Differentiate good and bad debt

Kreditrestriktionerna has had a major impact and contribute greatly to a third of the market for new production will disappear in just two years. The combined effect of the requirement of a 15 percent down payment, stringent requirements on the loans greater than 4.5 times the annual income and the banks ' well-proportioned kalkylräntor closes literally the door of a private home for many.

interest rates will remain low for a long time and it is unlikely that a recession will be combined with strong increases in interest rates. Although it requires banks to bolånetagaren to cope with interest rates of 7-8 per cent – even the one that binds their loans.

just Over 20 per cent more in the age group of 25-35 years would have the opportunity to buy a new one if it enhanced amorteringskravet be abolished and the banks ' requirements on the interest rates adjusted down to more realistic five per cent.

Primarily affected young adults who have moved to the strong labour market regions and women, who wish to separate. Regleringsivern has led to only two out of ten persons living alone aged 25-35 years afford to buy a new one in Stockholm. In Gothenburg's central parts are closed nine out of ten out there. Our analysis shows that just over 20 per cent more in the age group would have the opportunity to buy a new one if it enhanced amorteringskravet be abolished and the banks ' requirements on the interest rates adjusted down to more realistic five per cent. It is not a negligible proportion.

the Rapid growth, combined with low interest rates and rising real incomes, has led to rising housing prices and increasing indebtedness. But expectations of price and interest rates are reasonable, hushållssparandet high, and credit sound with good repayment capacity of the borrowers. Means, then, face rising debts a real problem for the national economy?

the Possible gains with reduction in net debt is offset by increased public costs: When demand is held back brakes also new. The stockholm Chamber of commerce has shown that the housing shortage is costing the Stockholm region sek 100 million a day. Therefore, requires the Swedish construction federation, a political review of how kreditrestriktionerna affect both housing construction, as young home buyers.

As Erik Thedéen, we hope, on the great reforms of the rental market and changes to the tax treatment of housing that increase mobility. But the one who is forced to stay in second place for over 10,000 dollars a month, because you do not get loans for a condominium that would cost 8.000 sek including mortgage payments, cannot afford to wait. The lack of a housing policy for anyone who does not have contacts, queuing and equity is a generationssvek against thousands of young adults.