Home sales across Finland are increasingly falling through not due to lack of buyers, but due to banks declining loan applications. Real estate agents report a growing trend of deals collapsing after purchase agreements are made, with bank financing proving to be the obstacle. The issue centers around banks’ assessments of property value and borrowers’ ability to repay loans, leading to stricter lending standards. This situation is affecting various types of properties nationwide, leaving both buyers and sellers in uncertainty. The core question is why banks are now refusing loans for certain homes, despite demonstrated buyer interest. Experts suggest changing economic conditions and risk assessments are driving the banks’ decisions, impacting the housing market significantly. This trend raises concerns about potential stagnation in the real estate sector.