En Suecia se lían la manta a la cabeza y suben el máximo de endeudamiento de 85% al 90% de nuevo. Y por qué no 100%? O mejor 120% y metes las tetas, los labios de silicona y las vacaciones de esquí en St Moritz!
No nos dejan soñar!
SEK 150,000 lower cash deposit for a one-bedroom apartment in the inner city
https://www.mitti.se/nyheter/150-000-kronor-lagre-kontantinsats-for-en-etta-i-innerstan-6.3.348893.ca35db2508
Entering the housing market as a young person is not easy – especially not in Stockholm, where housing prices are the highest in the country. The government therefore wants to abolish the stricter amortization requirement and raise the mortgage ceiling from 85 to 90 percent, which would mean around SEK 150,000 less in cash for an average one-bedroom apartment in the inner city.
However, inner-city resident Ellen Crona does not believe she is ready to buy a home regardless of what the rules look like.
– Actually, it might be a good idea to buy, but I don't yet know where I'll live in the future so I'll have to wait.
However, she believes that the change could affect the housing market.
– I think this could cause prices to rise further, even on the secondary market.
My friend Laura Lundström got help from her parents to buy an apartment.
– Spontaneously, I think it sounds good that young people need to save less, even though there is still a lot of money needed. But the fact that it is still a little easier is positive, she says.
Laura and Ellen believe there may be benefits to the new rules.Hector Bergman
Easier first-time purchases
Peter Englund is professor emeritus of economics and the man behind the government's investigation into the mortgage ceiling.
– The positive thing is that people can borrow more. This makes it easier for those with little capital to enter the housing market. The difficulty of borrowing is shutting people out and making it tougher for first-time buyers, he says.
Growing families
However, Viktor Bjälkenfalk, real estate agent at LF real estate agency, is not sure that the changes will produce the desired outcome.
– When it becomes easier to borrow, prices may go up, which may defeat the purpose a little.
This could lead to us having the same problem again.
The government's proposal also mentions that it will be easier for growing families to move to larger homes. Viktor Bjälkenfalk, who mainly sells homes in Gärdet and Östermalm, has already noticed that effect.
– Many have bought larger apartments but do not want to move in before April 1st, in order to take advantage of the new conditions.
Marvin believes that the change risks becoming a temporary solution.Hector Bergman
Are there risks?
Marvin, who studies at the Stockholm School of Economics, sees both advantages and disadvantages of the change.
– It's good that you don't have to save as long before buying a home. The problem is that prices risk going up. The question is which of the two factors weighs more heavily. It could lead to us having the same problem again and it being only a temporary solution.
Economist Peter Englund also points to risks.
– The higher your debt, the more sensitive you are if you are committed to fixed expenses in the form of interest payments.