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  • 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.

  • Lending rates to businesses continues to decrease

    The lending rates decreased for all enterprise sizes in November compared to October. This means that the lending rates have now been falling for around two years.  For large enterprises, which account for around half of the total loan amount, the lending rate was 3.31 percent in November. This can be compared with the lending rate two years ago, in November 2023, when it was 5.15 percent. Tenant owners’ associations, reported as a separate size category, recorded the lowest lending rate at 2.88 percent in November.

  • Lending rates to businesses are decreasing

    The lending rate decreased or remained unchanged for all economic activities in October compared to September. The largest drop was recorded for office real estate, where the interest rate fell to 3.50 percent in October from 3.59 percent in September. For housing real estate companies, the interest rate decreased to 3.11 percent in October from 3.15 percent in September. Tenant owners’ associations faced the lowest interest rate of all economic activities at 2.89 percent in October, down from 2.91 percent in September.

  • The growth rate of lending to housing real estate companies was negative in September

    The annual growth rate of lending to the three largest economic activities declined in September compared to August. For the housing real estate companies, the growth rate was -0.8 percent, down from -0.2 percent in August. Lending to office real estate had a growth rate of 5.5 percent, a decrease from 5.9 percent the previous month. Tenant owners’ associations also declined, with a growth rate of 0.1 percent in September compared to 0.2 percent in August.