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The amortisation requirement has had a slow-down effect


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The amortisation requirement that was introduced last year has had a slow-down effect thus far. Households with new mortgages are borrowing less and buying less expensive homes, but the risks associated with high household debt remain.

Finansinspektionen (FI) will announce these conclusions and others in its presentation today of this year’s mortgage survey and its analysis of the amortisation requirement’s effects.

The survey includes new mortgages issued after the introduction of the amortisation requirement in 2016. The analysis shows that the amortisation requirement has had an effect and that household resilience continues to improve compared to the mortgage surveys from previous years. However, the report also notes that many mortgage holders continue to have high debt in relation to the value of the home or in relation to their income.

“We are seeing that new mortgage holders as a whole have good resilience to rising mortgage rates, but there are still macroeconomic risks,” says Chief Economist at FI, Henrik Braconier, who is presenting the new mortgage survey together with analyst Henrik Larsson at a press conference today at 10:00 AM.

At the press conference FI will also present an FI Analysis on the effects of the amortisation requirement.

Time and date: Thursday, April 6, 10:00 AM

Location: FI’s premises at Brunnsgatan 3

The press conference is only for the media, but it will be broadcast live at

Regulator Information

Abbreviation: FI
Jurisdiction: Sweden

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