trending Market Intelligence /marketintelligence/en/news-insights/trending/4byub8oiaxnul0oc2wkztq2 content
Log in to other products

Login to Market Intelligence Platform

 /


Looking for more?

Contact Us

Request a Demo

You're one step closer to unlocking our suite of comprehensive and robust tools.

Fill out the form so we can connect you to the right person.

If your company has a current subscription with S&P Global Market Intelligence, you can register as a new user for access to the platform(s) covered by your license at Market Intelligence platform or S&P Capital IQ.

  • First Name*
  • Last Name*
  • Business Email *
  • Phone *
  • Company Name *
  • City *
  • We generated a verification code for you

  • Enter verification Code here*

* Required

Thank you for your interest in S&P Global Market Intelligence! We noticed you've identified yourself as a student. Through existing partnerships with academic institutions around the globe, it's likely you already have access to our resources. Please contact your professors, library, or administrative staff to receive your student login.

At this time we are unable to offer free trials or product demonstrations directly to students. If you discover that our solutions are not available to you, we encourage you to advocate at your university for a best-in-class learning experience that will help you long after you've completed your degree. We apologize for any inconvenience this may cause.

In This List

Finnish FSA cuts loan-to-collateral ratio to 85%

StreetTalk – Episode 70: Banks' Liquidity Conundrum Could Fuel M&A Activity

Street Talk Episode 70 - Banks' Liquidity Conundrum Could Fuel M&A Activity

StreetTalk – Episode 69: Banks left with pockets full of cash and few places to go

Street Talk – Episode 69: Banks left with pockets full of cash and few places to go


Finnish FSA cuts loan-to-collateral ratio to 85%

Finland's Financial Supervisory Authority cut the maximum loan-to-collateral ratio — the amount of the loan compared to the value of the asset purchased with it — on loans by 5 percentage points to 85% to curb the country's "exceptional" household debt accumulation.

This new ratio comes into effect July 1 and excludes first-home loans, which will continue to have an LTC ratio of 95%, the regulator said.

The Finnish FSA said the reason for the move was that the country's household debt ratio stood at 128% in the third quarter of 2017 due to a rise in housing loans and housing corporation loans as well as the stock of consumer credit.

The regulator asked lenders to avoid long loan-repayment periods and long interest-only periods, except for special reasons.

The high household debt in Finland "increases the risks to the housing market and to the economy as a whole," Anneli Tuominen, director general of the Finnish Financial Supervisory Authority, said.