets

  Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates

  -30 31-40 41-50 51-60 61-70 71+ 0-18 18-30 31-40 41-50 51-60 61-70 71+ Women MenMean Median FINANSINSPEKTIONEN SWEDISH RETAIL TRADING IN CRYPTOCERTIFICATES