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Amorteringskravets initiala effekter på bostadsmarknaden
Linköping University, Department of Management and Engineering, Economics.
Linköping University, Department of Management and Engineering, Economics.
2017 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
The Swedish Amortization Requirement’s Initial Effects on the Housing Market (English)
Abstract [sv]

I juni 2016 införde Finansinspektionen, i samtycke med regeringen, ett amorteringskrav för nya bolån med avsikten att minska de svenska hushållens skuldsättning. Syftet med uppsatsen är att analysera den effekt amorteringskravet har haft på bostadspriser inom den svenska marknaden för bostadsrätter. Detta har genomförts med en ekonometrisk modell, samt med stöd av nationalekonomisk teori och tidigare forskning. Studien har fokuserat på förändringen i bostadspriser för bostadsrätter i Sveriges tre största kommuner, Stockholm, Göteborg och Malmö. Resultatet visar på en statistiskt och ekonomiskt signifikant negativ effekt av amorteringskravet i Stockholms kommun medan resultatet för de två övriga kommunerna inte går att statistiskt säkerställa. Vidare visar uppsatsen att de faktorer som bestämmer bostadspriser går i en riktning som påverkar priserna positivt och begränsar amorteringskravets effekt på bostadspriser.

Abstract [en]

On June 1, 2016, the Swedish Financial Supervisory (Finansinspektionen), in agreement with the Swedish government, imposed an amortization requirement for new housing loans with the intention of reducing the households’ indebtedness. The purpose of this paper is to analyze the effect of the amortization requirement on housing prices in the Swedish housing market. This has been executed using an econometric model and with the support of economic theory and previous research. The study has focused on the change in housing prices in condominiums in Sweden’s three largest municipalities, Stockholm, Göteborg and Malmö. The result shows a statistically and economically significant negative effect of the amortization requirement in the municipality of Stockholm, while results for the other two municipalities fail to show statistical significance. Furthermore, this paper shows that factors determining housing prices have developed in a way that positively affects housing prices and limits the effect that the amortization requirement have on housing prices.

Place, publisher, year, edition, pages
2017. , p. 52
Keywords [en]
Swedish amortization requirement, housing market
Keywords [sv]
Amorteringskrav, bostadsmarknaden
National Category
Economics
Identifiers
URN: urn:nbn:se:liu:diva-141200ISRN: LIU-IEI-FIL-G--17/01694--SEOAI: oai:DiVA.org:liu-141200DiVA, id: diva2:1144565
Subject / course
Bachelor Thesis in Economics
Supervisors
Available from: 2017-10-02 Created: 2017-09-26 Last updated: 2017-10-02Bibliographically approved

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CiteExportLink to record
Permanent link

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Cite
Citation style
  • apa
  • ieee
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Output format
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