High housing debt increases risks to financial stability

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Titel: High housing debt increases risks to financial stability
Författare: Putkuri, Hanna
Institution: Bank of Finland
Serie: Bank of Finland. Bulletin
Serievolum: 90
Serienumber: 2/2016
Utgivningsår: 2016
Utgivningsdatum: 7.6.2016
Sidor: 43-52
Subject (yso): pankit; velkaantuminen; asunnot; luotot; rahoitusmarkkinat; riskit
Nyckelord: rahoitusvakaus; asuntoluotonanto; kotitaloudet; Suomi
Andra nyckelord: financial stability; housing loans; banks; households; indebtedness
Abstrakt: Finland’s financial system is, by structure, vulnerable to risks associated with lending for house purchase. Housing loan volumes are large relative to other lending by banks and requirements on banks’ own funds. The fact that household debt levels have increased and that housing wealth constitutes a large proportion of household assets also increases the vulnerabilities. In addition, covered bonds secured by housing loans play a significant role in bank funding and investment. However, the increase in vulnerabilities has largely levelled off in the 2010s.
Länk: http://www.bofbulletin.fi/
Licens: https://helda.helsinki.fi/bof/copyright


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