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"housing prices are all time high."

This is not a good thing and I'm not sure why you seem to think it is. You talk about happiness - one way to help the "happiness quotient" is affordable housing.

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It's true that all time housing prices is not a good thing. But low interest rates helps keep the Swedish housing bubble growing. Low interest rates encourages people to invest big but when the interest rates go back up people risk getting in financial trouble.

That would answer my question about the availability of loans: there is too much money available. Sounds like Sweden is going to join the rest of us in the Twenty-first Century soon.

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