In Sweden, long queues to rental housing and high purchase prices on the ownership market increasingly exclude alsomid-income households without larger savings. This has prompted some housing developers to introduce intermediary tenures that have the potential to open up the housing market to a wider layer of the population. Among thesemodels, there are intermediary tenures of a longer standing which are deemed to have potential for up-scaling. Theaim of this paper is to analyse two shared ownership and two cooperative rental models from legal and economicperspectives to see to what extent, and subject to what risks, these models add to housing opportunities of the targetgroups. In doing so, we connect to the European literature on intermediary housing tenures and theories on institutions and property rights The study implies that the concepts have the potential to scale up and reach larger targetgroups but that access to buildable land, stable financial solutions, and continued institutionalization of the conceptsare essential. The concepts are largely based on existing tenures with existing legislation, potentially providing a saferand more predictable setting. However, financial literacy among buyers is limited, which is calls for attention andcontinued intense information work by developers.
QC 20240328