Neviolina - that citizens need affordable housing, not affordable mortgages:.
Ultimately, citizens don't need affordable mortgages, but they do need affordable housing. And affordable housing depends not only on the interest rate, but also on the price per square meter. And basically, it depends on the amount of debt people have to take on.
I repeat, preferred programs have provided their recipients with extremely favorable mortgage rates, but that benefit has been largely, if not all, eaten up by rising prices. And those who were not eligible for preferential programs simply faced a drop in housing prices for themselves.