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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)
• Our supervision priorities for 2024

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  Publicerad 2024-02-08 - Are consumers being offered the right services on the financial market? How is the sector delivering crucial services in an uncertain global environment? How…

• Supervision priorities for 2024
• 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
• Rising interest costs putting pressure on mortgagors

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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 2023
• FI appoints auditor after IT incident at Swedbank

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  Publicerad 2022-05-17 - Finansinspektionen (FI) is appointing an auditor to map the IT incident that occured at Swedbank AB during the night between 28 and 29 April and resulted in…
• Increased cyber security in the finance sector is needed

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  Publicerad 2022-05-16 - The financial sector must quickly become better at preventing and handling cyber threats. Customers and society at large must be able to trust that the…
• Many households are sensitive to higher interest rates

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  Publicerad 2022-04-20 - New mortgagors took out loans that were 12 per cent larger last year than in 2020. The average loan-to-value ratio for new mortgagors rose from 307 to 327 per…

• The Swedish Mortgage Market 2022 (summary)
• 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…
• Erik Thedéen: Crypto-assets today and in the future

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  Publicerad 2021-12-17 - ” Ultimately, this is about energy efficiency. Energy is a scarce resource, and as a society, we have invested heavily in energy-efficiency improvements…

• Speech: Crypto-assets today and in the future
• Mortgages must be amortised again

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  Publicerad 2021-08-23 - The rules on amortisation go into effect as normal again after 31 August. The temporary exemption that Finansinspektionen (FI) introduced due to the…
• 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)
• Macroprudential measures subdue household loans

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  Publicerad 2021-06-30 - The mortgage cap and amortisation requirements have had intended effect and subdued household debt. They are slowing a scenario where new mortgagors borrow…

• Overall assessment of macroprudential measures

  FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
• 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
• Erik Thedéen: Crypto-assets – risks and opportunities

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  Publicerad 2021-06-16 - “The technology behind crypto-assets has the potential to create value for society, but crypto-assets like Bitcoin also pose significant risks,” said Erik…

• Erik Thedéen: Crypto-assets – risks and opportunities

  Presentation: FI’s view on crypto-assets
• 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
• New borrowers are taking larger mortgages

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  Publicerad 2021-03-24 - New borrowers are continuing to take larger mortgages in relation to their income and the value of their home, according to this year’s Swedish Mortgage…

• Report (Summary): The Swedish Mortgage Market
• 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’s prioritised areas for 2021

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  Publicerad 2021-02-05 - Are the banks conducting thorough credit assessments when customers apply for consumer credit? Are smaller banks and payment service firms taking sufficient…

• Memorandum: Finansinspektionen’s prioritised areas for 2021
• Finansinspektionen’s prioritised areas for 2021

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  • Coronaviruset

  Publicerad 2021-02-05 - Consumer protection, money laundering and risks that the coronavirus pandemic may pose in the future are three areas that FI will look more closely at in 2021.

• Memorandum: Finansinspektionen’s (FI) prioritised areas for 2021
• Terrorist financing

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  Publicerad 2021-01-22 - Activities that constitute “terrorist financing” are described in the Money Laundering and Terrorist Financing (Prevention) Act (the Anti-Money Laundering…

• Publikationer om finansiering av terrorism
• 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
• Banks may grant all mortgagors amortisation exemption

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  Publicerad 2020-04-02 - Banks will have the possibility of offering all new and existing mortgagors an exemption from the amortisation requirements due to the spread of the…

• Report: The Swedish Mortgage Market (2020)
• 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
• Erik Thedéen: FinTech and cyber threats – what impact do they have on financial stability?

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  Publicerad 2020-03-03 - The rate at which household debt is increasing has slowed the past three years. The two amortisation requirements that FI introduced contributed to this…
• Increased transparency on carbon pricing can strengthen the financial system

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  Publicerad 2020-01-13 - FI will explore the possibility of advocating both nationally and internationally increased disclosure of firms’ internal carbon pricing.

• Memorandum: Internal price on carbon – a short summary
• 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)