Downward pressure and stability margins have been added recently by forcing people to amortize their loans, seemed to cool the market for a year or so until continuing to increase.

Loans above 70% of value needs to be amortized by 2% per year.

Loans above 50% of value needs to be amortized by 1% per year.

If your house loan is more than 4.5 times your yearly income, regardless of the percentage, then you need to amortize another 1% per year until below it.

This has of course made it even harder for young people to enter the market, but it seems to make for an overall more healthy long-term market in the current debt climate.

For many the hardest part is the by law required 15% down payment, this can be financed by private loans but that comes with it's own catches. Many instead end up relying on parents who has ridden the wave taking out a loan on their home, if you are fortunate enough to have home owning parents.