This may not be the case in Finland but in the US the vast majority of mortgage loans are pooled into investment vehicles/bonds that separate the loan & mortgag

This may not be the case in Finland but in the US the vast majority of mortgage loans are pooled into investment vehicles/bonds that separate the loan & mortgagee from the mortgagor with the day to day servicing and rehab decisions made by a third party lowest bidding servicer having incentives different from that of the bondholders. But for the intermeddling servicer the bondholders would almost certainly come out ahead by doing workouts with struggling homeowners but the servicers lack those incentives and often make money putting the loans into forced sale forclosures. 11 years ago we in the US went through this mess without learning the lessons that would have been learned had the powers that be decided to let everyone sleep in the bed they made rather than foaming bondholder runways with the bodies of mortgagors.