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  • Increased growth rate of lending to tenant-owner associations

    The annual growth rate of lending to tenant-owner associations continues to increase and amounted to 1.4 percent in April 2026. This implies that the growth rate of tenant-owner associations has been on a upward trend over the past one and a half years, since it bottomed out at −1.8 percent in September 2024. At the same time, the average interest rate on outstanding loans to tenant-owner associations was 2.90 percent in April 2026, which can be compared with the higher rate of 3.23 percent in September 2024.

  • Corporate lending rates are increasing

    Lending rates increased for all economic activities and enterprise sizes in March compared to February. Wholesale and retail trade showed the largest increase rising from 3.56 percent in February to 3.71 percent in March. After diverging from the prevailing pattern in the previous month, the lending rate in the Industry economic activity is now rising as well.

  • Modest movements in lending rates to corporations

    Lending rates increased or remained unchanged for most economic activities and enterprise sizes in February compared to January. Information and communication showed the largest increase rising from 4.43 percent in January to 4.50 percent in February. Industry was the only economic activity in which the lending rate decreased, from 3.62 percent in January to 3.59 percent in February.

  • Tenant owners’ associations choose fixed interest rates

    Tenant owners’ associations continue to choose shorter fixed-interest periods. However, 75 percent of the loan volume to Tenant owners’ associations is tied to a fixed-interest period of more than three months, and only 25 percent of the loan volume has a variable interest rate. This can be compared with recently published financial market statistics on household mortgages, which show that the proportion of mortgages with variable interest rates has exceeded 75 percent for the first time.

  • Tenant owners’ associations choose shorter interest fixation periods

    The annual growth rate for Tenant owners’ associations turned from negative to positive during 2025. In december the growth rate was 0,8 percent compared to –1,0 percent in January the same year. This is mainly due to an increase in amount with interest rate fixation period of over 1 year up to and including 3 years. Interest fixation periods of over 3 years has long held the largest volume share but it has been declining for a long time. In December 2025 interest fixation periods of over 1 year up to and including 3 years had for the first time become the fixation period that accounted for the largest volume share. For interest fixation periods up to and including three months, so called floating rate, the volume share has declined from October 2024 to August 2025 and then increased slightly toward the end of the year.