In a statement on Tuesday, Riksbank Governor Erik Thedeen highlighted that amortisation requirements and mortgage caps in Sweden have bolstered household resilience and benefited the economy. Thedeen mentioned that despite the high level of debt and short fixed interest rate periods increasing vulnerability, the combination of these regulations along with banks' credit assessments has enhanced the ability of households and the Swedish economy to manage inflation and interest rate fluctuations.
A government-appointed commission proposed easing regulations on mortgage borrowing and repayment in Sweden, aiming to facilitate entry into the housing market for new buyers. Financial Markets Minister Niklas Wykman disclosed that a decision on adjusting mortgage rules would be made by the government in the first half of 2025.