Finansinspektionen (FI) has surveyed the development in the banks’ lending for single-family houses and tenant-owner’s flats. At the end of 2008, Swedish households had approximately SEK 1,800 billion in mortgage loans. The investigated banks’ lending constitutes just under 90 per cent of this.
The following has occurred during 2008:
The mortgage market is not assessed to constitute a risk for the banks or the financial stability. However, there are certain risks that individual borrowers will not be able to pay their mortgages in the future due to increased unemployment.