Future design of legislation

The plan establishes that regulation of loan terms shall be based on our common needs rather than financial capital's, and that indebtedness weakens people's independence. To investigate whether interest-rate margin compensation can be eliminated at death and divorce, whether fixed-rate loans can be transferred, and whether extra amortisation can happen without fees is a direct application of that principle. The plan also gives the state a key role in ensuring it is possible to have affordable housing and studies.

• loan terms based on common needsdecisive»förhandlingsstyrka. Regleringen av lånevillkor behöver utgå från« (party programme ↗)“bargaining power. Regulation of loan terms needs to be based on”
• common needs before financial capital»våra gemensamma behov snarare än finanskapitalets.« (party programme ↗)“our common needs rather than financial capital's.”
• reduced indebtedness»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
• secure conditions for housing»nyckelroll i att se till att det går att både bo och studera med ekonomiskt trygga villkor.« (party programme ↗)“key role in ensuring it is possible to both live and study with economically secure conditions.”

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 requires that economic policy is conducted with respect for ordinary households' finances, and the party programme sees housing as a social right and emphasizes economic protection when income ceases. Investigating exceptions for deaths and divorce and strengthening consumer information are in line with that. The plan does not address interest differential compensation, so the support rests on the closest principles.

• care for household financesdecisive»Den ekonomiska politiken behöver bedrivas med stor varsamhet och respekt för vanliga hushålls ekonomi.« (2022 manifesto ↗)“Economic policy needs to be conducted with great care and respect for ordinary households' finances.”
• security when income ceases»Ett gott ekonomiskt skydd när den egna förvärvsinkomsten faller bort är grundläggande« (party programme ↗)“Good economic protection when one's own earned income ceases is fundamental”
• housing as a social right»socialdemokrater ser bostaden som en social rättighet och bostadspolitiken som en del av« (party programme ↗)“Social Democrats see housing as a social right and housing policy as part of”

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 wants strong consumer protection and to keep household debt levels down, since high private debt is a risk for the individual and the economy. Investigating abolition of compensation upon death and divorce, transferable tied loans, fee-free extra amortisation, and clearer information to consumers serve both these purposes. The plan does not directly address interest rate compensation.

• strong consumer protectiondecisive»Vi vill ha ett starkt skydd« (party programme ↗)“We want strong protection”
• lower household debt»hög privat skuldsättning är en risk för individen« (party programme ↗)“high private debt is a risk for the individual”
• counter over-indebtedness»Girighet, överskuldsättning och spekulation ska motverkas.« (party programme ↗)“Greed, over-indebtedness and speculation shall be countered.”

The plan wants to lighten the burden on mortgage holders: the enhanced amortization requirement should be abolished and the amortization requirement reviewed, since housing is households' largest investment and rising interest rates push costs up. Investigating exemptions from compensation in case of death and divorce, portable fixed-rate loans and free extra amortization point in the same direction and furthermore counteract household debt. The plan therefore supports the counter-proposal's demands.

• lighten the mortgage burdendecisive»Det förstärkta amorteringskravet — ett påtvingat sparande för dem med lägst inkomster — bör avskaffas när ränteläget nu normaliseras.« (2022 manifesto ↗)“The enhanced amortization requirement — a forced saving scheme for those with the lowest incomes — should be abolished as interest rates now normalize.”
• review of mortgage regulations»Därför vill vi se över amorteringskravet.« (2022 manifesto ↗)“Therefore we want to review the amortization requirement.”
• housing's weight for households»Boendet är den största investeringen många människor gör.« (2022 manifesto ↗)“Housing is the largest investment many people make.”
• interest rates push housing costs up»Stigande räntor leder till högre boendekostnader.« (2022 manifesto ↗)“Rising interest rates lead to higher housing costs.”

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 diagnosis is that the housing market is characterized by lock-in effects and rigidity and that mobility must increase; fee demands that make it expensive to sell when dying or divorcing are precisely such a lock-in. The plan moreover wants the individual's position in everyday contracts to be strengthened through improved consumer and contract legislation, which carries the demand for better information about what the fee could become. That extra amortization shall pay off follows from the plan's line that personal responsibility for one's own economy shall be rewarded.

