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• Amortisation by mortgage holders increased since the introduction of individual amortisation plans

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  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)
• The Swedish Mortgage Market (2021)

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  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)
• Individually tailored amortisation plan

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  Publicerad 2013-10-14 - Individually tailored amortisation plan

• Report in Swedish: Individuellt anpassad amorteringsplan
• 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…

• The Swedish Mortgage Market

  Mortgagor margins and amortisation exemptions in early 2023

  Data appendix - The Swedish Mortgage Market
• Measures to counteract household indebtedness – amortisation requirement

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  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)
• The Swedish Mortgage Market (2019)

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  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)
• Proposal for a stricter amortisation requirement for households with high loan-to-income ratios

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  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)
• 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…

• Report: Banks’ administration of amortisation requirement exemptions
• Swedish Consumer Credit

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  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

  Data appendix
• FI-analysis 17: Fewer Vulnerable Households after Stricter Amortisation Requirement

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  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
• FI Analysis 10: Amortisation requirement reduced household debt

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  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
• Proposal to repeal regulations regarding MREL reporting

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  • Förslag nya FFFS

  Publicerad 2021-08-23 - FI proposes that the regulations (FFFS 2019:1) regarding periodic reporting of data on the minimum requirement for own funds and eligible liabilities (MREL)…

• Consultation memorandum (in Swedish)finansinspektionen@fi.se

  Proposal to repeal FFFS 2019:1 (in Swedish)

  Cover letter (in Swedish)
• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing

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  • Coronaviruset

  Publicerad 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…

• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
• The development on the mortgage loan market

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  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)
• FI’s view on financial stability and the risks for financial imbalances

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  • Tal och debatt
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  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)
• Banks may now grant amortisation exemption

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  • Coronaviruset

  Publicerad 2020-04-14 - FI’s Board of Directors has decided that the proposal communicated on 2 April will go into effect as of today. This means that banks will now be able to grant…

• Decision memorandum: General guidelines on exemption from amortisation requirements on special grounds
• FI Analysis No. 48: Share of consumer credit debt registered with Swedish Enforcement Authority increases during economic downturns

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  Publicerad 2025-02-27 - In 2020, almost 130,000 individuals had a debt registered with the Swedish Enforcement Authority that was related to consumer credit. Since the end of 2020,…

• FI Analysis No. 48 (in Swedish)
• Overall assessment of macroprudential measures

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  • Coronaviruset

  Publicerad 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…

• Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
• 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,…

• Report: Household savings in Sweden
• The Swedish Mortgage Market (2020)

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  Publicerad 2020-04-02 - 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…

• The Swedish Mortgage Market 2020
• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements

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  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.

• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
• FI’s Use of Macroprudential Tools

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  Publicerad 2018-10-18 - Household debt is not primarily a direct threat to financial stability. However, if the economy takes a turn to the worse, many households may be forced, or…

• Report: FI’s Use of Macroprudential Tools
• The Swedish Mortgage Market (2016)

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  Publicerad 2016-04-14 - The average debt-to-income ratio for households with new mortgages increased from 387 per cent to 406 per cent between 2014 and 2015, according to FI:s report.

• The Swedish Mortgage Market (2016)

  Data appendix: The Swedish Mortgage Market (April 2016)
• FI Analysis 19: Young adults and the housing market

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  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
• The Swedish Mortgage Market 2015

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  Publicerad 2015-04-14 - Finansinspektionen monitors the mortgage market and household indebtedness closely, and the mortgage survey is an important part of that process. The survey…

• Report: The Swedish Mortgage Market 2015

  Data appendix: The Swedish Mortgage Market 2015
• Finansinspektionen’s view on the amortisation requirement

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  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)
• The Swedish Mortgage Market

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  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…

• The Swedish Mortgage Market
• The Swedish Mortgage Market (2017)

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  Publicerad 2017-04-06 - Household debt is a crucial matter which FI monitors closely, and the mortgage survey is an important part of this work. Household debt has increased sharply…

• Report: The Swedish Mortgage Market (2017)
• Households’ finances and financial literacy 2020

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  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)
• Development on the mortgage market

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  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)