High housing debt increases risks to financial stability

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dc.contributor Bank of Finland
dc.contributor.author Putkuri, Hanna
dc.date.accessioned 2016-06-10T12:51:27Z
dc.date.available 2016-06-10T12:51:27Z
dc.date.issued 2016
dc.identifier.issn 1456-5870
dc.identifier.uri https://helda.helsinki.fi/bof/handle/123456789/14166
dc.description.abstract 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.
dc.format.extent 43-52
dc.language.iso ENG
dc.rights https://helda.helsinki.fi/bof/copyright
dc.subject rahoitusvakaus
dc.subject asuntoluotonanto
dc.subject kotitaloudet
dc.subject Suomi
dc.subject.other financial stability
dc.subject.other housing loans
dc.subject.other banks
dc.subject.other households
dc.subject.other indebtedness
dc.title High housing debt increases risks to financial stability
dc.type Journal article
dc.identifier.urn URN:NBN:fi:bof-201606101188
dc.series.name Bank of Finland. Bulletin
dc.series.volume 90
dc.series.number 2/2016
dc.date.publication 7.6.2016
dc.subject.yso pankit
dc.subject.yso velkaantuminen
dc.subject.yso asunnot
dc.subject.yso luotot
dc.subject.yso rahoitusmarkkinat
dc.subject.yso riskit
dc.relation.url http://www.bofbulletin.fi/
bof-internal.includedInCRIS 1
dc.type.okm E1

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