Amorteringskravet needed in a location where household debt run riot away on the basis of a degenerate housing market. Therefore, we agree with the Swedish financial supervisory authority director-general, when he writes that it is not the stricter requirements of the mortgage market, which shut out the young from the housing market – the basic problem is the high housing prices and that it is built for get rental apartments with reasonable rents.
Amorteringskravet reduce the debt. It is common to pay off their debts. But the most crucial is to de-escalate the ränteavdragen.
They will mainly benefit those with high incomes and has contributed to increasing household debt to excessive levels. And they are a gold mine for the banks. We are one of the countries in the world where people have belånat out the most. On the basis of ränteavdragen risk many with mortgages that do not understand or have control over their real hushållsutgifter and can live over their assets.
We would like to see other measures taken previously to dampen household indebtedness and price but now it is the current situation we have to deal with. When the phase-out of ränteavdragen will in place, we believe it is reasonable to take away the heightened amorteringskravet and the light on the ceiling on mortgages. But right now there is a need stricter amorteringskravet for financial stability, and if we want to avoid that people are living beyond their means.
Household debt has at a possible crash potential to put the entire financial stability of the sway. In such a mode is needed are politicians who will take responsibility for Sweden's economy.
FI's director-general in the article up to the criticism against amorteringskravet. He writes that the thesis is that ACCESS contributed to the other hand, lower house prices, partly to shut out the young from the housing market, and that it is FI's responsibility of housing construction is decreasing.
The criticism comes, among other things, from economic interests that have benefited from the prices ever pulley up. But they don't seem to care about the common people at the same time belånar up over the ears.
another is that we want to introduce a state second mortgage to finance the construction of rental properties. We also want to establish a state construction companies to squeeze costs, increase competition and expand the investeringsstöden with a focus on building rental apartments with reasonable rents as a young and ordinary people afford to live in. When the housing is now decreasing, politics must take the responsibility to build the homes needed.
We do not want the banks to take out excess profits on ordinary people's mortgages. Therefore, we want to introduce a new model of bank customer negotiations on bostadsräntan with a similar model that is available in Finland. Puts the mortgage rates as a mark-up on the internbankräntan. The interest rate on a loan of 2 million is expected to reduce with the 14,800 sek in a year, or approximately 1,200 per month with our proposal.
But over-reliance on the market to solve the housing crisis must come to an end. The left party argues instead that the housing crisis and household debt must be met with political responsibility.