Capping debt-to-income ratios complementary to housing loan cap

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Title: Capping debt-to-income ratios complementary to housing loan cap
Author: Voutilainen, Ville
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 93
Series number: 2/2019
Year of publication: 2019
Publication date: 29.5.2019
Pages: 34-40
Subject (yso): kotitaloudet (organisaatiot); velkaantuminen; asuntolainat; luotot; riskit; lainat (rahasumma); tulot
Keywords: asuntovelalliset; makrovakausvälineet; rahoitusvakaus; velkakatto
Other keywords: financial stability; households; macroprudential instruments; mortgage borrowers; borrowing
Abstract: Finnish household debt relative to income has grown significantly since the turn of the millennium. In future, excessive borrowing could be stemmed by, for example, restricting the amount of credit available to households relative to their levels of income

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