Stability in the Financial System

The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.

The risks associated with high house prices and large household debt continue to be elevated. A future downturn in the economy could be accentuated by a sharp fall in house prices and large reductions in consumption. The amortisation requirement FI introduced in 2016 has reduced debt and resulted in households buying less expensive homes. It will also improve household resilience over time. In order to further strengthen the resilience of households, FI intends to introduce a stricter amortisation requirement.

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