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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…

• The Swedish Mortgage Market

  Mortgagor margins and amortisation exemptions in early 2023

  Data appendix - The Swedish Mortgage Market
• Children can understand money’s value even without cash

  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Finanskunskap

  Publicerad 2021-10-06 - Cash is not necessary for children to understand the value of money. This is the outcome of a study by KTH Royal Institute of Technology that was commissioned…

• Report: Barns förståelse av begreppet ”pengar” (In Swedish)

  räknefärdighet sparar mindre, planerar mindre för pensionen, betalar högre avgifter för olika finansiella tjänster och oftare har problem med bolån och amorteringar
• 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…

• The Swedish Mortgage Market 2021

  Data appendix (In Swedish)
• Households’ finances and financial literacy 2020

  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Finanskunskap

  Publicerad 2020-12-21 - Single-adult households with children continue to have a more difficult financial situation than other households. FI has measured households’ financial…

• Report: Households' Finances 2020 (in Swedish)

  Memorandum: Households' finances and financial literacy

  Underlying data (in Swedish)
• Swedish Consumer Credit

  • Bank
  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Låna

  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…

• Report: Swedish Consumer Credit

  Diagrammet visar månadsbetalningen (ränta + amortering) för första månadsfakturan år 1 till år 9 vid rak amortering och annuitet.

  Data appendix

  means that the monthly amount is the same throughout the entire life of the loan. 1400 1600 1800 2000 2200 2400 1 2 3 4 5 6 7 8 9 Rak amortering
• 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.

• FI Analysis 19 - Young adults and the housing market

  Finansinspektionen (2016), Föreskrifter om krav på amortering av bolån, Decision Memorandum, FI Ref. 14-16628. In Swedish.
• The Swedish Mortgage Market (2019)

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter
  • Bolån

  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…

• The Swedish Mortgage Market

  Data appendix: The Swedish Mortgage Market (2019)
• FI-analysis 17: Fewer Vulnerable Households after Stricter Amortisation Requirement

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter
  • Bolån

  Publicerad 2019-03-27 - 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…

• FI Analysis No 17: Fewer vulnerable housholds after stricter amortisation requirement

  Finansinspektionen (2016), “Föreskrifter om krav på amortering av bolån”, Decision Memorandum, FI Ref. 14–16628. In Swedish only.
• Proposal for a stricter amortisation requirement for households with high loan-to-income ratios

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Nyheter
  • Bolån

  Publicerad 2017-11-13 - FI is proposing changes to Finansinspektionen’s regulations (FFFS 2016:16) regarding amortisation of loans collateralised by residential property. The…

• Reasoning behind Finansinspektionen’s position

  Decision memorandum: A stricter amortisation requirement for households with high loan-to-income ratios

  Proposal for new regulations (In Swedish)
• FI’s view on financial stability and the risks for financial imbalances

  • Bank
  • Försäkring
  • Basel
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Tal och debatt
  • EBA
  • Bolån

  Publicerad 2017-06-13 - Erik Thedéen visited the Committee on Finance today for a Q&A session. He discussed the unprecedented economic conditions that Sweden is currently…

• Erik Thedéen's speech: Finansinspektionen’s view on financial stability and the risks for financial imbalances

  Erik Thedéen's slides for his presentation (In Swedish)
• 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…

• FI Analysis 10: Amortisation requirement reduced household debt

  Finansinspektionen (2016), Föreskrifter om krav på amortering av bolån. Decision Memorandum, FI Ref. 14-16628. Available only in Swedish.
• Measures to counteract household indebtedness – amortisation requirement

  • Stabilitet
  • Publicerat
  • Särskilda PM & beslut
  • Bolån

  Publicerad 2014-11-11 - FI makes the assessment that an amortisation requirement that is applied in a flexible manner will strengthen in the long run household resilience to shocks.…

• Memo: Measures to counteract household indebtedness – amortisation requirement (in Swedish)

  Amorteringstakt mäts som amorteringarna i förhållande till lånevolym per år, det vill säga (årlig amortering)/(totala bostadslån).
• Amortisation by mortgage holders increased since the introduction of individual amortisation plans

  • Stabilitet
  • Publicerat
  • Särskilda PM & beslut
  • Bolån

  Publicerad 2014-11-11 - New mortgage holders are more likely to amortise after the banks introduced individually tailored amortisation plans as of 1 July 2014. The ongoing debate in…

• Memo: Amortisation by mortgage holders increased since the introduction of individual amortisation plans (in Swedish)

  bidragit till högre amorteringar.
• Stability risks associated with household indebtedness

  • Stabilitet
  • Publicerat
  • Särskilda PM & beslut
  • Bolån

  Publicerad 2014-11-11 - FI makes the assessment that the risks associated with household debt have not yet reached alarming levels. However, there are also macroeconomic risks…

• Memo: Stability risks associated with household indebtedness (in Swedish)

  Så det är främst bostadsköpare med belåningsgrader under 75 procent som väljer att vänta med amorteringarna.
• Finansinspektionen’s view on the amortisation requirement

