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The Swedish Mortgage Market: Households need to have margins for an uncertain future
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
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
to in 2022.
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Stability in the Financial System (2025:2)
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 2025-11-26 - The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.
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Interest rate puts pressure on indebted households
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 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 Report
This is a clear increase compared to the years up to 2021 and even a continued increase compared to 2022.
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FI would like the financial market to shift its sustainability work into the next gear
- Stabilitet
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…
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Sustainability – how has the financial sector progressed?
operations they choose to invest in, insure and lend money to.
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- 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 disposition to sell winners too early and ride losers too long. Journal of Finance 40(3), 777–790.
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Marknad
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
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
to lead to worse returns.
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FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
- Hållbarhet
- Fördjupad analys
Publicerad 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…
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FI Supervision 29: Sustainable advice is a challenge for firms
to the SFDR.
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Funds with sustainable investment as its objective
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2022-10-12 - It is also one of FI's top priorities in 2022 to review greenwashing in the financial sector and take steps to prevent it.
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Funds with sustainable investment as its objective
to be attained.
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The Swedish Mortgage Market 2023
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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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Roadmap for sustainable finance
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 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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Roadmap for sustainable finance
FI views this to be a top priority to strengthen this information chain.
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FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2022-04-28 - In this FI Analysis, we study how the risk weight floor has impacted the banks’ lending to CRE firms using detailed lending data. The aim is to analyse…
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FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
to CRE firms is to study lending to tenant-owner associations.
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FI Analysis No. 33: Household debt and resilience
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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…
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FI Analysis No. 33: Household debt and resilience
to zero.
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Stability in the Financial System (2021:1)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 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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The Swedish Mortgage Market (2021)
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
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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Consumer Protection Report 2021
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
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FI Analysis 24: Stress test of bank lending to commercial real estate firms
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2020-11-11 - This FI Analysis describes the stress test FI used to analyse how the commercial real estate firms' financial position, and the banks' related credit risks, can be affected by a negative macroeconomic development.
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FI Analysis 24: Stress test of bank lending to commercial real estate firms
are usually granted to the higher loan-to-value ratios.
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Stability in the Financial System (2020:2)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 2020-11-25 - The pandemic has triggered a deep economic recession in many countries, even if a slight recovery has begun. Extensive support measures have mitigated the…
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Stability in the Financial System
FI Analysis 26: Macro-based credit loss model for major Swedish banks
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FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
- Bank
- Stabilitet
- Publicerat
- Rapporter
- Bolån
Publicerad 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.
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FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
to the previous year.
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FI Analysis 19: Young adults and the housing market
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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
Note: Refers to new mortgages to buy a new home. LTV refers to loan-to-value, and LTI refers to loan-to-income.
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Swedish loans for consumption
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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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Consequences of Brexit for the Swedish financial market
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Brexit
Publicerad 2018-06-21 - Brexit will become a reality when the UK leaves the EU on 29 March 2019. This will change conditions for cross-border trade in financial services to and from…
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Report: Consequences of Brexit for the Swedish Financial Market
they will apply for authorisation within the EU to be able to continue to conduct business.
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FI-analysis 12: The mortgage cap reduced household debt
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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
The slow-down in lending to young households can also be due to other factors.
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The Swedish Mortgage Market
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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…
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use co-signers to a greater extent than before to be able to buy their home.
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Priorities in FI’s supervision to strengthen consumer protection
- Konsumentskydd
- Publicerat
- Rapporter
- Finanskunskap
Publicerad 2018-03-27 - Finansinspektionen (FI) presents in this report the risks consumers are facing on the financial market and that FI is prioritising in its supervision. One…
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Report: Priorities in FI’s supervision to strengthen consumer protection
to meet.
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FI establishes an innovation centre
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Fintech
Publicerad 2017-12-01 - FI is establishing a fintech innovation centre that will provide information to and maintain a dialogue with companies conducting innovation-based business.…
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Report: FI's role regarding innovation
example to fulfil the obligation to review payment transac- tions to counteract money laundering, to report to authorities or take measures to manage
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Swedish banking requirements for financial stability should be safeguarded
- Bank
- Kapitaltäckning
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2017-05-05 - The design of the Swedish regulations for capital adequacy and crisis management is appropriate for reducing the risk of financial crises and ensuring…
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Report: Interaction between the regulations on capital adequacy and crisis management
to individual firms in order to remove substantial obstacles to resolution.
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FI Analysis 10: Amortisation requirement reduced household debt
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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
One way to do this is to compare the behaviour of the group that is not subject to the requirement (the control group) to the behaviour of groups that
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FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
- Bank
- Stabilitet
- Publicerat
- Rapporter
- Bolån
Publicerad 2017-03-13 - SUMMARY: In Sweden, both the percentage of mortgages that have a variable interest rate and household debts have risen sharply. This combination has made…
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FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
If interest rates rise slowly and a household needs to settle its loan within five years, for example to switch to a new bank or move to a new home,
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Supervision of the Swedish Securities Market (2017)
- Marknad
- Publicerat
- Rapporter
Publicerad 2017-03-10 - In 2016, FI's analysis of trends and risks on the securities market focused on the subareas fixed income market, derivatives market and equity market.
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Report: Supervision of the Swedish Securities Market (2017)
These entities will need to apply to become registered administra- tors.
