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												The Swedish Mortgage Market: Households need to have margins for an uncertain future- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 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… 
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												Interest rate puts pressure on indebted households- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new… 
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												FI-analys 46: Autocalls lönar sig dåligt för konsumenter- Consumer
- Published
- Reports
- Save
- Consumer
 Published 2024-11-18 - FI har i flera rapporter pekat på att många strukturerade produkter är olämpliga för de flesta konsumenter. I en ny analys har FI kartlagt konsumenters… 
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														FI Analys 46: Stora risker och lägre avkastning med strukturerade investeringsprodukter 
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												Swedish Consumer Credit- Consumer
- Published
- Reports
- Borrow
 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… 
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												Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market- Consumer
- Published
- Reports
- Frauds
- Save
- Consumer
- Insure
- Pay
- Borrow
 Published 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that… 
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												FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates- Consumer
- Published
- News
- Reports
- Fintech
- Payments
- 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… 
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														FI Analysis 44: Swedish Retail Trading in Cryptocertificates 
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												FI-analys 49: Ökad koncentration i handeln på obligationsmarknaderna- Markets
- Stability
- Published
- News
- Reports
 Published 2025-07-07 - Omsättningen och antalet aktörer på obligationsmarknaderna har minskat de senaste åren. Handeln med statsobligationer har blivit mer koncentrerad till ett… 
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														FI-analys nr 49: Ökad koncentration i handeln på obligationsmarknaderna 
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												FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority- Consumer
- Stability
- Published
- News
- Reports
- Consumer
- Borrow
 Published 2025-02-27 - Between the years 2020 and 2023, the number of borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per… 
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												Roadmap for sustainable finance- Bank
- Insurance
- Markets
- Stability
- Published
- About FI
- Reports
- Sustainability
 Published 2022-12-13 - In 2019, FI’s overarching mandate was expanded to include a responsibility to ensure that the financial system contributes to sustainable development. FI is… 
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												Household savings in Sweden- Consumer
- Published
- Reports
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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,… 
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												Two expert reports on macroprudential policy measures- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
 Published 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the… 
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												Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
 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… 
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												Fraud prevention in payment services- Bank
- Consumer
- Published
- News
- Reports
- Frauds
- Payments
- Consumer
- Pay
 Published 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in… 
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												AI increasingly common in the financial sector, but risk management is lagging behind- Bank
- Insurance
- Markets
- Published
- News
- Reports
- Fintech
- Payments
 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… 
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												The Swedish Mortgage Market 2023- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
 Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal… 
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												FI-analys nr 44: De flesta har förlorat pengar på att handla med kryptocertifikat- Consumer
- Published
- News
- Reports
- Fintech
- Payments
- Cryptoassets
 Published 2024-05-16 - Mer än hälften av de svenskar som handlat med kryptocertifikat under de senaste sex åren har förlorat pengar på sin investering. Detta trots att den… 
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												Svenska konsumtionslån- Consumer
- Published
- Reports
- Borrow
 Published 2022-12-20 - Svenska hushåll lånar i hög utsträckning till bostadsköp. Men lån finansierar även delar av deras konsumtion. Konsumtionslånen har vuxit snabbt de senaste… 
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												Firms continue to offer consumers unsuitable products- Consumer
- Published
- News
- Reports
- Cryptoassets
- Save
- Consumer
- Insure
- Pay
- Borrow
 Published 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks… 
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												Borrower-based measures following high inflation and rising interest rates- Bank
- Published
- Reports
- Mortgage
 Published 2022-11-11 - that unexpectedly high costs, for example as a result of high electricity bills, can fall under this type 
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														Report: Borrower-based measures following high inflation and rising interest rates 
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												Open finance in Sweden- Bank
- Insurance
- Markets
- Consumer
- Published
- News
- Reports
- Fintech
 Published 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how… 
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												Konsumentskyddsrapport 2025: Digitalisering och virala trender skapar risker för konsumenter på finansmarknaden- Consumer
- Published
- Reports
- Frauds
- Save
- Consumer
- Insure
- Pay
- Borrow
 Published 2025-04-23 - Oseriösa investeringsråd från AI eller finfluencers, och löften om snabba vinster från kryptohandel. Det är exempel på konsumentskyddsrisker som har vuxit… 
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												FI publicerar den första Bankbarometern för 2023- Bank
- Markets
- Stability
- Published
- Reports
 Published 2023-03-29 - FI presenterar i dag Bankbarometern, en rapport som ger en inblick i den svenska bankmarknaden. I rapporten presenterar vi siffror på bland annat utlåning,… 
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												Swedish Consumer Credit- Bank
- Consumer
- Published
- Reports
- Borrow
 Published 2020-10-01 - Even though consumer credit only constitutes a small portion of households’ total credit, the interest rate and amortisation payments for these credits amount… 
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												Is there a need for supplementary and gadget insurance?- Insurance
- Consumer
- Published
- Reports
 Published 2023-02-20 - Younger consumers have a greater need for this type of insurance, while older consumers often have little 
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														Report: Is there a need for add-on cover and gadget insurance? 
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												FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?- Bank
- Stability
- Published
- Reports
 Published 2022-04-28 - The aim of the floor was to increase the amount of capital banks hold for this specific type of exposure 
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														FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending? 
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												FI-analys nr 36: Har FI:s riskviktsgolv påverkat bankernas fastighetsutlåning?- Bank
- Stability
- Published
- Reports
 Published 2022-03-16 - I denna FI-analys studerar vi hur riskviktsgolvet påverkat bankernas utlåning till fastighetsföretagen med hjälp av detaljerad utlåningsdata. Syftet är att… 
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														FI-analys nr 36: Har FI:s riskviktsgolv påverkat bankernas fastighetsutlåning? 
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												FI Analysis 45: High risks in small and mid-sized commercial real estate firms- Bank
- Stability
- Published
- Reports
 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… 
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														FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms 
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												FI-analys 45: Stora risker i små och medelstora fastighetsföretag- Bank
- Stability
- Published
- Reports
 Published 2024-05-22 - Många mindre, onoterade fastighetsföretag har en hög belåningsgrad och låg räntetäckningsgrad. Det gör dem sårbara i ett läge med höga räntor och lägre… 
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														FI-analys 45: Stora risker i små och medelstora fastighetsföretag 
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												Låntagarbaserade åtgärder vid hög inflation och stigande räntor- Bank
- Published
- Reports
- Mortgage
 Published 2022-10-14 - Att ändra eller pausa amorteringskraven är inte en träffsäker eller ändamålsenlig åtgärd för att hjälpa de hushåll som är i mest behov av ekonomiskt stöd för… 
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														Låntagarbaserade åtgärder vid hög inflation och stigande räntor 
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												FI publicerar årets första bankbarometer- Bank
- Published
- News
- Reports
 Published 2024-04-17 - De svenska bankernas lönsamhet var fortsatt hög under det andra halvåret 2023, även om den avtog något under det fjärde kvartalet 2023. Bankernas utlåning…