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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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FI:s analys av statliga kreditgarantier till elproducenter
- Markets
- Stability
- Published
- Reports
Published 2023-05-04 - Att svenska staten i höstas garanterade elproducenter knutna till elderivatmarknaden att kunna låna sammanlagt på 250 miljarder kronor var en berättigad…
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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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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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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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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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FI-analys 15: Gynnas bankerna fortfarande av en förväntan om en implicit statlig garanti?
- Bank
- Capital requirements
- Stability
- Published
- Reports
Published 2019-01-22 - En ny rapport från Finansinspektionen och Riksgälden visar att värdet av en implicit statlig garanti för de svenska storbankerna har minskat sedan…
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FI-analys 15: Värdet av en implicit statlig garanti för storbanker
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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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Borrower-based measures following high inflation and rising interest rates
- Bank
- Published
- Reports
- Mortgage
Published 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
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Report: Borrower-based measures following high inflation and rising interest rates
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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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FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
- Bank
- Markets
- Stability
- Published
- Reports
Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
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FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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FI föreslår stärkt förebyggande arbete i kampen mot investeringsbedrägerier
- Consumer
- Published
- Reports
- Frauds
Published 2024-10-31 - Allt fler konsumenter utsätts för investeringsbedrägerier. I en rapport till regeringen föreslår FI bland annat ett stärkt förebyggande arbete för att…
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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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Två expertrapporter om makrotillsynsåtgärder
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2024-09-25 - Amorteringskrav, skuldkvoter och tak för belåningsgrad är verktyg för makrotillsyn i Sverige och många andra länder. Men vilka är de potentiella effekterna av…
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Stability in the Financial System (2022:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2022-11-29 - High inflation has led to rapidly rising interest rates. Given the current rapid change in conditions, both participants on the financial markets and…
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Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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Konsumentskyddsrapport 2024: Företag fortsätter att erbjuda konsumenter olämpliga produkter
- Consumer
- Published
- News
- Reports
- Cryptoassets
- Save
- Consumer
- Insure
- Pay
- Borrow
Published 2024-05-08 - Dyra och komplexa produkter är olämpliga för de flesta konsumenter. Trots detta förekommer att företag säljer sådana produkter brett. Detta är en av riskerna för konsumenter som FI lyfter i årets konsumentskyddsrapport.
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FI Analysis 25: Interest rate deductions and households’ loans
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2020-11-17 - In this FI Analysis, we calculate the impact of a change to the interest deduction. The reason for this analysis is the direct link between interest deductions and households’ loans.
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FI Analysis 25: Interest rate deductions and households’ loans
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Markets
- Consumer
- Published
- News
- Reports
Published 2024-03-18 - The study confirms previous results showing that women are underrepresented in the stock market. The differences arise as early as three years of age, which…
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FI Analysis No. 42: Gender differences in investment behaviour
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Consumer Protection Report 2022
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
Published 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…
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Viktigt med en helhetssyn vid förändring av villkoren på bostadsmarknaden
- Bank
- Consumer
- Published
- News
- Reports
- Mortgage
- Borrow
Published 2024-02-22 - FI har fått i uppdrag av regeringen att ta ställning till en höjning av bolånetaket från 85 procent till 90 procent. Samtidigt föreslår regeringen att…
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Rapport: FI:s syn på en höjning av bolånetaket från 85 till 90 procent
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FI uppmuntrar företagen till tydlig information till efterlevande
- Insurance
- Consumer
- Published
- Reports
Published 2024-08-23 - När en anhörig avlider kan det vara svårt för efterlevande att veta om de har rätt till ett så kallat efterlevandeskydd eller inte. Det är därför viktigt att…
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Konsekvenser av brexit för den svenska finansmarknaden
- Bank
- Insurance
- Markets
- Published
- Reports
- Brexit
Published 2018-06-21 - När brexit blir ett faktum och Storbritannien lämnar EU den 29 mars 2019 ändras förutsättningarna för gränsöverskridande handel med finansiella tjänster till…
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Rapport: Konsekvenser av brexit för den svenska finansmarknaden
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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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FI Analysis 15: Do banks still benefit from an expectation of an implicit state guarantee?
- Bank
- Capital requirements
- Stability
- Published
- Reports
Published 2019-01-22 - A new report from Finansinspektionen and the Swedish National Debt Office shows that the value of an implicit state guarantee for the major Swedish banks has…
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FI Analysis 15: The value of an implicit state guarantee for systemic banks
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Stability in the Financial System (2021:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…
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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Consumer
- Published
- Reports
- Frauds
Published 2024-11-07 - An increasing number of consumers are falling victim to investment fraud. In a report to the Government, FI proposes, among other things, enhanced work to…
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FI Analysis 23: Can the bond market dampen the credit cycle?
- Bank
- Markets
- Stability
- Published
- Reports
Published 2020-10-14 - The access of non-financial firms to credit is central for financial stability, particularly during financial crises. In recent years, the market for…
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FI Analysis 23: Can the bond market dampen the credit cycle?
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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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The Swedish Mortgage Market (2021)
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…
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The Swedish Mortgage Market (2019)
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2019-03-27 - High debt can mean risks for individual households, banks, financial stability and macroeconomic development. The mortgage survey serves as an important basis…