Transferring a home loan to another bank could be made simpler and cheaper
Eesti Pank and Finantsinspektsioon have put together a series of proposals that would make it...

Eesti Pank is amending the requirements for banks regulating the issuing of new housing loans
In April, Eesti Pank is going to amend the requirements that regulate the calculations made by...

Interest rates above 4% make term deposits an interesting option for investment says Veiko Tali
Inflation is coming down from its high level and has been encouraged in this by the central bank...

FINANCIAL STABILITY REVIEW. Problem loans will become a slightly greater concern going forward
The level of problem loans in Estonia is currently very low, but the analysis just published by...

Corporate borrowing increased slightly in the spring and early summer
Corporate borrowing picked up somewhat in the second quarter. New long-term loans were issued to...

People are taking a wait-and-see attitude when taking out housing loans
The housing loan market has been very active in the past couple of years, but by December the...

People in Estonia have so far coped well with repaying their housing loans
Housing loans not repaid by their deadline were at a record low level of the past 20 years in...

Eesti Pank is requiring banks to hold larger capital buffers because of the rapid growth in credit
Eesti Pank is raising the countercyclical capital buffer rate for the banks from 1% to 1.5%, as the...

STATISTICAL RELEASE. Households borrowed less in October
he statistical release describes the main changes in the statistics on credit institutions and...

FINANCIAL STABILITY REVIEW. The number of companies facing difficulties with loans is starting to rise a little
The latest financial stability review from Eesti Pank finds that the number of companies having...

The rise in real estate prices has increased the size of the average housing loan
Demand from households for housing loans remains large. There were 168 million euros of housing...

The war has so far had a modest impact on the lending market in Estonia
Russia’s invasion of Ukraine caused Estonian companies and households to be somewhat more cautious...

The banks have sufficient buffers to cope with an increase in problem loans
The latest financial stability review from Eesti Pank finds that the capacity of companies and...

STATISTICAL RELEASE. The share of the loan portfolio of the banks that is overdue remains small
The statistical release describes the main changes in the statistics on credit institutions and...

The ability of companies and households to borrow is good and is more varied than before
The latest review from Eesti Pank of the Financing of the Economy finds that companies and...

The volume of housing loans issued in December was the largest of recent years
A little over 218 million euros of housing loans were issued in December 2021, and the housing loan...

The housing market continued to be very active in October
A record 184 million euros was issued in housing loans in October. The number of contracts signed...

House buyers must consider whether they are able to repay their loan when interest rates rise
The latest analysis by Eesti Pank shows that the Estonian financial sector does not currently face...

The recovery in the economy has led to growth in corporate borrowing
Increased investment and sales turnover have led to Estonian companies borrowing actively again. The...

The activity in the housing loan market cooled a little in June
The real estate market stood out for its level of activity in the first half of this year. Strong...

Eesti Pank continues to require caution from two large banks to reduce the risks from housing loans
Eesti Pank has kept in place the requirement that Swedbank and SEB Pank have to apply a risk weight...

Demand from households for car leases and consumption loans has recovered
The housing loan market remained active in spring and the issuance of car leases and consumption...

Competition pressure has pushed loan interest rates down
The average interest rates on loans issued to businesses and households have fallen over the past...

The growth in housing loans is being driven by strong demand and improved lending conditions
Raido Kraavik Economist at Eesti Pank The market for...

The coronavirus crisis has so far had little effect on the profitability of the banking sector
Raido Kraavik Economist at Eesti Pank The operating...

Rebounding confidence in the summer has led companies to borrow more actively in the autumn
Madis Laas Economist at Eesti Pank The uncertainty...

The housing loan market has revived rapidly since the coronavirus outbreak in the spring
Raido Kraavik Economist at Eesti Pank The...

Activity is slowly returning to the housing loan market
Raido Kraavik Economist at Eesti Pank The housing...

Corporate and household deposits grew fast during the crisis
Raido Kraavik Economist at Eesti Pank The bank...

Banking sector profits are still solid despite loan provisions
Madis Laas Economist at Eesti Pank The banks...

Businesses remain cautious about making investment decisions
Raido Kraavik Economist at Eesti Pank The coronavirus...

Payment holidays have slowed the pile-up of overdue loans
Raido Kraavik Economist at Eesti Pank Restrictions...

Smaller demand for car leases showed the loan market is cooling
Raido Kraavik Economist at Eesti Pank The sharp...

The quality of the loan portfolio of the banks was very good before the uncertainty caused by the coronavirus
Raido Kraavik Economist at Eesti Pank Eesti Pank...

The lending market was calmer in January, as is typical for the start of the year
Raido Kraavik Economist at Eesti Pank Although the...

The net profit of the banks fell last year
Raido Kraavik Economist at Eesti Pank The banking...

Companies are borrowing from other sources alongside banks
Taavi Raudsaar Economist at Eesti Pank Corporate debt...

