In-depth mortgage analysis: sample of new mortgages, FI survey (fab_v2)

The facts

Who files

Not stated in the instructions, which are addressed to the firms that receive FI's request. Source

How often

Not stated as a recurring collection; the 2026 request covers mortgages paid out 10 August to 20 September 2026 (weeks 33 to 38), reporting date 30 September 2026. Source

Deadline

Sample by 20 November 2026 (testing and live reporting open from 20 October 2026); in-depth questions by 15 January 2027. Source

Format

Other, Excel. The sample as a JSON file uploaded to FIDAC; the in-depth questions (Excel appendix 5) and a cover letter by encrypted email to the firm's FI contact, FI's official address or fab@fi.se. Source

How it is filed

Filing routes recorded for the FI: Reporting Portal (Rapporteringsportalen); FIDAC (Finansinspektionen Data Collection); Periodic Reporting (Periodisk rapportering, older web system); Ownership reporting system (Ägarrapportering); TRS 2 (transaction reporting system); Email and post. See how firms file with the FI.

Status

In force

Group

Credit institutions: FI surveys of household and real estate lending (national)

Templates (5)

The tables and forms inside the return. Plain name first, the FI's code in brackets.

• Household (household)
• Borrower (customer)
• Loan (loan)
• Collateral (collateral)
• In-depth questions (Bilaga 5)

Record types in the JSON schema (appendix 3) and the questionnaire (appendix 5) in FI's package. Source

Validation rules

104 rules, as counted from the FI's published material. They are written for people to read; software cannot run them as published. Source

How they are written: Excel list of rule id, message and severity.

Much of the validation runs in FIDAC and may stop a file; a file is not received until an approved file is filed.

The rules, on fi.se

Counts are in the FI's own unit, so they are not comparable with other regulators' counts.

Public data

Published only added up across firms. FI's annual mortgage report analyses a sample of borrowers who recently took a mortgage (the 2024 report used new mortgages paid out in August and September 2024) and publishes a statistical annex; no firm is named. Source

Where it is published (PDF report and Excel annex)

• The Swedish mortgage market report (Den svenska bolånemarknaden)

  Added up across firms · PDF report and Excel annex

  FI's annual report on the mortgage market, analysing a sample of borrowers who recently took a mortgage (the 2024 report used new mortgages paid out 26 August to 2 September and 23 to 30 September 2024), with a statistical annex in Excel. No firm is named. Source

Official documents (2)

The FI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

• Scheman och tekniska beskrivningar (schemas and technical descriptions)

  List of returns · HTML

  The table of every national report and survey module in FIDAC, with module version code, valid-from date and a zip of JSON schema, mapping and technical description. The anchor list for national returns in this file.

• Analys av bolån - Stickprov (zip-fil), fab_v2

  Schema · ZIP · 439.8 KB · 17 June 2026

  Bilaga 1 instructions (2026-06-17), definitions list, JSON schema, region key, in-depth questions and validation rules (Bilaga 6).

  SHA-256 8510bc05f98ashow in fullhide

  8510bc05f98a3834061fe6bf57634343d04cfbfe41db236293ff35d3904dd8ff

Sources

Every page and document this return's facts were read from.

• fi.se/sv/ansok-och-rapportera/rapportera/rapportera-i-fidac/nationell-rapportering-och-kartlaggningar/
• fi.se/contentassets/83b384a91c1f4b50b391da45e77f4444/fab_stickprov_v2.zip

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.