The Council applies information from a variety of data sources when assessing risks in the housing market. To obtain a simple, visual overview of various risk factors, the Council has developed a "heat map". The heat map is shown in Chart 1 and along with other relevant information it is included in the Council's assessment of whether the state of the housing market requires implementation of initiatives to counter the build-up of risk. Read more about the heat map here.

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The Council's initiatives

In March 2017 the Council issued a recommendation on limiting risky loan types at high levels of indebtedness. Prior to the decision the Council gathered comments on when to initiatives should be taken and how it should be done. The Council published a discussion paper and held a conference on the topic.