"Debater: Rules of the game are affected, and beat extra hard against the young"
"This is an opinion piece. It is the writer who stands for the views that are put forward in the text, not Against."
"the DEBATE. Today's amorteringsregler is affected and makes many young people locked out of the housing market. Now, we need more flexible regulatory framework in order not to shut out fully creditworthy young people from the housing market. It is time that the financial markets Per Bolund (MP) is launching a ungdomspaket to more young people should be able to buy their first home."
"That as a young man to be able to move out and get his own accommodation are for many an essential frihetsfråga. However, despite an increase in residential construction, there is a continued shortage of homes for young people around the country. And despite the fact that as a young man studied, got himself a job with steady job and saved up money for a down payment, the question of a home of their own, many times determined by what parents you have. "
"Skandia's latest report, ”Pay without Apartment” shows that in 13 out of 25 major cities in Sweden, a 28-year-old with a steady job, not get the mortgage loans to one regular sized one. This despite the fact that you saved up for a large enough down-payment. The outcome clearly shows that we have a non-functioning housing market. The problem is not isolated to the Swedish cities Stockholm, Gothenburg and Malmö – but young adults are also risk not to get the mortgage loans in the growing markets Halmstad, Norrköping and Växjö."
"the Reasons are obviously many, including we have during a long period have had a dramatic increase in prices in the housing market, which has led to a normal-sized ones have been significantly much more expensive than a few years ago. "
"in Addition, the Swedish financial supervisory authority, the eagerly greeted by the policy, implemented stricter amortisation requirements and introduced a mortgage ceiling. In practice, this means that a borrowers who borrow 4.5 times their annual income need to recoup the three percent and have a maximum mortgage of 85% of the value of the dwelling. As an example, it means that a 28 year old who earn 25 000 per month must repay three percent of the loan exceeds 1.35 million. And, in addition, have saved up a down payment which usually is several hundred thousand dollars."
"It is positive that the previous culture of no or very low mortgage payments on housing loans changed by the new rules, where a payment plan of 1 to 2 per cent per annum is reasonable over time. But our report indicates that the rules are affected, and beat extra hard against the young. If you as a young done ”everything right” – got a permanent job, managed to save up for a down payment, is it unreasonable that you cannot get a mortgage loan. "
"The tightening of amorteringskraven need to become more flexible and take into account borrowers' situation – not least that more young people should be able to enter the housing market. Financial markets Per Bolund need to work out a ungdomspaket to more young people with jobs should be able to buy their first home:"
"Sweden's young people need reputable and secure amorteringsregler that does not promote unnecessary debt. But today will be the young who lack medlåntagare in practice excluded from the housing market despite steady job and adequate income. It needed a ungdomspaket with the regulatory framework that allows for a greater flexibility in terms of down payment and amorteringsregler when the housing market looks like it does. "
"Johanna Cerwall, CEO of the Skandia Bank."
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