Analyses focus on current issues of particular relevance to Danmarks Nationalbank’s objectives. The analyses may also contain Danmarks Nationalbank’s recommendations. They include our projections for the Danish economy and our assessment of financial stability. Analyses are targeted at people with a broad interest in economic and financial matters.

Financial stability and financial risks

Stricter lending requirements have made homeowners more robust

Danish authorities have implemented a number of regulations targeting mortgage financing. The new regulations provide incentives for the most indebted homeowners to increase amortization on their mortgages thereby increasing the robustness of the housing market. As the new rules have been implemented, mortgage credit institutions have managed to increase their issuance of new mortgages to first time buyers as well as older existing home owners remortgaging.