Din sökning på "260" gav 39 träffar
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
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Publicerad 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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Report: The Swedish Mortgage Market 2024
Refers to home purchases, equity withdrawals and bank switches. 9 8 7 6 5 5 7 7 22 21 20 19 16 17 20 21 25 28 27 26 25 26 29 29 22 25 26 27 27
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
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Publicerad 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…
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
FINANSINSPEKTIONEN STRESS TEST OF BANK LENDING TO NON-FINANCIAL FIRMS 26 scenario.
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Two expert reports on macroprudential policy measures
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Publicerad 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. 44: Most People Have Lost Money Trading Cryptocertificates
- Konsumentskydd
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- Fintech
- Betalningar
- Kryptotillgångar
Publicerad 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
The Quarterly Journal of Economics, 116(1), 261-292. Barber, B., & Odean, T. (2008).
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FI Analysis No. 42: Gender differences in investment behaviour
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Publicerad 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
The Quarterly Journal of Economics, 116(1), 261–292. • Euroclear (2022). Aktieägandet i Sverige 2022.
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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…
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Swedish Consumer Credit
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Publicerad 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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Men take larger loans than women (see Diagram 26).
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
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Publicerad 2021-12-07 - There are different types of lenders. They offer different types of loans, and their risk tolerance varies. The risk tolerance is evident in their business…
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83,051 135,65 9 66.9 CCI 2,152 383 267 821 1.1 Source: FI Note: These figures relate to lending over a ten-day period in September/October
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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…
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Cyber threats and financial stability – FI’s roll and assignments
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Publicerad 2021-03-04 - In recent years, a number of legislative proposals and other initiatives have been presented to strengthen the financial sector’s resilience to cyberattacks.…
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Cyber threats and financial stability – FI’s role and assignments
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FI Analysis 29: Why do some borrowers experience payment problems?
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Publicerad 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…
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FI Analysis 29: Why do some borrowers experience payment problems?
The probability decreases by between 26 and 46 per cent when the borrower’s age increases by one standard deviation – 14 years (see Table 5).
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FI Analysis 27: Non-financial firms and financial stability: a description of vulnerabilities
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Publicerad 2021-01-19 - This FI Analysis describes how vulnerabilities from lending to non-financial firms arise and why FI needs to follow them to fulfil its assignment to safeguard…
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FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities
The Cost of Capital, Corporation Finance and the Theory of Investment, American Economic Review 48(3): 261–297. Myers, SC (1977).
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Swedish Consumer Credit
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Publicerad 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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FI Analysis 23: Can the bond market dampen the credit cycle?
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Publicerad 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?
Brookings papers on economic activity, 261–312. Hale, G., & Santos, J.A.C. (2008). Do banks price their informational monopoly?
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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.
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FI Analysis 19 - Young adults and the housing market
Diagram 26. Share of purchases that required adaptation, all of Sweden Per cent Source: FI’s mortgage surveys for 2012 and 2015.
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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 –…
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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
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FI Supervision 12: Insurance Undertakings’ Own Risk and Solvency Assessments
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Publicerad 2019-05-08 - Finansinspektionen (FI) has conducted a survey of how insurance undertakings are performing their own risk and solvency assessments. FI is of the opinion that…
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fi-tillsyn-12-forsakringsftg-risk-solvensbed-orsa-ENG.pdf
The assessment 26 Which time period is to be used?
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Swedish loans for consumption
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Publicerad 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…
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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…
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FI Supervision 8: Governance and control of information and communication technology operations in insurance undertakings
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Publicerad 2018-11-15 - In general, the insurance undertakings employ adequate governance and control practices in their ICT operations. But FI has also observed that some…
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and 269(1)(e) of the EU regulation and Guideline 21 in the Guidelines. 34 Guideline 21(c) in the Guidelines.
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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…
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Report: Stability in the Financial System
STRONG ECONOMIC GROWTH (Annual GDP growth, per cent) Sweden USAEuro zone 2002 2006 2010 2014 2018 160 140 180 120 100 200 260 260 260 280
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FI-analysis 13: Low for long and large annuity payments
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Publicerad 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
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FI-analysis 13: Low for long and large annuity payments
the difference between the increase in the value of the government bonds (230 – 200 = 30) and the increase in the value of the liabilities (200 – 263
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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.
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FI-analysis 12: Mortgage cap slowed growth of household debt
Source: IMF 2014 “Selected issues paper: Sweden”, IMF Country Report No. 14/262.
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Stability in the Financial System (2017:2)
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Publicerad 2017-11-29 - The Swedish economy continues to be strong and interest rates are extremely low, which contributes to high asset prices and low risk premiums. As global…
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Report: Stability in the Financial System
S ou rc e: F I. 26.
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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…
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FI Analysis 10: Amortisation requirement reduced household debt
Source: Finansinspektionen. 260 300 340 380 420 260 300 340 380 420 2012 2013 2014 2015 2016 Mortgages only Total debt 200 300 400
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The Swedish Mortgage Market (2017)
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Publicerad 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…
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Report: The Swedish Mortgage Market (2017)
The sample includes all new mortgage agreements entered into during the periods 26 August–2 September 2016 and 28 September–5 October 2016.
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How can the financial sector contribute to sustainable development?
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Publicerad 2016-11-08 - Finansinspektionen is publishing today two reports on sustainability. Together, they serve as the report to the Government that FI was tasked with earlier in…
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Report: How can the financial sector contribute to sustainable development?
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Stability in the Financial System
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Publicerad 2016-12-01 - The Swedish economy is strong, but the consequences for financial stability from the combination of rising resource utilisation and very low interest rates…
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Report: Stability in the Financial System (2016:2)
Sweden S ou rc es : E C B a nd F I. 26.
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A necessary step for a better savings market
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Publicerad 2016-07-14 - FI believes that independent financial advice would play an important role on the savings market, since consumers are at an information disadvantage in…
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Report: A necessary step for a better savings market
It is already hard for a consumer to determine whether an advisor is inde- pendent or not.26 If non-independent advisors are able to continue to offer
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Climate changes and financial stability
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- Hållbarhet
Publicerad 2016-03-08 - Sweden and Swedish financial institutions have small exposures to climate risks. This means that the current risk that climate changes will cause problems for…
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Climate change and financial stability (Report in English)
The effects of climate change on financial stability, with particular reference to Sweden