• break lock-in effectsdecisive»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.”
• strengthened consumer protection in contracts»vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning.« (party programme ↗)“everyday life needs to be strengthened through improved consumer and contract legislation.”
• personal economic responsibility shall pay off»Det ska helt enkelt löna sig att ta personligt ansvar för sin egen ekonomiska framtid.« (2022 manifesto ↗)“It must simply pay to take personal responsibility for your own economic future.”
• lower thresholds for homeownership»slopa det förhöjda amorteringskravet, korta överklagandeprocesserna och fortsätta förenkla byggreglerna« (2022 manifesto ↗)“abolish the increased amortization requirement, shorten appeal processes and continue to simplify building regulations”

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 party programme requires that tax, benefit and social insurance systems taken together take family situation and maintenance responsibility into account and are perceived as fair by citizens, which concerns exactly death and divorce. The plan moreover wants household saving to be kept high, which speaks for not disadvantaging extra amortization, and requires well-developed consumer information. Investigating exceptions and clearer information therefore follows from the plan.

• consideration for family situationdecisive»Skatte-, bidrags- och socialförsäkringssystemen ska sammantaget ta hänsyn till familjesituationen och försörjningsansvaret samt upplevas som rimligt av medborgaren.« (party programme ↗)“Tax, benefit and social insurance systems shall taken together take family situation and maintenance responsibility into account and be perceived as fair by the citizen.”
• high household saving»Sparandet i den svenska ekonomin måste hållas högt genom hushållssparande och genom återhållsamhet i de offentliga utgifterna.« (party programme ↗)“Saving in the Swedish economy must be kept high through household saving and through economy in public spending.”
• strong consumer information»En väl utbyggd konsumentinformation är nödvändig.« (party programme ↗)“Well-developed consumer information is necessary.”
• support during family crisis»För att stödja familjestabilitet ska familjerådgivning finnas och vara lättillgänglig.« (party programme ↗)“To support family stability, family counseling shall exist and be easily accessible.”

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 values households' control over their own economy and states that families with children's finances should not be devastated by housing costs and that the housing market must function. Investigating relief on repayment at death and divorce, transferable fixed-rate loans and better consumer information reduces such economic shocks and increases mobility. The plan therefore supports the demand, while maintaining contractual freedom which the committee leans on.

• functioning housing marketdecisive»En fungerande bostadsmarknad är en förutsättning för ökad tillväxt.« (2022 manifesto ↗)“A functioning housing market is a prerequisite for increased growth.”
• protection of households' housing economy»Pensionärer ska inte tvingas att flytta från sina hus på ålderns höst för att fastighetsskatten har återinförts och barnfamiljers ekonomi ska inte slås sönder av avskaffade ränteavdrag.« (2022 manifesto ↗)“Pensioners should not be forced to move from their homes in old age because property tax has been reintroduced and families with children's finances should not be devastated by abolished interest deductions.”
• control over own economy»att ha kontroll över sin egen ekonomi är en av de viktigaste« (party programme ↗)“having control over one's own economy is one of the most important”
• contractual freedom»på enskilt ägande och avtalsfrihet« (party programme ↗)“on individual ownership and contractual freedom”

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 states that it should be easier to move or change housing when needed and that measures are needed to curb soaring housing costs. The party programme requires policy to support families, which speaks for relief specifically at death and divorce. An investigation into abolished compensation in these cases, transferable tied loans, and extra amortization without fees therefore aligns with the plan.

• mobility in the housing marketdecisive»Det ska vara enklare att kunna flytta eller byta bostad vid behov.« (2022 manifesto ↗)“It should be easier to be able to move or change housing when needed.”
• dampened housing costs»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 curb the soaring housing costs so that more people can afford a home.”
• support families»är att stötta familjerna utan att inkräkta på deras handlingsfrihet« (party programme ↗)“is to support families without infringing on their freedom of action”
• lower thresholds for home purchase»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 to reintroduce property tax, lower electricity prices, and enable more financing options for young people and first-time homebuyers.”

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.