Financial stability

A slower rate of increase of household indebtedness is needed for stability

Picture of the Financial Stability ReportHigh and rising household indebtedness currently poses the greatest risk to the Swedish economy. It is important therefore that the proposal for a stricter amortisation requirement is put in place. It is also important to implement measures within housing and tax policies to increase the resilience of the household sector and reduce the risks. A slower rate of price increase for housing will contribute to a more stable development on the housing market and a slower rate of increase in household debt.

 

 

 

Press Release: A slower rate of increase of household indebtedness is needed for stability

The Riksbank's most recent recommendation and risk outlook

One of the Riksbank's core functions is to promote a safe and efficient payment system. The payment system is important for all economic activities and is a central component of the financial system. For that reason the Riksbank regularly analyses the risks and threats to the stability of the Swedish financial system. The purpose of this analysis is to detect changes and vulnerabilities that could lead to a serious crisis. The major Swedish banks have particular significance in the analysis. The Riksbank's assessment of stability is published twice yearly in the Financial Stability Report.