Regulatory Alerts2015-01-01 | FIN-FSA Regulations and guidelines 3/2015Calculation of maximum loan-to-value ratio
The Finnish Financial Supervisory Authority (FIN-FSA) issued Regulations and guidelines 3/2015 to establish the methodology for calculating the maximum loan-to-value ratio, which became effective on 1 July 2016. The regulations were amended effective 1 July 2023 to extend their scope of application to include certain credit providers and credit intermediaries. These rules form part of the broader regulatory framework governing risk management and conduct of business within the Finnish financial sector.
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