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3 bills
- HE 190/2025 vpPassed with amendments
More flexible terms for mortgages
The maximum repayment period for home loans will be extended from 30 to 35 years, and the loan cap on home loans can be raised more flexibly during economic downturns. At the same time, more flexible terms depending on the economic cycle will be enabled for housing company loans on new residential developments.
22 Apr 2026 · 1 voteOnly vote · Dissenting opinion
156 jaa20 ei - HE 191/2026 vpIn progress
Strengthening home buyer protection
In the sale of new homes, using a construction work observer will become mandatory and a new post-inspection procedure will be laid down for remedying construction defects. In addition, the financial security of home buyers will be improved by amending the security deposit system and regulating intermediate housing agreements between rental and owner-occupied housing.
30 Sep 2026 · no votes yet - HE 64/2023 vpPassed
Lowering transfer tax and first-home exemption
Transfer tax on real estate and housing company shares will be lowered, but at the same time the tax exemption for first-time homebuyers will be abolished. The reduced tax rates will apply retroactively from 12 October 2023, and the first-time buyer tax exemption will end at the start of 2024.
12 Dec 2023 · 9 votes109 jaa66 ei