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Cards payments in October–December grew year-on-year. In particular, more contactless payments were made in the fourth quarter than in same period in 2024.
At the end of 2025, households’ total consumer credit stock amounted to EUR 28.2 billion, and its annual growth rate had slowed to 0.1%. Approximately half of households’ total consumer credit stock consisted of unsecured consumer credits (excl. vehicle loans), and their annual growth rate was 1.5%.
In January, a Euribor rate was used as the reference rate in 94% of new housing loans. Over the past year, the popularity of the 12-month Euribor as a reference rate for new housing loans has declined, while shorter Euribors have gained ground. As regards the housing loan stock, 95% of loans used Euribor rates as the reference rate, while only 5% were fixed-rate or linked to banks’ own reference rates.
Households’ equity investments performed strongly during the year, driven by the appreciation of domestic shares, and the value of investments reached an all-time high at the end of the year. Households’ mutual fund investments also closed the year at an all-time high.
Finnish households’ aggregate stock of bank loans remained almost unchanged from a year earlier, at EUR 140.9 billion in December 2025. However, developments in loan volumes by different purposes vary.
Households have increased their deposits in 2025 while interest rates on deposits have declined. Deposits have grown in all deposit categories. In addition, Finnish corporations concluded a high volume of new agreements on deposits with agreed maturity in November.
Card payments increased in July-September 2025. By industry, the growth was mainly explained by three industries: recreation and culture, food and non-alcoholic beverages, and miscellaneous goods and services. In two industries, the aggregate value of card payments declined in July–September 2025.
Card payments initiated in mobile applications increased in the first half of 2025, reaching a total value of EUR 8.1 billion. A growing share of card payments is now made via virtual terminals, while the share of payments at physical terminals has declined.
New loans to non-financial corporations were drawn down significantly more both in the third quarter of 2025 and in January–September 2025 than one year earlier. In 2024, drawdowns of corporate loans from other financial institutions were limited.
In October 2025, non-financial corporations drew down EUR 2.4 billion of new loans from banks operating in Finland. This was 36% more than in the same period a year earlier. In October, the average interest rate on new corporate loans was 3.57%, as opposed to 4.94% in the same period a year earlier.
As a result of net subscriptions and positive value developments, households’ holdings in domestic investment funds reached an all-time high of EUR 41.6 billion at the end of September. Net subscriptions amounted to EUR 376 million, the highest monthly volume in the history of these statistics (since 2009).
Finnish households drew down new housing loans in September 2025 to a total of EUR 1.3 billion, an increase of 11% on September 2024. At the same time, the average interest rate on the new drawdowns rose slightly from August, and in September new housing loans were taken out at an average interest of 2.82%. The maturities of new owner-occupied residential mortgages and buy-to-let mortgages have lengthened.
Student loan drawdowns in August 2025 were lower than in the same period a year earlier. However, the high drawdown volumes over the past academic year boosted the student loan stock to an all-time high.
In the second quarter of 2025, Finnish payment cards were used for a total of 652 million card payments, an increase of 3% compared with the same period in the previous year. The aggregate value of contactless payments rose by 23% year on year.
At the end of the second quarter of 2025, households’ total consumer credit stock was EUR 28.2 billion, and its year-on-year growth rate was 0.5%. Half of the consumer credit (EUR 14.1 billion) was unsecured consumer credit (excl. vehicle loans). OFIs have granted 19% of all consumer credit.
Despite the fall in interest rates, in July 2025 households concluded new agreements on deposits with an agreed maturity almost the same as in July a year earlier. Compared with the average interest rate on overnight deposits (incl. transaction accounts), the interest paid on deposits with an agreed maturity was higher in July.
At the end of June 2025, the stock of Finnish households’ deposits (EUR 114.7 billion) stood at an all-time high. Deposit interest rates have declined. At the end of June 2025, households’ holdings of quoted equities totalled EUR 52.4 billion, representing an increase of 8% year-on-year.
Drawdowns of holiday cottage loans exceeded the level of 2024 for every month in the first half of the year. The average interest rate on new drawdowns of holiday cottage loans declined slightly from May. The average interest rate on the stock of holiday cottage loans declined steadily in the first half of 2025.
At the end of the first quarter of 2025, households’ total consumer credit stock was EUR 28.0 billion, and its year-on-year growth rate was 0.3%. Approximately half of the consumer credits (EUR 13.8 billion) was unsecured consumer credit (excl. vehicle loans).
