Off course this has an effect on the market. Current financing conditions basicly determine 100% of the price.

All i am saying is that financing conditions on the past,for transactions that have been made years or even decades ago,have virtually zero effect on the current market.

Is it a problem that some people now get higher rates on safings then they are paying for their mortgage? And you say this is a problem,then what is your opinion about all the owners who dont pay interest at all?

Someone who build his own house and started living in it. Having no mortgage and now making 3% interest on his safings. Is this a problem for the housing market?

I would apreciate any decent response and discussion on this.