Din sökning på "rat" gav 219 träffar
-
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 - As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in previous years.
-
Report: The Swedish Mortgage Market 2024
Households that had variable mortgage rates saw interest rate levels more than triple.
-
Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2024-11-20 - Sweden continues to experience a mild economic downturn, but interest rate cuts are contributing to improved optimism about the future.
-
Stability in the Financial System (2024:2)
If the weighted interest rate is lower than the unweighted interest rate, firms with large volumes would have lower interest rates, and vice versa.
-
Swedish Consumer Credit
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Konsument
- Låna
Publicerad 2025-11-17 - Lending from major banks and niche banks decreased, primarily due to lower demand following higher interest rates. … Swedish Parliament decided, among other things, to remove the interest rate deduction for unsecured loans, lower the interest rate ceiling, and eliminate
-
The Bank Barometer: Swedish banks’ lending to the public continues to increase
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 2025-11-19 - Lending increases, and the percentage of non-performing loans decreases Lending to the public grew by 1.6 per cent at an annual rate during the first … half of 2025, a decrease compared to the second half of 2024 when the growth rate was 2.5 per cent at an annual rate.
-
The Bank Barometer November 2025
This is a decrease compared to the second half of 2024 when the growth rate was 2.5 per cent at an annual rate.
-
FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2024-12-11 - Our conclusion is that these conditions together led to the build-up of a number of vulnerabilities: poor profitability, high interest rate risks, unrealised … Swedish banks must hold capital to cover their interest rate and concentration risks, and the differences between the carrying amount and the market value
-
the interest rate risks they still choose to take.
-
The Bank Barometer: Net profit of Swedish banks continues to increase
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 2025-04-24 - Increase in lending as well as non-performing loans Lending to the public increased by 2.5 per cent at an annual rate during the second half of 2024, … an increase compared to the first half of 2024 when the growth rate was significantly lower.
-
This is an increase compared to the first half of 2024, when the growth rate was significantly lower.
-
Stability in the Financial System (2025:1): Uncertainty could persist for a while
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2025-05-16 - But many households continued to have small margins due to the inflation and interest rate developments of the past few years.
-
Stability in the Financial System (2025:1)
Interest rates in Europe continued to decrease after the tariffs announcement, while interest rates increased sharply in the USA.
-
Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
- Konsumentskydd
- Publicerat
- Rapporter
- Bedrägerier
- Spara
- Konsument
- Försäkra
- Betala
- Låna
Publicerad 2025-04-30 - One risk that has been highlighted is related to the link between the transfer of occupational pensions and offers of low mortgage rates.
-
Interest rate puts pressure on indebted households
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 2024-05-29 - Interest rate puts pressure on indebted households
-
The Swedish Mortgage Market Report
The interest-to-in- come ratio is the interest rate expense (interest rate payments after interest rate de- ductions) divided by income.
-
Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2024-05-27 - The Riksbank has lowered the main policy rate, and market actors are expecting more interest rate cuts in the coming year. … An uncertain world means continued high uncertainty There are clear expectations of interest rate cuts in the future, which is reflected in an increase
-
Stability in the Financial System
rates will be lower.
-
FI Analysis 45: High risks in small and mid-sized commercial real estate firms
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2024-05-27 - This makes them vulnerable to a scenario with high interest rates and lower earnings.
-
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
The stress test also shows that the combination of a low interest coverage rate and a high loan-to-value rate is more common among smaller firms.
-
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.
-
Stability in the Financial System (2025:2): Summarized stability assessment
the countercyclical capital buffer rate unchanged in the fourth quarter).
-
FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Konsument
- Låna
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…
-
rate on a loan.
-
Household savings in Sweden
- Konsumentskydd
- Publicerat
- Rapporter
- Spara
- Konsument
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,…
-
Report: Household savings in Sweden
Fixed-rate accounts have a fixed interest rate over a certain period of time, and early withdrawals can generate fees.
