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…
The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
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…
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…
Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…
Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…
Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…
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…
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…
One of Finansinspektionen’s (FI) assignments is to promote a high level of protection for consumers on the financial markets. FI does this in part by…
Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…
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…
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…
Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
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…
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.
Even though consumer credit only constitutes a small portion of households’ total credit, the interest rate and amortisation payments for these credits amount…
After the provisions regarding high-cost short-term credits were changed in 2018 – in part by introducing an interest rate ceiling and cost ceiling – these…
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…
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…
Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
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.
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…
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…
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 –…
In this report, Finansinspektionen (FI) presents the most prioritised consumer risks it has identified for 2019. FI also presents the experiences from its…
High debt can mean risks for individual households, banks, financial stability and macroeconomic development. The mortgage survey serves as an important basis…
Under FI's stricter amortisation requirement, which went into effect on 1 March 2018, new mortgagors with debt in excess of 450 per cent of gross income must…