In 2018, new stricter amortization requirements were introduced. Simply put, this means that borrowers now have to repay more of the loan each month than before.

This makes it harder for young people with lower incomes to buy housing. While the repayment requirements have become tougher, the buyer still has to go in with a cash deposit of at least 15 percent of the price of the home, which can be difficult with small savings.

- This affects mainly young people, so the effect is that some groups are completely closed out and not able to buy. That is the biggest class question we have. If you do not come in and buy a home, it will be harder and harder to do so later, so it really divides society into two camps, says Martin Birgersson, real estate agent in Falkenberg.

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