Nordea analysis shows 97% of Finnish mortgage borrowers stick with floating rates despite demand for payment certainty

• Nordea analysis flagged a mismatch in Finland’s mortgage market between demand for payment predictability and widespread use of floating-rate loans.
• About 97% of mortgage borrowers hold floating-rate loans; nearly two-thirds are linked to 12-month Euribor.
• Only about 3% have chosen fixed rates, despite research showing nearly 60% prioritize knowing monthly payments far into the future.
• Roughly 20% have interest-rate protection; about one-third have not considered it, while nearly one-third cite limited understanding.
• Survey results indicated up to one-third would now diversify rate exposure by combining floating and fixed structures.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Nordea Bank Abp published the original content used to generate this news brief on August 07, 2026, and is solely responsible for the information contained therein.