Risks in long-term and large home loans : Sweden's worry is also ours

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Title: Risks in long-term and large home loans : Sweden's worry is also ours
Author: Putkuri, Hanna
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 91
Series number: 2/2017
Year of publication: 2017
Publication date: 29.5.2017
Pages: 22-31
Subject (yso): asuntolainat; velkaantuminen; asunnot; luotot; riskit; kotitaloudet
Keywords: rahoitusvakaus; takaisinmaksuaika; Suomi; Ruotsi
Other keywords: financial stability; households; indebtedness; repayment period; home loans; mortgages
Abstract: Household debt relative to income is currently at a record high in Finland and Sweden. High household indebtedness exposes both the financial system and the economy to risks. In Finland, home loans are typically paid off faster than in Sweden, which makes an average Finnish household with a mortgage less indebted. The comparison does not, however, dissipate national concerns. Rather, it shows that, if Finland follows the path that Sweden has taken, it would further increase both debt levels and risks.
Link: http://www.bofbulletin.fi/
Rights: https://helda.helsinki.fi/bof/copyright


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