eiguhúsnæðisviðfangssetningu
Eiguhúsnæðisviðfangssetningu, often translated as "homeownership affordability challenges," refers to the difficulties individuals and families face in acquiring and maintaining ownership of a home. This complex issue is influenced by a variety of economic and social factors. Key among these is the relationship between income levels and housing prices. When housing costs rise significantly faster than wages, a gap emerges, making it harder for potential buyers to save for down payments and afford mortgage payments.
Several contributing factors exacerbate this problem. Limited housing supply, particularly in desirable urban areas, can drive