Intermediary Housing Tenures in Sweden: Response to an Inaccessible Market

In Sweden, high purchase prices and long queues for rentals are pushing many mid-income households out of the housing market. New intermediary tenures like shared ownership and cooperative rentals are being introduced to address these challenges. These models present opportunities, but also risks, as financial literacy remains low among target groups. Read the full report to understand how this issue is evolving and how developers are adapting to fill this gap.

In recent years, intermediary tenures have been developed in response to Sweden's increasingly inaccessible housing market. With high purchase prices and limited rental opportunities, these new models, such as shared ownership and cooperative rentals, are being explored to provide more opportunities for homeownership.

However, while intermediary tenures offer solutions, there are significant challenges, including risks for lower financial literacy among homebuyers. Developers and financial institutions must work together to ensure that these models are scalable and beneficial for target groups.

Strong financial **literacy** and **institutional support** are necessary to make these innovative models work for the average consumer. Developers in Sweden are exploring the potential of intermediary tenures to meet the needs of mid-income households, but for the market to fully embrace these solutions, further institutional backing is required.

For more detailed information, you can read the full report on [Idunn’s website](https://www.idunn.no/doi/10.18261/njus.3.1.1).