>> I'm in the highest percentiles of income in Sweden (public data is available) and it doesn't matter. It's basically impossible for me to afford a house / apartment for my family in the best neighborhoods.

How is that possible? I am an immigrant who moved to Sweden at age 22, and I bought an apartment in Malmo after 2 years of savings in the center of Malmo. I wasn't in the top percentile, didn't get help from anyone else. It was entirely my own savings within that 2 years.

Maybe you shouldn't aim for center of Stockholm for your first home purchase...