Source: Bank of Finland.
Resilience of financial system to mortgage risks restson a number of pillars
21.1.2017bofbulletin.fi
Sufficiency of mortgage holders’ repaymentcapacity and financial margin
Reasonable LTV ratios forhousing loans
Capital adequacy of credit institutions
Resilience of financial systemand general economy
Households’ debt-servicing andconsumption capacity
Households’ netasset position
Credit institutions’ loss-absorbanceand lending capacity