The active market for housing loans indicates high household confidence
Raido Kraavik Economist at Eesti Pank The housing...

Companies are borrowing less from banks than before
Raido Kraavik Economist at Eesti Pank A little less...

Borrowing has become more expensive
Raido Kraavik Economist at Eesti Pank Borrowing has...

Deposits continue to grow fast
Raido Kraavik Economist at Eesti Pank Despite...

Eesti Pank sets a risk weight floor for mortgage loans
From 30 September, Swedbank and SEB Pank will have to apply an average risk weight of at least 15%...

The size of the average housing loan has increased this year
Taavi Raudsaar Economist at Eesti Pank Banking...

Corporate car leases picking up again
Raido Kraavik Economist at Eesti Pank According to...

Growth in corporate equity has slowed
Taavi Raudsaar Economist at Eesti Pank The financial...

Borrowing has become a little more expensive this year
Jana Kask Economist at Eesti Pank The average...

Households were active in borrowing in April
Raido Kraavik Economist at Eesti Pank Borrowing by...

Banks’ net profit fell in the first quarter
Mari Tamm economist at Eesti Pank The stock of...

The growth in corporate and household debt is still slower than the growth in the economy
Taavi Raudsaar Economist at Eesti Pank The...

Borrowing by households is growing at a slightly slower rate
Jana Kask Economist at Eesti Pank Growth in housing...

The market for loans to private clients is showing signs of calming
Kirstin Saluveer Economist at Eesti Pank New loans...

The profits of the banks were increased last year by dividends received from subsidiaries
Mari Tamm Economist at Eesti Pank The growth in the...

Corporate equity is no longer growing at the same rate
Taavi Raudsaar Economist at Eesti Pank The growth in...

More housing loans were taken in November than a year earlier
Mari Tamm Economist at Eesti Pank In November, 14%...

Deposits continue to grow faster than loans
Kirstin Saluveer Economist at Eesti Pank New housing...

The housing loan market is moderating its speed
Mari Tamm Economist at Eesti Pank Less has been taken...

Companies have started to borrow more
Taavi Raudsaar Economist at Eesti Pank Companies...

The value of car leases taken is up one fifth on a year ago
Mari Tamm Economist at Eesti Pank Demand remains...

Households continued to borrow enthusiastically in July
Mari Tamm Economist at Eesti Pank Demand remained...

Bank profits decreased somewhat in the second quarter
Taavi Raudsaar Economist at Eesti Pank Borrowing...

The moderate growth of corporate debt reflects the modest level of investment
Jana Kask Economist at Eesti Pank Annual growth in...

May was an active month for borrowing
Taavi Raudsaar Economist at Eesti Pank The growth in...

Household borrowing remains large
Kirstin Saluveer Economist at Eesti Pank The...

The profits of the banks were down in the first quarter after a change in the income tax regime
Mari Tamm Economist at Eesti Pank • Real estate...

Corporate debt shrank in 2017 and that of households increased
Taavi Raudsaar Economist at Eesti Pank Corporate...

The central bank requires additional capital buffers from two banks
The risks to financial stability in Estonia are small. Risks are being kept down above all by the...

The yearly growth in the portfolio of loans and leases to households accelerated to 8% in February
Mari Tamm Economist at Eesti Pank Estonian...

The borrowing activity of Estonian companies and households remained strong in January
Mari Tamm Economist at Eesti Pank Companies took...

The profits of the banking sector were supported in 2017 by growth in the loan portfolio and by the good quality of it
Mari Tamm Economist at Eesti Pank The borrowing...

Households borrowed more than previously from the banks and less from elsewhere
Taavi Raudsaar Economist at Eesti Pank Higher...

The amount borrowed in November by companies from banks operating in Estonia was the largest seen in recent years
Mari Tamm Economist at Eesti Pank A large part of...

Demand for loans remained strong in October
Mari Tamm Economist at Eesti Pank Growth...

The banking sector earned 84 million euros in net profit in the third quartert
Mari Tamm Economist at Eesti Pank Demand from...

Savings continue to grow faster than loans
Taavi Raudsaar Economist at Eesti Pank The growth...

Borrowing by households increased again in August
Mari Tamm Economist at Eesti Pank The growth in...

Household loans are growing at an ever faster rate
Taavi Raudsaar Economist at Eesti Pank The growth...

Corporate and household debt has started to increase faster alongside more rapid economic growth
Taavi Raudsaar Economist at Eesti Pank Companies...

Household borrowing growing even more strongly
Mari Tamm Economist at Eesti Pank Corporate loan...

Housing loan portfolio up 6% year-on-year in April
Mari Tamm Economist at Eesti Pank Corporate and...

The profitability of the banks remained at a similar level to last year in the first quarter
Mari Tamm Economist at Eesti Pank The portfolio of...

