I have bought houses in Scotland (it’s quite different to England) and in Finland, and thought seriously about buying in Amsterdam when we lived there. Having at least a taste of the different systems and seen the U.S. problems with Freddie Mac and Fannie Mae it would be reasonable to go looking for an improved house buying and repaying system and the Danish system looks pretty good to me.

…The second feature of the Danish system is that mortgage-holders can also buy the bonds in the market and use them to redeem their mortgages. This is useful if a rise in interest rates (or a fall in house prices) causes mortgage-backed bonds to trade at a discount. Redeeming their bonds allows homeowners to reduce the amount they owe.

The comments in the Economist article are also worth looking at.

Its interesting to me as a kind of multiple expat how certain systems in countries are seen as unassailable when they can and should be updated regularly to try to improve them. Maybe they should be more like computer software?