Skandia has produced data on all of their bolåntagare under 30 who have a medlåntagare who are at least 18 years older – that is to say, in all likelihood, a parent.

In the middle of 2016, when the first amorteringskravet was introduced, it was 15 per cent of the young people who had the help of such a medlångtagare. Today it is almost one in four – 23.5 per cent – which it has.

less players on the market for home loans. The question then is how representative of their material to the whole market.

“I find it hard to see why it would be a big difference between us and the other in the context of this issue,” says ceo Johanna Cerwall.

“I have also spoken with others who confirms the picture,” she adds.

the Skandia report ”Pay without apartment”. It showed that it was in principle impossible for a 28-year-old with for the age of the average salary to get a home loan in 13 of the 25 examined cities. This also applies to the two most expensive regions, Stockholm and Storgöteborg. Another survey by the Swedbank showed that it was possible to get loans into a smaller apartment outside of central city areas with a monthly salary of 20.000–30.000 sek provided that the purchaser could add from 100.000–300.000 in the down-payment.

Link to the graphics

” we have gradually tightened the regulatory framework, concerning both down-payment and around the repayments. The last requirement came on top of everything else, “says Cerwall

– And it is a requirement that hits relatively hard against those who are new on the market and which does not have as high a salary,” she adds.

, boendeekonom at SBAB, said that more and more parents will participate as financiers in the young people’s home purchases, in particular in Stockholm. The increase began in connection with the requirement of down-payment was introduced.

“I would say that the change began already in 2010 and then has increased gradually,” says Claudia Wörmann.

the Fsa is pointing to statistics, and the claim that the proportion of young borrowers do not have been reduced.

” I do not doubt at all the statistics. But we want to point out to the borrowers who are young to a greater extent has a parent who medlåntagare, ” says Johanna Cerwall.

– Which means that it also becomes an increase in segregation between those who have a parent who has the ability to set up and they don’t have that, ” she adds.

of the Orio Group on behalf of the SBAB has 220 broker asked if it has become more common that the parents are co-sponsors at the first bostadsköpet.

In Stockholm, sweden responds to 50 percent that it is more common today than a year ago. In Gothenburg, sweden responds to 46 per cent that it has become more common, and in Malmö the figure is 33 per cent. Claudia Wörmann connect the situation to the availability of rental properties and a longer price, generally outside the capital. She shares the brokers ‘ picture of the change in the last year.

“It has absolutely increased with the new amorteringskravet,” she says.

which was introduced on 1 march in the year means that an individual who borrow more than 4.5 times their annual income must repay 3% of the loan amount.

Low interest rates and rising house prices have made it possible for certain groups to help the children to get into the housing market.

” What is interesting is to see what it is that has the opportunity to get help. Where will the money come from? The parents might even be able to borrow on their existing accommodation. It is in light of the fact that prices have risen at their parents ‘places,” says Claudia Wörmann.

specifies that it is not quite as common outside the capital.

– It is in Stockholm, it is the worst. It is not so much to choose from. The alternative is a very expensive andrahandslägenhet, ” says Claudia Wörmann.

Johanna Cerwall calls for a greater flexibility in the amorteringskraven, that banks should be able to make exceptions. But it’s not enough – she also calls for greater grip from the politicians.

“We need a broad and long-term solutions for the whole of the housing market,” she says.

” It is remarkable that almost every fourth young person must have with mom or dad when they lend to their first accommodation.