The debt burdens of the private and government sectors in Estonia did not change last year
Taavi Raudsaar Economist at Eesti Pank Estonian...

Financial stability could be threatened by rising prices and increasing transaction activity in the real estate market
Most of the risks to financial stability in Estonia are low in the near future The ability of...

Corporate and household deposits up 10% year-on-year in February
Mari Tamm Economist at Eesti Pank New loans to...

The growth in housing loans was faster in January at 5.6% than it was a year earlier
Mari Tamm Economist at Eesti Pank The number of...

The profitability of the banking sector declined last year
Mari Tamm Economist at Eesti Pank The loan and...

Low levels of investment activity mean that companies are borrowing less than before
Taavi Raudsaar Economist at Eesti Pank Corporate...

The stock of housing loans was 5% larger in November than a year earlier
Mari Tamm Economist at Eesti Pank The loan and...

The rapid growth in loans and leases to companies continued in October
Mari Tamm Eesti Panga ökonomist The portfolio of...

The risks to the financial sector in Estonia are small in the near future
Faster loan growth could increase the risks to banks from real estate Although corporate...

The net profit of the banks was boosted in the third quarter by interest income
Jana Kask Deputy Head of the Financial Stability Department of Eesti...

The share of domestic bank loans in corporate financing increased
Taavi Raudsaar Economist at Eesti Pank Corporate...

The rapid growth in loans and leases to companies and households continued in August
Mari Tamm Economist at Eesti Pank The loan and...

The average interest rate on housing loans rose in July
Mari Tamm Economist at Eesti Pank The loan and...

The market for loans for residential property reflects the stabilisation of the real estate market
Mari Tamm Economist at Eesti Pank The total...

Loans and leases to companies grew in April, 7% over the year
Mari Tamm Economist at Eesti Pank Loans and leases...

The net profit of the banks fell in the first quarter of 2016
Mari Tamm Economist at Eesti Pank Growth in the...

Savings continue to grow faster than debt liabilities
Taavi Raudsaar Economist at Eesti Pank As...

The total volume of loans and leases was 6% larger in February than a year earlier
Mari Tamm Economist at Eesti Pank The volume of...

The stable growth in the loan and lease portfolio of companies and households continued at the start of the year
Mari Tamm Economist at Eesti Pank The loan and...

Low levels of investment activity are keeping credit growth moderate
Taavi Raudsaar Economist at Eesti Pank The ability...

Profitability remains good in the banking sector
Mari Tamm Economist at Eesti Pank The total volume...

As before, more funds were invested abroad or returned there than were taken in from abroad
Taavi Raudsaar Economist at Eesti Pank Relatively...

The annual growth in deposits accelerated to 10% in November
Mari Tamm Economist at Eesti Pank The loan and lease...

The annual growth in housing loans remained at 3.9% in October for the fourth consecutive month
Mari Tamm Economist at Eesti Pank The loan and lease...

The ability of Estonian companies and households to repay their loans could start to deteriorate
he risks to financial stability in Estonia have increased slightly, though they remain...

The loan and lease portfolio of Estonian companies and households continued to grow stably
Mari Tamm Economist at Eesti Pank The loan and lease...

The loan and lease portfolio of Estonian companies and households was 4.1% larger in July than a year earlier
Mari Tamm Economist at Eesti Pank The volume of loans...

The low investment activity is reflected in the slower growth of corporate debt
Taavi Raudsaar Economist at Eesti Pank The growth of...

The volume of deposits held by companies and households has increased nearly 11% over the year
Jaak Tõrs Head of the Financial Stability...

The average interest margin for housing loans rose in May
Mari Tamm Economist at Eesti Pank The total volume of...

Steady growth in the loan and lease portfolio continued in April
Mari Tamm Economist at Eesti Pank The total volume of...

The volume of housing loans continues to grow steadily
Jana Kask Deputy Head of the Financial Stability Department of Eesti...

The income and savings of households increased faster in 2014 than their debt liabilities did
Taavi Raudsaar Economist at Eesti Pank Corporate...

The quality of the loan portfolio of the banks continued to improve in February
Mari Tamm Financial Sector Policy Division of Eesti...

Eesti Pank has set three requirements for issuing housing loans
Three requirements for commercial banks issuing housing loans start to apply from this week. They...

Household deposits continued to grow strongly in January
Mari Tamm Financial Sector Policy Division of Eesti...

The need for corporate credit increased somewhat in 2014
Taavi Raudsaar Financial Sector Policy Division of Eesti...

The housing loan portfolio grew by 2.8% in 2014
Mari Tamm Financial Sector Policy Division of Eesti...

The use of debt capital for financing by companies has increased somewhat
Taavi Raudsaar Financial Sector Policy Division of Eesti...

Interest rates – frequently asked questions (FAQ)
The joint goal of the central banks of the euro area is to maintain price stability. Price stability...