Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2021

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Title: Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2021
Organization: Bank of Finland
Series: Bank of Finland. Bulletin
Series volume: 95
Series number: 1/2021
Year of publication: 2021
Publication date: 4.5.2021
Pages: 88
Subject (yso): asuntolainat; lainat (rahasumma); velkaantuminen; pankit; riskit; sääntely; asuntomarkkinat
Keywords: Suomi; luottoriskit; velkakatto; rahoitusvakaus; stressitestit
Table of contents: New instruments are needed to rein in household debt 3 Debt-to-income cap and maturity limits necessary to curb financial stability risks 6 Nordic housing market showing strength, but not without risks 25 New mortgage-borrowers have an increasing amount of debt relative to income 36 A debt-to-income cap would dampen economic fluctuations 48 Imposing a loan-to-value limit on housing company loans would only affect a share of construction finance 53 Separating buy-to-let mortgages from other housing loans provides a clearer look into household debt 61 Moderate growth in Finnish companies’ non-performing loans 65 New stress-testing framework to assess the capital adequacy of Finnish banks 75 Pandemic continues to cast a shadow over the outlook for European banks’ credit risks 81
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