The Financial Supervisory Authority of Norway published its second-quarter 2026 report on financial institutions’ use of flexibility quotas under the lending regulations. The share of new residential mortgage loans that deviated from regulatory requirements rose slightly from the previous quarter, both in Oslo and elsewhere in Norway, driven mainly by increased deviations from the maximum debt-to-income requirement. Deviations declined slightly for consumer loans and loans secured by assets other than residential property. The regulations allow financial institutions to grant a limited proportion of loans that exceed one or more requirements, with the authority collecting quarterly data from a sample of Norwegian and foreign institutions.
2026-08-24Norwegian Finanstilsynet
Financial Supervisory Authority of Norway reports increased mortgage lending deviations in the second quarter
The Financial Supervisory Authority of Norway reported a slight quarterly increase in residential mortgage loans that deviated from lending requirements in the second quarter of 2026, mainly involving the maximum debt-to-income limit. Deviations declined slightly for consumer loans and loans secured by assets other than residential property.