In recent years, the rate of inflation in Finland has in fact been among the lowest in the whole EU. The GDP growth in Finland has fluctuated more or less in tandem with the GDP growth of the euro area, but the average rate of growth has been about one percentage point higher in Finland than in the euro area.
The QM definition may also affect lenders’ ability to charge for the risks of originating loans to borrowers who are more likely to default. For example, lenders might compensate for this risk by charging a higher interest rate on the loan.