Interest Differential Compensation

The plan establishes that indebtedness weakens people's independence and that loan terms should be regulated according to our collective needs rather than financial capital's, and that the state should sharpen competition in the financial sector. Interest rate difference compensation that locks borrowers to their bank goes against both. The plan therefore supports the counter-proposal's demand for a review.

• loan terms according to collective needsdecisive»våra gemensamma behov snarare än finanskapitalets.« (party programme ↗)“our collective needs rather than financial capital's.”
• sharpened competition in the financial sector»investeringar, skärpa konkurrensen och förbättra villkoren för mindre« (party programme ↗)“investments, sharpen competition and improve conditions for smaller”
• indebtedness weakens»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
• stricter bank regulation»Tills dess behövs en hårdare reglering av bankernas« (party programme ↗)“Until then, stricter regulation of banks'”

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 points out that markets that do not function have hit ordinary households with increased costs for everything from food to banking services, and requires that unreasonable pricing is prevented. A review of banks' interest spread compensation to strengthen competition on the credit market follows from that principle. The plan however does not address the question directly.

• stop unreasonable pricingdecisive»Förhindrande av priskarteller och oskälig prissättning.« (party programme ↗)“Prevention of price cartels and unreasonable pricing.”
• households' bank costs»drabbats av ökade kostnader för allt från livsmedel till banktjänster.« (party programme ↗)“affected by increased costs for everything from food to banking services.”
• regulated market economy»sund och reglerad marknadsekonomi där privata företag kan fungera väl« (party programme ↗)“sound and regulated market economy where private enterprises can function well”

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 does not address interest rate difference compensation, but it establishes that lack of competition and private monopolies affect ordinary households and that the state has a responsibility to counteract such a development. The financial sector shall also be a driver of societal development, not a source of lock-in. A review that strengthens competition in the credit market thus aligns with the plan's principles.

• counteract lack of competitiondecisive»präglas av privata monopol och bristande konkurrens.« (party programme ↗)“characterized by private monopolies and lack of competition.”
• state market responsibility»Staten har ett ansvar att motverka en sådan utveckling.« (party programme ↗)“The state has a responsibility to counteract such a development.”
• financial sector shall serve society»Det finansiella systemet ska vara en drivkraft för samhällsutveckling« (party programme ↗)“The financial system shall be a driver of societal development”

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 election manifesto stipulates that freer markets and better competition should reduce prices for households, and the party programme sees competition as an important driving force in the market economy. Interest rate differential compensation when changing banks is precisely an obstacle to mobility in the credit market. Reviewing regulations to strengthen competition therefore aligns with the plan, which highlights housing as households' largest investment.

• freer markets reduce pricesdecisive»Genom att skapa friare marknader och förbättra konkurrensen kan vi dämpa priserna ytterligare.« (2022 manifesto ↗)“By creating freer markets and improving competition, we can further reduce prices.”
• competition as a driving force»Konkurrens är en viktig drivkraft för utvecklingen av marknadsekonomin.« (party programme ↗)“Competition is an important driving force for the development of the market economy.”
• protect household housing economics»Boendet är den största investeringen många människor gör.« (2022 manifesto ↗)“Housing is the largest investment many people make.”

The plan requires that the individual's influence over everyday contracts is strengthened through improved consumer and contract legislation and that competition legislation is strong. Interest rate difference compensation when switching banks is precisely such a contract terms issue that locks in the consumer and hinders competition on the credit market. The counter-proposal's demand for a review therefore follows from the plan.

• strengthened consumer power in contractsdecisive»Den enskildes inflytande över de avtal som ingås i vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning.« (party programme ↗)“The individual's influence over the contracts entered into in everyday life needs to be strengthened through improved consumer and contract legislation.”
• strong competition legislation»Därför behövs en stark konkurrenslagstiftning och konsumentlagar som ger rätt till korrekt produktinformation.« (party programme ↗)“Therefore strong competition legislation and consumer laws are needed that give the right to correct product information.”
• sound competition requires rules»Även den privata makten kan missbrukas. Marknadsekonomin kräver spelregler för att upprätthålla en sund konkurrens.« (party programme ↗)“Private power too can be abused. The market economy requires rules in order to maintain sound competition.”
• lock-in effects shall be countered»Bostadsmarknaden på expansiva orter präglas av inlåsningseffekter och stelhet.« (party programme ↗)“The housing market in expanding areas is characterized by lock-in effects and rigidity.”

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 demands effective competition policy that counters closed markets and disloyal competition, and emphasizes active and well-informed consumers with effective legal rules. A review of banks' interest-rate compensation upon bank switching aims precisely at lowering the thresholds for the consumer and strengthening competition on the credit market. It lies in line with the plan's market view.

• effective competition policydecisive»En effektiv konkurrenspolitik motverkar oligopol, monopol och illojal konkurrens.« (party programme ↗)“An effective competition policy prevents oligopolies, monopolies and disloyal competition.”
• the consumer's position»En fungerande marknadsekonomi kräver aktiva och välinformerade konsumenter samt effektiva rättsliga spelregler.« (party programme ↗)“A functioning market economy requires active and well-informed consumers and effective legal rules.”
• break up closed markets»Det måste ske genom att förenkla regler och förbättra konkurrensen, genom att bryta upp slutna marknader och monopol, och att förhindra otillbörligt statligt stöd.« (party programme ↗)“This must happen by simplifying rules and improving competition, by breaking up closed markets and monopolies, and by preventing improper state aid.”

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 gives the state the task of promoting competition on the markets, and a review of banks' interest difference compensation when switching banks aims to strengthen competition in the credit market. The plan also protects the economy of mortgage borrowers, including by maintaining the mortgage interest deduction. The matter is not, however, explicitly addressed, so the conclusion is derived.

• the state should promote competitiondecisive»institutioner, skydda penningvärdet, främja konkurrensen« (party programme ↗)“institutions, protect the value of money, promote competition”
• protect mortgage borrowers' economy»Behålla ränteavdraget för bolån« (2022 manifesto ↗)“Keep the mortgage interest deduction”
• strengthened household economy»Sänka skatten på investeringssparkonton (ISK) – så att du lättare kan spara till en bostad eller till pensionen« (2022 manifesto ↗)“Lower the tax on investment savings accounts (ISK) – so you can more easily save for a home or for retirement”

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 does not address interest rate differences compensation. The closest commitments are that housing costs shall be braked and that more financing forms for home buyers shall be enabled, within the framework of a regulated market economy. A review that strengthens competition in the credit market and facilitates bank switching aligns with these principles, which is why the plan weakly supports the counter-proposal's demands.

• lower housing costsdecisive»Åtgärder behöver också vidtas för att bromsa de skenande boendekostnaderna så att fler har råd till ett hem.« (2022 manifesto ↗)“Measures also need to be taken to brake the soaring housing costs so that more people can afford a home.”
• more financing options»Sverigedemokraterna vill stoppa planerna på återinförd fastighetsskatt, sänka elpriserna och möjliggöra fler finansieringsformer för unga och förstagångsköpare av bostäder.« (2022 manifesto ↗)“Sweden Democrats want to stop plans for reintroduced property tax, lower electricity prices and enable more financing forms for young and first-time home buyers.”
• regulated market economy»reglerad marknadsekonomi, byggd på långsiktigt tänkande, är för oss självklar.« (party programme ↗)“a regulated market economy, built on long-term thinking, is self-evident for us.”

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.