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Financial Stability Assessment, April 2023

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Risks associated with housing company loans are increasing – Regulatory reforms will restrict use of such loans in the future

The increase in household and investor indebtedness from housing company loans has been a concern to the authorities. Housing company loans still account for a considerable share of the financing for new homes, but new legislation will start to curb the level of debt incurred via housing company loans.

How can Finland’s use of the countercyclical capital buffer requirement be further developed?

In Finland, it should be possible to impose a countercyclical capital buffer requirement on banks before the credit cycle overheats. This would allow the authorities, as necessary, to lower the capital requirements for banks during a crisis situation on a more flexible basis than at present.

Financial sector contingency planning will help ensure continued functioning of society in all circumstances

In 2022, a backup system was put in place for safeguarding daily payments during exceptional situations affecting society. The authorities and the financial sector should continue to enhance their preparedness for coping with severe disruptions in society that threaten the availability of normal banking and financial services.

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