The following Banking & Finance practice note produced in partnership with Roschier provides comprehensive and up to date legal information covering:
The activity in the Finnish corporate loan markets has remained rather steady throughout the last decade. However, the market has been relatively active during 2019, with an on-going increase in the value of corporate loans as well as the overall size of the loan market. The overall sentiment on the markets is generally depicted as borrower-friendly. Certain financing structures (such as SSRCF+senior notes deals) that were earlier seen mainly in connection with English law governed documentation have also increasingly been implemented in deals governed by Finnish law. Industrial, scientific and technical as well as real estate finance have proportionally been the most active sectors of the loan market.
The Finnish bond markets experienced an active year in 2018 with a 29% increase in total value compared to the previous year. However, the overall growth rate in the bond markets is slowing down.
An electronic register for housing company units has been implemented in Finland and the new legislation entered into force in the beginning of 2019. The objective of the
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Mortgagee’s consent to grant of leaseIf a property is subject to a mortgage that prohibits leasing without the mortgagee’s consent, then written evidence of consent must be obtained prior to completion of the lease. On the grant of an underlease, mortgagee’s consent in respect of any mortgage over
Sentencing fraud offences committed by individualsThe Sentencing Council (SC) has produced sentencing guidelines for fraud offences under the Fraud Act 2006 (fraud by false representation, fraud by failing to disclose information and fraud by abuse of position), false accounting under section 17 of
Tort—the different types of tortThis Practice Note identifies the main torts (bar negligence and nuisance, which are covered elsewhere in our related content) and their key characteristics. Specifically:•trespass to land•trespass to the person•privacy/defamation•liability for animals•employers'
Negligence—when is the duty of care breached?Having established that a duty of care exists (see Practice Note: Negligence—when does a duty of care arise?), it is then necessary to consider whether or not there has been a breach of that duty. This will depend on a number of factors outlined below and
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