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• Interest rate puts pressure on indebted households

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  Publicerad 2024-03-07 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report, which is being published…

• The Swedish Mortgage Market 2023 (English summary)

  The Swedish Mortgage Market 2023 (in Swedish)
• The Swedish Mortgage Market 2023

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  Publicerad 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…

• The Swedish Mortgage Market

  Mortgagor margins and amortisation exemptions in early 2023

  Data appendix - The Swedish Mortgage Market
• The Swedish Mortgage Market 2022

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  Publicerad 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
• Overall assessment of macroprudential measures

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  • Coronaviruset

  Publicerad 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…

• Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing

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  Publicerad 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…

• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
• FI Analysis No. 33: Household debt and resilience

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  Publicerad 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…

• FI Analysis No. 33: Household debt and resilience
• The Swedish Mortgage Market (2021)

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  Publicerad 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…

• The Swedish Mortgage Market 2021

  Data appendix (In Swedish)
• Sustainability Report 2021 – the climate in focus

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  Publicerad 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…

• Sustainability report 2021 – the climate in focus
• FI Analysis 28: Liquid assets of Swedish households

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  Publicerad 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. The…

• FI Analysis 28: Liquid assets of Swedish households
• FI Analysis 25: Interest rate deductions and households’ loans

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  Publicerad 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.

• FI Analysis 25: Interest rate deductions and households’ loans
• FI Supervision 18: Continuity management at banks

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  Publicerad 2020-06-09 - Many banks are working actively with continuity management and have implemented key measures to reduce the risk of serious disruptions. At the same time, FI…

• FI Supervision 18: Continuity management at banks
• The Swedish Mortgage Market (2020)

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  Publicerad 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
• FI Analysis 19: Young adults and the housing market

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  Publicerad 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
• Stability in the Financial System (2019:2)

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  Publicerad 2019-11-28 - The low interest rates are expected to remain low for a longer period of time. It could lead to greater risk-taking among various actors, and increased…

• Report: Stability in the Financial System (2019:2)
• Stability in the Financial System (2019:1)

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  Publicerad 2019-05-28 - Both the global and the Swedish economies appear to be slowing down. Low interest rates – which have resulted in high risk-taking and rising asset prices –…

• Report: Stability in the Financial System (2019-1)

  Appendix: Stability in the Financial System (2019-1)

  Report: The Commercial Real Estate Market and Financial Stability (Summary)

  Memo: Requirement on IRB models for exposures to commercial real estate
• The Swedish Mortgage Market (2019)

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  Publicerad 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…

• The Swedish Mortgage Market

  Data appendix: The Swedish Mortgage Market (2019)
• FI-analysis 17: Fewer Vulnerable Households after Stricter Amortisation Requirement

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  Publicerad 2019-03-27 - Under FI's stricter amortisation requirement, which went into effect on 1 March 2018, new mortgagors with debt in excess of 450 per cent of gross income must…

• FI Analysis No 17: Fewer vulnerable housholds after stricter amortisation requirement
• Stability in the Financial System (2018:2)

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  Publicerad 2018-11-27 - The economy continues to be strong, both in Sweden and globally, but it is now showing signs of a slow-down. Interest rates have been low for a long period of…

• Report: Stability in the Financial System
• Stability in the Financial System

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  Publicerad 2018-05-29 - The Swedish economy continues to be strong, and resilience in the financial system is satisfactory. However, a long period of low interest rates and strong…

• Report: Stability in the Financial System
• The Swedish Mortgage Market

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  Publicerad 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
• FI-analysis 12: The mortgage cap reduced household debt

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  Publicerad 2018-04-04 - This FI Analysis presents an assessment of the Swedish mortgage cap. The assessment shows that households limited by the mortgage cap borrowed less and purchased less expensive homes.

• FI-analysis 12: Mortgage cap slowed growth of household debt
• Stability in the Financial System

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  Publicerad 2017-05-31 - The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.

• Stability in the Financial System (2017:1)

  Data appendix: Stability in the Financial System (2017:1)
• FI Analysis 11: Consequences of a stricter amortisation requirement

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  Publicerad 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
• FI Analysis 10: Amortisation requirement reduced household debt

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  Publicerad 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
• FI-analysis 4: A model for household debt

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  Publicerad 2015-12-11 - This FI-analysis introduces a model for household debt in Sweden.

• FI analysis 4: A model for household debt
• The Swedish Mortgage Market 2015

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  Publicerad 2015-04-14 - Finansinspektionen monitors the mortgage market and household indebtedness closely, and the mortgage survey is an important part of that process. The survey…

• Report: The Swedish Mortgage Market 2015

  Data appendix: The Swedish Mortgage Market 2015
• Increased household lending - a risk analysis

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  Publicerad 2004-06-07 - Lending to households has risen at a high and fairly steady rate – about 10% per year – during the past few years. The main increase has been in mortgage…

• Report in Swedish: Hushållens ökade lån – en riskanalys (2004:6)