-
Legal Position: Rule interpretation for deposits via digital platforms
- Bank
- Publicerat
- Nyheter
- Rapporter
- Fintech
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…
-
Comprehensive overview is important when changing the conditions on the housing market
- Bank
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 2024-02-22 - This assessment holds even if interest rate deductions for unsecured loans are phased out.
-
Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
-
FI Analysis 52: Stress test of banks’ lending to non-financial firms
- Bank
- Stabilitet
- Publicerat
- Rapporter
- Redovisning
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…
-
FI Analysis 52: Stress test of banks’ lending to non-financial firms
We estimate the banks’ credit losses by first calculating how a change in GDP, inflation, the interest rate and asset prices affects the firms’ financial
-
Two expert reports on macroprudential policy measures
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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…
-
Jesper Rangvid: Effects of borrower-based measures
rate, reduces vulnerability.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
In such a situation, the property market calls for higher interest rates, while inflation calls for lower interest rates.
-
How FI reviews money laundering risks in the financial sector in 2025
- Bank
- Försäkring
- Marknad
- Penningtvätt
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2025-03-10 - There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority…
-
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
- Bank
- Marknad
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2023-11-28 - Rapidly rising interest rates greatly impact commercial real estate firms as they have high debt, are very sensitive to changes in the interest rate and … Though some firms have started to adjust their debt, the analysis shows that more is needed to cope with a scenario of interest rate costs rising to 5
-
FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
-
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 2023-11-28 - Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
-
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
-
AI increasingly common in the financial sector, but risk management is lagging behind
- Bank
- Försäkring
- Marknad
- Publicerat
- Nyheter
- Rapporter
- Fintech
- Betalningar
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…
-
Report: AI in the Swedish financial sector
The firms that have worked the most with AI applications to date are also those that to the greatest extent say they are planning to increase the rate
-
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2023-12-14 - As the Riksbank started raising the policy rate to combat inflation in 2022, we have simultaneously witnessed reduced credit growth and lower asset prices
-
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
It has led to a turning point in the cycle because we have gone from very low interest rates to higher interest rates.
-
Firms continue to offer consumers unsuitable products
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
- Låna
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…
-
Consumer Protection Report 2024
The interest rate can be up to 40 per cent plus the reference rate. Often, consumers with small margins in their finances take high-cost loans.
-
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…
-
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
For instance, individuals who trade a lot may be offered a lower brokerage rate.
-
FI prioritizes particularly vulnerable sectors to combat money laundering
- Penningtvätt
- Publicerat
- Rapportering
- Nyheter
- Rapporter
- Betalningar
- Kryptotillgångar
Publicerad 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
-
Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
-
Stability in the Financial System (2023:1)
- Bank
- Försäkring
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 2023-05-31 - Monetary policy has therefore been tightened further, and interest rates continued to rise. … High inflation and rising interest rates mean that the forecasts for global economic development continue to be weak.
-
Stability in the Financial System 2023:1
low interest rates.
-
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…
-
FI Analysis No. 42: Gender differences in investment behaviour
Rather, it is often necessary to take some risk to generate returns on capital.
-
Report: Banks’ administration of amortisation requirement exemptions
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2023-06-16 - The assignment originated against the backdrop of high inflation and higher interest rates, which are putting pressure on households' personal finances
-
Report: Banks’ administration of amortisation requirement exemptions
Borrowers with lower amortisation rates were underrepresented compared to the distribution in new lending.
-
The Swedish Mortgage Market 2023
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2023-03-28 - Mortgagors are under pressure from rising interest rates.
-
variable mortgage rates and the key interest rate as at today.
Mortgagor margins and amortisation exemptions in early 2023
rate) and amortisation payments.
Data appendix - The Swedish Mortgage Market
Average mortgage rate for homebuyers Average interest rate on unsecured loans raised at same time as the mortgage 2012 3.3 5.5 2013 2.7 5.3 2014
