Drawdowns of new housing loans by households in Finland during April totalled about 1.9 billion euros, which is 482 million euros more than the same month last year, according to the Bank of Finland.
Finland's stock of housing loans at the end of April amounted to 104 billion euros, with a loan stock growth rate of four percent, according to the central bank.
The average mortgage interest rate stood at 0.82 percent at the end of April, with household loans accounting for 16.5 billion euros in consumer credit and 17.4 billion euros in other loans.
The bank said that nearly one fifth of household consumer credit issued by credit institutions consisted of loans for vehicle purchases.
Out of the overall consumer loans, vehicle loans amounted to 3 billion euros, bank and credit card loans reached about 4 billion euros, and more than 9 billion euros in other consumer loans, according to the bank.
In December, the central bank reported that mortgages hit a record high, with average interest rates on new loans falling to a record low of 0.69 percent.
At the beginning of last month, the bank noted that the growing debt of Finnish households posed a threat to the country's ability to deal with future economic crises.