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Financing and Housing Market Analysis Post-Crisis: Insights from the Nordic Housing Meeting

This document reviews the outcomes and discussions held at the Nordisktbostadsmöte in Karlskrona from August 26 to 28, 2009, focusing on the impact of the financial crisis on Iceland's housing market. It includes historical data on unemployment and housing availability from 1985 to 2008, index changes, and restructuring of loans to aid borrowers. Key aspects discussed include the adaptations required for mortgage market stability, implications for building companies, and the future rental and housing landscape in response to ongoing challenges.

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Financing and Housing Market Analysis Post-Crisis: Insights from the Nordic Housing Meeting

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  1. Nordisktbostadsmöte Karlskrona 26. – 28. august 2009

  2. Finanskrisen på Island

  3. Index fra 2000 til 2009

  4. Arbejdslöshet

  5. Boliger pr. år fra ‘85 til ‘08

  6. Færdige boliger pr. 1000 beboere

  7. Prisutvikling for boliger

  8. Forandringer hos Íbúðalánasjóður

  9. Almindlige lånetaker • Endrin af terminforfall • Forlengelse af lånets löpetid • Frysing av lån • Omgjöring av gjeld til lån • Foranding av index (imidlertidlig) • Betalingsavtale op til 18 månader • Længere frister för andre gangs varsel • Længere frister för tvangsalg • Utleije etter auksjon

  10. Forfallt gjeld i forhold til lån

  11. Frysing av lån

  12. Boliger, antal/ökning etter auksjon

  13. Bygningsselskaper og leieselskaper

  14. Bygningsselskaper • Endrin af terminforfall • Forlengelse af lånets löpetid • Flytting av lån • Frysing av lån • Længere frister för andre gangs varsel • Længere frister för tvangsalg

  15. Leieselskaper • Endrin af terminforfall • Forlengelse af lånets löpetid • Frysing av lån • Længere frister för andre gangs varsel • Længere frister för tvangsalg • Utleije etter auksjon • Nye lån til resturering av boliger

  16. Fremtiden...

  17. Hvad ligger foran oss... • Vi må • Være fleksible • Ha klare mål – kortsigtigt • Konstant revurdering • Ny marked for leieboliger fra staten? • EU?

  18. Lånemarkeden Figures from banks are not avaliable for the period 01-09-2008 Source: Central Bank of Iceland and HFF

  19. Íbúðalánasjóður, banker, pensjonsfonder • The market share of HFF is 53% if mortgage backed securities (loan agreements of ISK 106 billion) which where acquired from the banking sector in 2004 and 2005 are included. • The banking sector’s market share is 34% and the pension funds is with 13% share. *Currency linked loans from banks are not included. Source: Central Bank of Iceland and HFF

  20. The Mortgage Market – Competitive Position *Banks are not included since 01-09-08 Source: Central Bank of Iceland and HFF

  21. Asset Quality – Geographical Distribution

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