The analysis will be published in our annual publication "Financial stability", which will be issued on 12 May. The analysis exclusively considers effects on interest costs without incorporating the mortgageable values. The higher the homeowners' incomes, the lower their interest burden, i.e. interest expenses as a ratio of gross income.
On the other hand, the groups with the highest incomes have a larger proportion of adjustable-rate loans. Despite the variations in the debt composition of the different groups, the calculations show that the interest-rate exposure is more or less identical for all income groups.