General Assessment

    Variable(2017)
    Data
    Main constraints in the development of the housing finance sector  
    New developments that will have a major impact on the sectorIncreasing economic activity could raise further the number of transactions in the real estate market and boost the rise in prices. With interest rates low, this would increase the growth in housing loans and in loans to real estate companies, and leave the banking sector more vulnerable to risks from the real estate sector.
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    Notes: 15 commercial banks and 20 savings and loan associations
    Notes: 16 commercial banks and 20 savings and loan associations. In October, DNB Bank and Nordea Bank combined into Luminor Bank.
    Notes: 85% LTV cap
    Notes: 85% LTV cap
    Notes: 85% LTV cap
    Notes: Actual value is 0.002%
    Notes: Actual value is 0.002%
    Notes: Actual value is 0.002%
    Notes: Actual value is 0.003%
    Notes: Actual value is 0.003%
    Notes: Actual value is 0.003%
    Notes: Based on market share
    Notes: Based on market share
    Notes: Based on number of firms, not market share
    Notes: Based on number of firms, not market share
    Notes: Based on number of firms, not market share
    Notes: Based on number of firms, not market share
    Notes: DSTI limit of 50%
    Notes: DSTI limit of 50%
    Notes: DSTI limit of 50%
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwelling Price Index
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Dwellings in bad condition (major shortcomings or almost unsuitable for living)
    Notes: Institutional Funding
    Notes: Law on Property 1993
    Notes: Maximum loan maturity of 30 years
    Notes: Maximum loan maturity of 30 years
    Notes: Maximum loan maturity of 30 years
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: Rent at reduced price or free
    Notes: SEB Loan Protection insurance can be used for a SEB mortgage. It protexts incomes and performance of loan obligations if borrower's income has decreased or ended
    Notes: SEB Loan Protection insurance can be used for a SEB mortgage. It protexts incomes and performance of loan obligations if borrower's income has decreased or ended
    Notes: Stamp duty in insignificant amounts may apply on certain real estate transactions
    Notes: Swedbank owns 100% of Hansabank, the largest bank in Estonia
    Notes: Swedbank owns 100% of Hansabank, the largest bank in Estonia
    Notes: Total dwellings in Harju County