The chart above was extracted from a nice article from Statistics Finland. The article start with a sentence that put the tone on a very important subject: indebted household due to large housing mortgage.
"During a decade, household-dwelling units’ debts have gone up by clearly more than their income."
Also, you will notice that the debt level among the 30-39 years old is at an alarming level and has been rising steadily without any disruption since at least 2000 - the 2008 crisis had only a minor impact, just slowing the progress, not stopping it.
What to think? well clearly we at unsustainable level where any shock could weaken the financial situation of household - especially those who are counting on an ever increasing housing price or on low interest rates.