Macro-prudential policies cool Sweden’s housing market
Private debt continues to increase, but loan-to-value ratios are falling
The macro-prudential measures introduced in Sweden over the past decade have helped reduce the size of new loans, the Swedish regulator Finansinspektionen (FI) said today (April 4).
The average loan-to-value ratio of new mortgages has progressively declined in recent years, reaching 63% in 2017, according to the annual mortgage survey conducted by the regulator.
In October 2010, FI introduced a cap on new mortgages’ LTV ratios and, since 2016, it has imposed amortisation requirements linked to
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