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Sat, 27 Jun, 2015 12:09:29 AM FTimes Report, June 27  Average housing loans of household-dwelling units with housing loans in 2002 to 2014, in 2014 money. Source: Indebtedness 2014. Statistics Finland. The average size of housing loan per household-dwelling unit decreased in real terms by EUR 230 in 2014 compared with the year before.
The average size of housing loan per household-dwelling unit was EUR 94,400 in 2014, according to Statistics Finland’s statistics on indebtedness.
The average size of housing loan was largest in Greater Helsinki, EUR 126,500 and smallest in Northern and Eastern Finland, EUR 79,200, the data show.
In the Greater Helsinki region, housing loans grew by close on one per cent and in Åland by 1.6 per cent. But the average size of housing loans decreased slightly from the previous year elsewhere in the country.
In 2014, there were 1,380,400 household-dwelling units in Finland that had debt.
Thus there were slightly over one-half of indebted household-dwelling units.
The number of indebted household-dwelling units grew by good one per cent from the previous year.
All in all, household-dwelling units had EUR 112 billion in debt, or EUR 81,200 by indebted household-dwelling unit.
From the previous year, the debt of household-dwelling units grew by close on one per cent in real terms.
One-third of all household-dwelling units, or 873,800, had housing loans. There was roughly the same number of household dwelling units with housing loans as in 2013.
Altogether, 299,900 household-dwelling units had study loans, which was four per cent more than in the year before.
Altogether, 765,400 household-dwelling units had other debts taken out for consumption and purchases and 79,150 had business loans as per the statistics.
In 2014, there were 129,100 household-dwelling units in Finland that were more than EUR 200,000 in debt.
Most commonly, households of two adults had large debts.
The amount of interest expenses has varied considerably more than the changes in the stock of loans.
In 2014, household-dwelling units' interest expenses amounted to EUR 2.0 billion, which, in real terms, was 2.3 per cent more than one year earlier. Of that, EUR 1.2 billion was interests on housing loans.
The amount of interests on housing loans did not grow from the year before.
The slight increase in the interest expenses of household-dwelling units was caused by a growth in the interest expenses of other loans.
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