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Published 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the…
Published 2024-02-22 - FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…
Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
Published 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.
FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)
Published 2023-09-13 - FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages
Published 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
Report: Banks’ administration of amortisation requirement exemptions
Published 2023-04-19 - FI has taken several measures since 2010 to reduce the risks associated with households’ high levels of debt. These measures include the amortisation…
Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
Published 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
Report: Borrower-based measures following high inflation and rising interest rates
Published 2022-08-22 - FI’s Director General Erik Thedéen participated in a panel discussion on the opportunities and risks associated with increased application of artificial…
Published 2022-04-20 - New mortgagors took out loans that were 12 per cent larger last year than in 2020. The average loan-to-value ratio for new mortgagors rose from 307 to 327 per…
Published 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
Published 2021-12-17 - FI has decided to extend the risk weight floor by two years, from 31 December 2021 to 30 December 2023.
FI’s decision (In Swedish): Riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2021-12-06)
Published 2021-12-06 - The European Commission has announced that it does not intend to object to FI's intention to extend the current risk weight floor for Swedish mortgages. This…
Comission Decision of 12.11.2021
Opinion of the European Systemic Risk Board of 19 October 2021 (ESRB)
Published 2021-09-20 - Finansinspektionen has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to adopt a decision to extend the current risk…
Changed method for the application of the risk weight floor for Swedish mortgages (2018-08-23)
FI extends the risk weight floor for Swedish mortgage exposures (2021-03-12)
Published 2021-08-23 - The rules on amortisation go into effect as normal again after 31 August. The temporary exemption that Finansinspektionen (FI) introduced due to the…
Published 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
Published 2021-06-30 - The mortgage cap and amortisation requirements have had intended effect and subdued household debt. They are slowing a scenario where new mortgagors borrow…
Overall assessment of macroprudential measures
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…
Published 2023-10-18 - 1 (2) Finansinspektionen Box 7821 103 97 Stockholm Tel +46 8 408 980 00 finansinspektionen@fi.se www.fi.se 2023-10-19 FI dnr 23-9164 (Anges alltid vid svar) Enligt sändlista Remiss – förslag om enklare och snabbare hantering av amorteringsunderlag Finansinspektionen föreslår en ny b...
Published 2023-10-18 - Remissexemplar 2023-10-19 Finansinspektionens författningssamling Utgivare: Chefsjurist Eric Leijonram, Finansinspektionen, Sverige, www.fi.se ISSN 1102-7460 1 Föreskrifter om ändring i Finansinspektionens föreskrifter (FFFS 2016:16) om amortering av krediter mot säkerhet i bostad; ...
Published 2023-10-18 - 1 (16) Finansinspektionen Box 7821 103 97 Stockholm Tel +46 8 408 980 00 finansinspektionen@fi.se www.fi.se Remisspromemoria Datum 2023-10-19 FI dnr 23-9164 Enklare och snabbare hantering av amorteringsunderlag Sammanfattning För att en bolånekund ska kunna byta bolåneföretag krävs att de...
Published 2024-05-23 - RAPPORT Konsumenternas ställning på bankmarknaden 23 maj 2024 FINANSINSPEKTIONEN Konsumenternas ställning på bankmarknaden Innehåll 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ......
Published 2023-10-18 - Bilaga 1 Konsumenternas ställning – en internationell jämförelse Det här är en extern rapport gjord av RBB Economics på uppdrag av Finansinspektionen Sammanfattning 2 Sammanfattning Finansinspektionen (FI) har låtit göra en internationell jämförelse med länder som liknar Sve...
Published 2023-10-18 - Bilaga 2 Svenska bolånetagare – en fokusgruppsundersökning Det här är en extern rapport gjord av Claes Hemberg på uppdrag av Finansinspektionen Sammanfattning 2 Sammanfattning Finansinspektionen (FI) har låtit göra en undersökning med fokusgrupper. Syf...
Published 2023-10-18 - Bilaga 3 Inlåning, utlåning och bankernas marginaler FINANSINSPEKTIONEN Inlåning, utlåning och bankernas marginaler Fler aktiva konsumenter genom förbättrad information 2 Fler aktiva konsumenter genom förbättrad information En välfungerande bankmarknad kräver aktiva konsu...
Published 2023-10-18 - RAPPORT Konsumenternas ställning på bankmarknaden 19 oktober 2023 Förord 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ...................................................................
Published 2023-10-19 - RAPPORT Konsumenternas ställning på bankmarknaden 19 oktober 2023 Förord 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ...................................................................
Published 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the…
Published 2024-02-22 - FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…
Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
Published 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.
FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)
Published 2023-09-13 - FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages
Published 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
Report: Banks’ administration of amortisation requirement exemptions
Published 2023-04-19 - FI has taken several measures since 2010 to reduce the risks associated with households’ high levels of debt. These measures include the amortisation…
Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
Published 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
Report: Borrower-based measures following high inflation and rising interest rates
Published 2022-08-22 - FI’s Director General Erik Thedéen participated in a panel discussion on the opportunities and risks associated with increased application of artificial…
Published 2022-04-20 - New mortgagors took out loans that were 12 per cent larger last year than in 2020. The average loan-to-value ratio for new mortgagors rose from 307 to 327 per…
Published 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
Published 2021-12-17 - FI has decided to extend the risk weight floor by two years, from 31 December 2021 to 30 December 2023.
FI’s decision (In Swedish): Riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2021-12-06)
Published 2021-12-06 - The European Commission has announced that it does not intend to object to FI's intention to extend the current risk weight floor for Swedish mortgages. This…
Comission Decision of 12.11.2021
Opinion of the European Systemic Risk Board of 19 October 2021 (ESRB)
Published 2021-09-20 - Finansinspektionen has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to adopt a decision to extend the current risk…
Changed method for the application of the risk weight floor for Swedish mortgages (2018-08-23)
FI extends the risk weight floor for Swedish mortgage exposures (2021-03-12)
Published 2021-08-23 - The rules on amortisation go into effect as normal again after 31 August. The temporary exemption that Finansinspektionen (FI) introduced due to the…
Published 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
Published 2021-06-30 - The mortgage cap and amortisation requirements have had intended effect and subdued household debt. They are slowing a scenario where new mortgagors borrow…
Overall assessment of macroprudential measures
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…
Published 2023-10-18 - 1 (2) Finansinspektionen Box 7821 103 97 Stockholm Tel +46 8 408 980 00 finansinspektionen@fi.se www.fi.se 2023-10-19 FI dnr 23-9164 (Anges alltid vid svar) Enligt sändlista Remiss – förslag om enklare och snabbare hantering av amorteringsunderlag Finansinspektionen föreslår en ny b...
Published 2023-10-18 - Remissexemplar 2023-10-19 Finansinspektionens författningssamling Utgivare: Chefsjurist Eric Leijonram, Finansinspektionen, Sverige, www.fi.se ISSN 1102-7460 1 Föreskrifter om ändring i Finansinspektionens föreskrifter (FFFS 2016:16) om amortering av krediter mot säkerhet i bostad; ...
Published 2023-10-18 - 1 (16) Finansinspektionen Box 7821 103 97 Stockholm Tel +46 8 408 980 00 finansinspektionen@fi.se www.fi.se Remisspromemoria Datum 2023-10-19 FI dnr 23-9164 Enklare och snabbare hantering av amorteringsunderlag Sammanfattning För att en bolånekund ska kunna byta bolåneföretag krävs att de...
Published 2024-05-23 - RAPPORT Konsumenternas ställning på bankmarknaden 23 maj 2024 FINANSINSPEKTIONEN Konsumenternas ställning på bankmarknaden Innehåll 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ......
Published 2023-10-18 - Bilaga 1 Konsumenternas ställning – en internationell jämförelse Det här är en extern rapport gjord av RBB Economics på uppdrag av Finansinspektionen Sammanfattning 2 Sammanfattning Finansinspektionen (FI) har låtit göra en internationell jämförelse med länder som liknar Sve...
Published 2023-10-18 - Bilaga 2 Svenska bolånetagare – en fokusgruppsundersökning Det här är en extern rapport gjord av Claes Hemberg på uppdrag av Finansinspektionen Sammanfattning 2 Sammanfattning Finansinspektionen (FI) har låtit göra en undersökning med fokusgrupper. Syf...
Published 2023-10-18 - Bilaga 3 Inlåning, utlåning och bankernas marginaler FINANSINSPEKTIONEN Inlåning, utlåning och bankernas marginaler Fler aktiva konsumenter genom förbättrad information 2 Fler aktiva konsumenter genom förbättrad information En välfungerande bankmarknad kräver aktiva konsu...
Published 2023-10-18 - RAPPORT Konsumenternas ställning på bankmarknaden 19 oktober 2023 Förord 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ...................................................................
Published 2023-10-19 - RAPPORT Konsumenternas ställning på bankmarknaden 19 oktober 2023 Förord 2 Dnr 23-6906 Innehåll Förord ......................................................................................... 3 Sammanfattning ...................................................................