Din sökning på "26" gav 169 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 sample in this year's report includes all new mortgage agreements for which the mortgage was paid out during the periods 26 August–2 September 2024
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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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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
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Publicerad 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that…
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FI Analysis 51: A model for households’ housing choices
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Publicerad 2025-11-27 - Households that experience greater buying power tend to choose homes of a higher standard over amortisation payments or savings. This is evident in a new…
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FI Analysis 51: A model for households’ housing choices
26 November 2025, FI Ref. 25-16660 * The authors would like to extend special thanks to Malin Alpen, Susanne Andersson, Agneta Blomquist, Alberto Crosta
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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
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Publicerad 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 number of borrowers experiencing payment problems increased by 26 per cent – from 130,000 in 2020 to 160,000 in 2023.
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Legal Position: Rule interpretation for deposits via digital platforms
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Publicerad 2025-03-24 - An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the…
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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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Household savings in Sweden
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Publicerad 2025-03-24 - Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets,…
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Report: Household savings in Sweden
The share of lump-sum amortisation was larger in 2023 than in previous years.26 14.
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Stability in the Financial System (2025:2)
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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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Stability in the Financial System (2025:2)
1/21/16 59.9225111111 57.797452381 1.1381190476 1/22/16 60.1184166667 57.9155142857 1.1342444444 1/25/16 60.4186862745 58.4514194444 1.1309375 1/26
REPORT Stability in the Financial System 26 November 2025 FINANSINSPEKTIONEN Stability in the Financial System Contents 2 FI Ref
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AI increasingly common in the financial sector, but risk management is lagging behind
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Publicerad 2024-12-06 - The new generative AI technology has spread rapidly and extensively throughout the Swedish financial sector. At the same time, the work to manage the risks…
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Report: AI in the Swedish financial sector
Among the firms that are not yet using AI (Category C), the corresponding figures are between 14 and 26 per cent.
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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Publicerad 2025-05-16 - The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time,…
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Stability in the Financial System (2025:1)
-40 -20 0 20 40 60 80 100 2020 2021 2022 2023 2024 2025 Sweden North America Europe 26 FI has warned in previous stability reports that
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
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Publicerad 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…
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Stability in the Financial System (2024:2)
Available in Swedish. 26 See “Samlad utvärdering av makrotillsynsåtgärder”, FI Ref. 21-17295.
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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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Jesper Rangvid: Effects of borrower-based measures
Journal of International Economics 118, 263-282. Svensson, Lars E.O. (2020).
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
models Examples Dynamic Stochastic General Equilibrium Models (DSGE) Representative agent framework or Heterogeneous groups of agents (39), (40), (26
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Interest rate puts pressure on indebted households
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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
For home buyers this share was 18 per cent, and for all new mortgagors it was 24 per cent. 6 6 5 5 5 5 5 19 18 17 16 18 18 18 27 25 25 25 27 26 26
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Fraud prevention in payment services
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Publicerad 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in…
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Report: Fraud prevention in payment services (In Swedish)
FINANSINSPEKTIONEN Motverkande av bedrägerier i betaltjänster Bilaga 26 Metod för insamling av icke återställda konton Som en del i den fördjupade
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Firms continue to offer consumers unsuitable products
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- Kryptotillgångar
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Publicerad 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…
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Consumer Protection Report 2024
intermediaries.24 • Investigation into investment firms’ investment advice.25 • In-depth analysis of internal governance and control of marketing.26
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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
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Publicerad 2024-05-27 - The outlook for financial stability has improved somewhat, and uncertainty has decreased, but we are still in the middle of a recession. Higher costs for both…
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Stability in the Financial System
Financial corporations are increasingly outsourcing critical operations to third-party suppliers.26 This provides the firm with access to specialists
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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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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
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- 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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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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Publicerad 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…
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Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
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Consumer Protection Report 2023
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Publicerad 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
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Consumer Protection Report 2023
We are going to look at this more closely and evaluate the measures we have already taken. 26
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Report: Banks’ administration of amortisation requirement exemptions
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Publicerad 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
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Report: Banks’ administration of amortisation requirement exemptions
See FI (2023a) for a more detailed description. 26 The debt service ratio measures interest and amortisation payments as a percentage of disposable
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Stability in the Financial System (2023:1)
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Publicerad 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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Stability in the Financial System 2023:1
improved, but structural vulnerabilities remain ....................................................................................................... 26
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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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FI Analysis 38: Loans and payment problems among women and men
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Publicerad 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be…
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FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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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 No. 39: Are the capital buffers fulfilling their purpose?
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Publicerad 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
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kvalificerade skulder (MREL) – MREL-policy [The minimum requirement for own funds and eligible liabilities (MREL) – MREL policy], Reg. no RG 2021/26
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Stability in the Financial System (2022:2)
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Publicerad 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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Borrower-based measures following high inflation and rising interest rates
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Publicerad 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
FINANSINSPEKTIONEN Borrower-based measures following high inflation and rising interest rates 26 12.
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Stability in the Financial System (2022:1)
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Publicerad 2022-05-31 - Interest rates and interest rate expectations have increased in 2022 due to high and rising inflation. One sector that is vulnerable to rising interest rates…
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Stability in the Financial System
Market rates are rising, but from very low levels ........................................ 26 Risk-taking in investments has continued to increase .
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Consumer Protection Report 2022
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Publicerad 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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Consumer Protection Report 2021
............................................ 25 Consumer information and financial education ....................................................... 26