  • Stabilitet
  • Publicerat
  • Särskilda PM & beslut
  • Bolån

  Publicerad 2014-11-11 - Household debt does not represent a risk to financial stability, but it does increase the macroeconomic risks. If designed to be flexible, an amortisation…

• Memo: Finansinspektionen’s view on the amortisation requirement (in Swedish)

  Detta beror på att hushållens totala utgifter för att betala sina skulder, dvs. ränta plus amortering, ökar när hushållen tvingas amortera mera.
• Individually tailored amortisation plan

  • Publicerat
  • Rapporter

  Publicerad 2013-10-14 - Individually tailored amortisation plan

• Report in Swedish: Individuellt anpassad amorteringsplan

  , något som inte en amortering gör.
• Improved transparency around mortgage rates (Summary)

  • Publicerat
  • Rapporter

  Publicerad 2013-09-17 - Improved transparency around mortgage rates (Summary)

• Report in Swedish: Ökad öppenhet om bolåneräntan

  Vad som kan hända om konsumenten inte kan fullgöra sina åta- ganden gentemot banken, det vill säga inte kan betala räntor och amortering.
• Bank interest rates and lending, Q2 2013 (Summary)

  • Publicerat
  • Rapporter

  Publicerad 2013-09-17 - Bank interest rates and lending, Q2 2013 (Summary)

• Report in Swedish: Bankernas räntor och utlåning, kv 2:2013

  Räntebindningstid och amortering I diskussionen mellan banken och kunden ingår även valet av räntebind- ningstid för utlåningen.
• Bank interest rates and lending, Q4 2012 (summary)

  • Bank
  • Publicerat
  • Rapporter

  Publicerad 2012-12-31 - Both the banks' funding cost and lending rates to households and corporations fell sharply during the fourth quarter of 2012 while the banks' margins on new…

• Reports in Swedish: Bankernas räntor och utlåning, kv 4:2012

  Vidare bör bankerna räkna med att vissa bolånetagare inte fullt ut kan betala ränta och amortering på sina bolån.
• The banks’ lending for commercial real estate in Sweden

  • Bank
  • Publicerat
  • Rapporter

  Publicerad 2009-05-25 - Based on input reported statistical material, we find that the current financial crisis has yet to make any obvious impression in the form of insolvency and…

• Report in Swedish: Fastighetsutlåning orubbad av finanskrisen (2009:9)

  Krav på amortering är mer undantag än regel för storbankerna.
• Development on the mortgage market

  • Bank
  • Publicerat
  • Rapporter

  Publicerad 2009-05-15 - Finansinspektionen (FI) has surveyed the development in the banks’ lending for single-family houses and tenant-owner’s flats. At the end of 2008, Swedish…

• Report in Swedish: Bolån liten risk för bankerna (2009:7)

  När en kund ansöker om ett lån är banken skyldig att pröva hur väl kunden på sikt kan betala ränta och amorteringar på lånet.
• The development on the mortgage loan market

  • Bank
  • Konsumentskydd
  • Publicerat
  • Rapporter

  Publicerad 2008-02-21 - The banks’ risk exposures to the Swedish mortgage loan market have increased due to higher mortgage levels and long amortisation periods. The mortgage lending…

• Report in Swedish: Utvecklingen på bolånemarknaden (2008:6)

  Två procent motsvarar en rak amortering på 50 år.
• Hedge funds and private equity firms - The exposure of banks and insurance companies

  • Marknad
  • Publicerat
  • Rapporter

  Publicerad 2007-07-10 - Hedge funds and private equity firms have grown in significance in theSwedish financial market in recent years. They are also receiving moreattention. This…

• Report in Swedish: Hedgefonder och private equity - bankernas och försäkringsföretagens exponeringar (2007:13)

  Private equity-finansiering innebär ett uppgivande av en del i företaget men medför mindre räntebetalningar och amorteringar till bank.
• The market for overdue accounts and debt collection

  • Bank
  • Marknad
  • Publicerat
  • Rapporter

  Publicerad 2006-02-20 - Finansinspektionen and Datainspektionen (The Swedish Data Inspection Board) have joined forces to examine the market for the sale of overdue accounts.

• Report in Swedish: Handel med förfallna fordringar och inkasso (2006:3)

  De inkomna betalningarna fördelas mot bakgrund av kredi- ternas karaktär inte på ränta och amortering.
• Unsecured credits for consumers

  • Bank
  • Konsumentskydd
  • Publicerat
  • Rapporter

  Publicerad 2005-03-31 - Finansinspektionen (FI), on assignment from the Swedish Ministry of Finance, hasexamined the market for unsecured credits for consumers, that is, credit…

• Report in Swedish: Blancokrediter till konsumenter (2005:4)

  Amortering är i sig ingen kostnad men väl en utgift som kan vara nog så viktig att beakta när man avser att ingå ett kreditavtal.
• Increased household lending - a risk analysis

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter

  Publicerad 2004-06-07 - Lending to households has risen at a high and fairly steady rate – about 10% per year – during the past few years. The main increase has been in mortgage…

• Report in Swedish: Hushållens ökade lån – en riskanalys (2004:6)

  Några absoluta krav på amortering av lånen ställs inte.