De svenska storbankerna lånar in korta pengar och lånar ut långa – det klassiska receptet för allvarliga finanskriser.

Tidigare hanterades bolånen av särskilda bolåneinstitut. De gav ut bostadsobligationer med mycket långa löptider, som svarade mot låntagarnas amorteringstider. 

På 1950-talet uppgick den återstående löptiden på bostadsobligationerna till nästan 40 år.

 Swedbank och Handelsbanken är värst, med 15,5 respektive 14,8 års löptid på tillgångarna, mot 3,7 år på skulderna.

 Gunnar Wetterberg om rapport från Riksbanken, Expressen 26 februari 2017

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