Official Statistics of Finland


Producer: Statistics Finland

Latest release:
Household-dwelling units in Greater Helsinki have the highest housing loans
24 Jun 2021
Statistics Finlands statistics on indebtedness show that the average size of housing loan per household-dwelling unit with a housing loan was EUR 106,120 in 2020. The average housing loan grew by 3.5 per cent year-on-year in real terms. Household-dwelling units in Greater Helsinki had the largest housing loans, EUR 157,280, on average. Housing loans also grew clearly most in Greater Helsinki, by 5.6 per cent from the year before. The growth in average housing loans was around two per cent elsewhere in Finland. Housing loans were lowest among those with housing loans in Northern and Eastern Finland, EUR 83,710, on average.

Description: Statistics on indebtedness describe the debts of private persons and household-dwelling units. The basic data for the statistics have been drawn from the Tax Administration�s database and combined with the data from total statistics on income distribution. The Tax Administration receives data on credits and interest by type of loan from the annual declarations of financial corporations and other credit providers. The total data on income distribution consists of register data covering the whole population. All of its data are collected from administrative registers. The register data are combined on the basis of the personal identity codes. The statistics on indebtedness are published only on the Internet. The released statistics describe the indebtedness of household-dwelling units and persons by gender, age, family type and area.
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Keywords: credit granting, credits, debts, household-dwelling units, households, housing loans, indebtedness, interest rates, loans, rate of indebtedness.
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Change: Publication of statistics on indebtedness postponed
11 Feb 2020
The statistical release on indebtedness describing rates of indebtedness is postponed.

Referencing instructions:

Official Statistics of Finland (OSF): Indebtedness [e-publication].
ISSN=2489-3285. Helsinki: Statistics Finland [referred: 1.12.2021].
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