According to the Tenants' Association, the proposal to introduce a state-subsidized housing loan, for the part needed for the cash contribution, is not the right way to go.
- It's a patch on a broken bone.
The basic problem in this is the high housing prices and if you want to do something about the thresholds into the housing market, there is really only one way - to build away the shortage with the help of rental apartments that people can afford to live in. In a balanced housing market, also housing prices stabilize and adapt to people's incomes.
But there are no shortcuts to it, says Martin Hofverberg, chief economist at the Tenants' Association.
The tenants' association has stated in an earlier report that countries that have introduced similar systems are driving up housing prices.
- We have looked at Australia, Norway, Great Britain and Canada that have this type of system.
The common thread you can see through these systems is that it raises prices.
If you put more money in people's pockets in the housing market, prices rise - it sounds logical, but it is also so, and then you can aggravate the problem.
"It is not possible to subsidize a market at auction"
Do you see any possibility of improving the housing shortage with the help of condominiums?
- It is very difficult to subsidize a market where the price is put up for auction, then prices tend to rise.
The only market where we can put more money in and get a different result is the rental market because prices are not set in a market but in a negotiation system.
Then you can put rents after a cost and say - you get money to build rental apartments and then it will be conditional on the rent being lower.
Part of the appointed inquiry has also reviewed whether so-called favorable savings, but chose not to proceed with proposals, something that the Tenants' Association welcomes.
- What we can see is that it is aimed at those groups who still have the means and opportunity to save for an effort.
The distribution of such a subsidy will be quite skewed, as it benefits those who already have, Hofverberg states.
Hear Martin Hofverberg about how they think the housing shortage should be solved in the clip above.