- John HasslerFölj
we are currently looking for many people for a place to stay. A record number have been admitted to the university, and the university needs to move in order to improve their job opportunities.
on the other hand, it is not possible to have a tenancy agreement. Maybe you could hire the second-or third-hand, but it is uncertain, limited, and very expensive. Borrowing to buy a home is very difficult, if not impossible, for young people who don't have rich parents, who want to enter in the skuldkontraktet.
That so many people are shut out of owning home is often said to be due to runaway house prices have made that the ”common people” will no longer be able to afford to stay in Stockholm and other metropolitan areas. The prices of homes has certainly increased dramatically, but this is not the cause of the problem. The fact is that the price of housing has increased less than the interest rates on home loans have come down.
the Reason why so many people are forced to rent expensive accommodation, or staying with her mother the rules of the government via the financial supervisory authority in place. The requirement to repay up to three percent of the amount of the loan per year, more than double what you will have to shell out for a loan each and every month. Of course, it is good to repay the principal, but not in each and every moment in your life. Inflation and wage growth means that the debt falls relative to income, even if you don't amorterar.
under Pressure from the Swedish financial supervisory authority also means that the banks will feel like they have to require to the borrowers to cope with an interest rate of seven per cent, as well as the mortgage payments, even if the buyers, the binder, the rate of interest for a long period of time. If you already own a condo with a mortgage, and begin to study at another place, you will not be able to sell it to buy a new one at the host university. This is because the låneutrymmet be calculated based on the new revenue is virtually zero, if you living off of student loans. To expensive to rent out her old apartment, in the other hand, however, is a good thing.
The rules, which are forcing young people and students for the uncertain and expensive forms of accommodation and should be phased out.
In a well-functioning market, banks would make a careful assessment of the borrower's long-term ability to pay. Loans are only given to those who can be expected to cope with them. In Sweden, this task is reduced to checking whether the borrower is complying with a set of criteria that, directly or indirectly, is set forth by the government and the financial services authority.
In practice, it is financial markets, Per Bolund, MP, and the director, Erik Thedéen, who decides who should get the credit. The banks ' task is to make a careful individual assessment, have been lost. Despite this, the banks are well paid. The difference between the lending rates and the borrowing interest rate is 1.29 per cent, according to the Swedish financial supervisory authority.
this is particularly important when it comes to a loan to the company. The Swedish banks, however, have never lost any significant amount in the Swedish retail mortgage market. Also, in the present extreme crisis, they are making a healthy profit on its loans.
the capital adequacy requirements should remain in place, but they are the rules that force young people and students for the uncertain and expensive forms of accommodation and should be phased out.
at any Time right from the start.
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