SBAB

The plan states that stronger state ownership in the financial sector shall be used to strengthen competition and keep pricing at a reasonable level, and that commonly owned enterprises can put pressure on markets with excess profits. A more active mandate for the state mortgage lender, tested return requirements and wage accounts are precisely that use of state ownership. The plan aims in the long term to democratise the entire banking sector.

• state ownership strengthens competitiondecisive»Med ett starkare ägande i finanssektorn kan staten säkra samhällsviktiga investeringar, skärpa konkurrensen och förbättra villkoren för mindre företag.« (party programme ↗)“With stronger ownership in the financial sector, the state can secure socially important investments, strengthen competition and improve conditions for smaller businesses.”
• public ownership presses prices»På marknader som präglas av övervinster eller dåliga avtalsvillkor kan gemensamt ägda företag sätta tryck genom att erbjuda bättre villkor.« (party programme ↗)“In markets characterised by excess profits or poor contract terms, commonly owned enterprises can put pressure by offering better terms.”
• democratised banking sector»På sikt bör bankväsendet i sin helhet demokratiseras.« (party programme ↗)“In the long term, the banking sector in its entirety should be democratised.”
• reasonable loan terms»Skuldsättning försvagar många människors självständighet och förhandlingsstyrka.« (party programme ↗)“Debt weakens many people's independence and bargaining power.”

The documents say nothing about the state mortgage provider, but the party programme states that regulations and institutions independent of the market are needed to maintain competition and break private monopolies, and that different forms of ownership have a place in the economy. The election manifesto's line is that society shall move forward positions and regain control over development. Using state ownership actively for price pressure on the mortgage market thus comes closest to the plan.

• break private monopoliesdecisive»kan upprätthålla konkurrensen och bryta utvecklingen mot privata monopol.« (party programme ↗)“can maintain competition and break the trend towards private monopolies.”
• society takes control»Samhället ska flytta fram positionerna för att ta tillbaka kontrollen över utvecklingen.« (2022 manifesto ↗)“Society shall move forward positions to regain control over development.”
• common ownership presses prices»Starka allmännyttiga och kooperativa företag är nödvändiga för att« (party programme ↗)“Strong public-interest and cooperative enterprises are necessary to”
• different forms of ownership»innefattar olika former av ägande« (party programme ↗)“includes different forms of ownership”

The plan states that the state in certain cases has reason to own and operate business enterprises, that such ownership shall be active and that monopoly and cartel formation shall be prevented to create functioning markets. Using the state mortgage lender more actively to press prices and increase competition is in line with this. The mortgage market is not addressed in the plan, so low certainty.

• prevent monopolydecisive»Monopol- och kartellbildningar ska motverkas för att skapa fungerande« (party programme ↗)“Monopoly and cartel formation shall be prevented to create functioning”
• active state ownership»delägare ska ägarskapet vara aktivt och inflytandet« (party programme ↗)“part-owner shall ownership be active and influence”
• state ownership can be justified»I vissa fall kan det dock finnas skäl för staten« (party programme ↗)“In certain cases, however, there may be reasons for the state”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan's principle is that public activity must not compete with purely private business and that the market economy must be free from planned economy suggestions. The counter-proposal wants to use the state mortgage institute more actively as a price pressurer, change its mandate and let it offer salary accounts, which expands the state's commercial role. The plan shares the goal of better competition, but wants to achieve it through freer markets. Therefore it rejects the requirement.

• public must not compete with privatedecisive»Offentlig verksamhet ska inte konkurrera med det rent« (party programme ↗)“Public activity must not compete with purely”
• freer markets dampen prices»Genom att skapa friare marknader och förbättra konkurrensen kan vi dämpa priserna ytterligare.« (2022 manifesto ↗)“By creating freer markets and improving competition, we can dampen prices further.”

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The party programme explicitly establishes that the state shall not own banks and that the public should only conduct business activities where there is a strong public interest. Giving the state-owned mortgage lender a broader and more active mission, including salary accounts, goes directly against that commitment. Competition shall according to the plan be secured through equal conditions, not through expanded state ownership.

• the state shall not own banksdecisive»Staten ska inte äga flygbolag, banker och telebolag.« (party programme ↗)“The state shall not own airlines, banks and telecom companies.”
• restrictive public enterprise»Det offentliga ska endast driva affärsverksamhet om det finns ett starkt samhällsintresse.« (party programme ↗)“The public shall only conduct business activities if there is a strong public interest.”
• competition on equal terms»slå vakt om äganderätt, konkurrens på lika villkor« (party programme ↗)“guard property rights, competition on equal terms”

The plan gives the state the role to supervise legislation and good ethics on the market and to conduct business policy with general means, not to use its own company as an active market instrument. To broaden the state loan-maker's assignment against price pressure and loan accounts is a targeted state intervention that lies outside that role. Competitiveness problems should according to the plan be met with competition policy.

• limited state market roledecisive»Statens roll i näringspolitiken är att övervaka att« (party programme ↗)“The state's role in business policy is to supervise that”
• general means»Näringspolitiken ska bedrivas med generella medel,« (party programme ↗)“Business policy should be conducted with general means,”
• competition policy over state ownership»effektiv konkurrenspolitik motverkar oligopol, monopol och illojal konkurrens.« (party programme ↗)“effective competition policy counteracts oligopolies, monopolies and unfair competition.”
• personal ownership»bygga på en hög grad av personligt ägande.« (party programme ↗)“be built on a high degree of personal ownership.”

The plan does not take a position on the state mortgage institute. The closest principles speak against an expanded state mandate: the state's role in the economy is to protect institutions and promote competition, a large state gives a weaker society, and the plan wants rather to reduce state ownership, as when parts of Sveaskog are to be sold. Therefore, the plan rejects the demand for a more active state company.

• limited apparatus of statedecisive»En stor stat leder till ett svagare samhälle.« (party programme ↗)“A large state leads to a weaker society.”
• the state promotes competition»skydda penningvärdet, främja konkurrensen« (party programme ↗)“protect the value of money, promote competition”
• reduced state ownership»Sälja av en större andel av statliga Sveaskogs innehav till personer med regional anknytning« (2022 manifesto ↗)“Sell a larger share of state-owned Sveaskog holdings to people with regional attachment”
• market economy as foundation»Grunden för Sveriges välstånd är en marknadsekonomi baserad« (party programme ↗)“The basis for Sweden's prosperity is a market economy based”

The plan wants to enable more financing forms for young people and first-time buyers and improve their opportunities to acquire a first home, and to facilitate financing of housing in rural areas. Using the state-owned housing lender more actively for price pressure and diversity on the mortgage market serves these goals. The party programme is also pragmatic about ownership and looks to the benefit to citizens rather than to who performs the task.

• more financing formsdecisive»Sverigedemokraterna vill stoppa planerna på återinförd fastighetsskatt, sänka elpriserna och möjliggöra fler finansieringsformer för unga och förstagångsköpare av bostäder.« (2022 manifesto ↗)“Sweden Democrats wish to stop plans for reintroduced property tax, lower electricity prices and enable more financing forms for young people and first-time home buyers.”
• young people's first home»Förbättra möjligheterna för unga att skaffa sin första bostad« (2022 manifesto ↗)“Improve opportunities for young people to acquire their first home”
• pragmatic ownership»Det viktigaste för oss är i de flesta fall inte vem som utför en specifik uppgift utan att« (party programme ↗)“The most important thing for us is in most cases not who performs a specific task but that”
• financing in rural areas»Finansiering av bostäder på landsbygden bör underlättas.« (2022 manifesto ↗)“Financing of housing in rural areas should be facilitated.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.