BANK OF FINLAND - Finnish MFI new business on euro-denominated loans to households, by purpose and initial rate fixation

Interest rate fixation period			Values
Start Date			Newest
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Finnish MFI new business on euro-denominated loans to households, by purpose and initial rate fixation(1)

In addition to new loans, new business includes agreements concluded as a result of renegotiating the terms and conditions of existing loans.
New business does not include overdrafts.
Households also include non-profit institutions serving households (NPISH).


Period	Housing loans				Consumer credit				Other loans		Total loans
			New drawdowns of housing loans (2)				Of which deposits banks
	Total		Total		Total		Total		Total		Total
	EUR m	Interest rate, %	EUR m	Interest rate, %	EUR m	Interest rate, %	EUR m	Interest rate, %	EUR m	Interest rate, %	EUR m	Interest rate, %
March 2012	1,843	2.16	1,586	2.23	405	3.97	350	3.79	317	2.81	2,565	2.53
February 2012	1,566	2.31	1,370	2.38	345	4.29	297	4.18	315	2.82	2,227	2.69
January 2012	1,397	2.40	1,252	2.45	310	4.02	263	3.85	320	3.38	2,027	2.80
December 2011	1,634	2.55	1,529	2.58	283	4.00	247	3.80	450	3.25	2,367	2.86
November 2011	1,831	2.57	1,686	2.61	313	4.11	263	3.88	361	3.41	2,504	2.88
October 2011	1,977	2.59	1,781	2.63	332	4.06	279	3.88	350	3.45	2,660	2.89
September 2011	2,043	2.54	1,849	2.58	350	4.03	295	3.85	414	3.24	2,807	2.83
August 2011	2,030	2.55	1,818	2.61	343	4.01	294	3.77	408	3.30	2,782	2.84
July 2011	1,777	2.65	1,626	2.67	334	4.23	264	3.85	359	3.49	2,470	2.98
June 2011	2,172	2.57	1,959	2.60	344	3.96	292	3.75	429	3.33	2,945	2.85
May 2011	2,276	2.56	1,999	2.59	352	3.92	302	3.69	422	3.37	3,050	2.83
April 2011	1,900	2.52	1,634	2.54	302	3.89	259	3.67	355	3.37	2,556	2.80
March 2011	1,943	2.38	1,638	2.40	335	3.78	292	3.55	359	3.27	2,637	2.68
February 2011	1,612	2.23	1,397	2.27	287	3.74	250	3.51	336	3.19	2,235	2.57
January 2011	1,342	2.14	1,208	2.17	273	3.59	236	3.34	302	3.15	1,916	2.51
December 2010	1,487	2.15	1,434	2.17	266	3.50	234	3.25	556	2.53	2,309	2.40
November 2010	1,816	2.18	1,679	2.22	291	3.58	253	3.30	351	2.98	2,458	2.46
October 2010	1,890	2.13	1,717	2.17	313	3.68	258	3.27	332	2.98	2,536	2.44
September 2010	1,923	2.06	1,740	2.09	315	3.48	276	3.22	410	2.72	2,648	2.33
August 2010	1,679	2.05	1,539	2.08	295	3.48	259	3.18	356	2.88	2,331	2.36
July 2010	1,667	2.00	1,518	2.03	309	3.43	270	3.13	364	2.86	2,340	2.33
June 2010	2,125	1.86	1,920	1.90	353	3.41	295	2.99	470	2.94	2,948	2.22
May 2010	2,029	1.85	1,753	1.87	288	3.13	263	2.97	384	2.41	2,701	2.06
April 2010	1,934	1.84	1,494	1.88	288	3.09	267	2.96	347	2.54	2,569	2.08
March 2010	1,810	1.85	1,478	1.90	291	3.18	264	3.00	355	2.53	2,456	2.11
February 2010	1,429	1.91	1,240	1.94	253	3.25	231	3.08	236	2.55	1,918	2.16
January 2010	1,184	1.94	1,025	1.98	231	3.29	205	3.09	250	2.63	1,665	2.23
December 2009	1,299	1.95	1,209	2.00	213	3.23	196	3.08	373	2.47	1,885	2.20
November 2009	1,491	2.00	1,383	2.03	222	3.31	199	3.13	269	2.60	1,982	2.23
October 2009	1,643	2.05	1,514	2.08	257	3.41	232	3.22	305	2.61	2,205	2.28
September 2009	1,656	2.12	1,455	2.15	291	3.41	261	3.22	338	2.62	2,285	2.36
August 2009	1,432	2.24	1,278	2.27	257	3.63	227	3.45	329	2.73	2,018	2.50
July 2009	1,486	2.34	1,300	2.38	295	3.74	258	3.57	297	2.95	2,077	2.63
June 2009	1,709	2.58	1,478	2.60	307	3.80	274	3.68	374	3.13	2,389	2.82
May 2009	1,674	2.55	1,411	2.58	274	3.79	248	3.67	331	3.01	2,280	2.77
April 2009	1,702	2.59	1,416	2.61	295	3.76	267	3.66	336	3.20	2,333	2.82
March 2009	1,854	2.60	1,389	2.66	306	3.73	278	3.61	347	3.21	2,507	2.83
February 2009	1,812	2.83	1,264	2.90	285	3.98	261	3.86	319	3.41	2,416	3.05
January 2009	1,980	3.20	1,060	3.32	288	4.24	263	4.10	333	3.81	2,601	3.39

(1) The MFI data collection scheme was revised as of June 2010, and hence the figures published are not totally comparable with
earlier observations. The differences may be due to improved data collection accuracy,revised statistical definitions (eg extending
the definition of overdrafts and credit card credit to include revolving credits) and the collection of detailed data from all MFIs.

(2) New drawdowns of loans include all loans drawn down within the month, irrespective of agreement date. New drawdowns include business arising from changing banks and renegotiations with substantial changes in terms and conditions.
The 13 most recent monthly observations are provisional.

Link to the data collection form

Report updated 30 Apr 2012

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