Administrative register data for Norwegian households are used to analyse the distribution of debt and assets by income, wealth and age group. We find that the cross-sectional distribution is skewed. The distribution of debt across age has changed over time, with more of the debt being held by...

Artikkelen presenterer utviklingen i etterspørsel etter kreditt og kredittpraksis fra norske banker siden 2008, slik de er representert i Norges Banks utlånsundersøkelse. Norske banker har rapportert om en betydelig innstramming i kredittpraksis i denne perioden. Norges Banks...

Debt-servicing capacity is a function of both available cash flow and the size of obligatory expenses. We use household level information to calculate normal expenses that cover food, other general consumption, electricity and fixed housing expences, as well as interest expenses. We link this to...

On average, Norwegian households are highly indebted and their wealth is concentrated in housing. Changes in income, interest rates or house prices may cause significant adjustments in saving and consumption. This paper uses administrative register data on income and wealth to derive measures of...

Net lending varies considerably over time and contributed to lower household saving prior to both the banking crisis and Global Financial Crisis (GFC), but to higher household saving during the pandemic. Net lending is defined as transactions in financial assets, such as bank deposits and...

This paper presents a suite of models developed to stress-test financial stability. A macro model is linked to micro data-based models for households, firms and banks. The macro model includes credit- and consumer confidence-driven house prices and feed-back effects from credit and house prices...

In Norway the wage replacement rate, i.e. the proportion of wage income that is replaced by unemployment benefit, falls with high income. At the same time, the distribution of debt is skewed towards high-income earners. This paper maps out the wage replacement rate across Norwegian households...