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Ett subventione rat bosparande för unga
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
2018 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
A subsidized sa ving system for youths (English)
Abstract [sv]

Den svenska bostadsmarknaden har de senaste åren haft en växande trend och trycket påbostäder har under en längre period varit högt. Priserna har stadigt ökat, framför allt iStockholmsregionen. Flera faktorer har medverkat till de stigande bostadspriserna och allt flerregleringar har införts för att dämpa prisutvecklingen. Dessa regleringar har satt högre krav påbolånetagare och det är numera svårare att få ett bostadslån beviljat med statens och bankernasnya kriterier. Redan innan införandet av mer utvidgade regleringar var möjligheten förungdomar att ta sig in på bostadsmarknaden svår. De nya regleringarna har försvårat situationenytterligare då de främst omfattar nya låntagare, vilket i många fall är ungdomar som vill köpasin första bostad.I en jämförelse mellan Sverige och Norge avseende den yngre målgruppen visar statistik på attfler unga äger sitt boende i Norge jämfört med i Sverige. Vid en närmare analys av de olikamarknaderna finns flertalet anledningar till varför statistiken skiljer sig åt. Den utmärkande ochhögst intressanta skillnaden är att det i Norge finns ett speciellt utformat bosparsystem,Boligsparing for ungdom, för just ungdomar med avsikt att främja bosparande hos unga.I detta arbete har en mer ingående analys gjorts av det norska Boligsparing for ungdom ochvidare undersökning på hur den svenska bostadsmarknaden, inriktat på den yngre målgruppen,skulle komma att påverkas genoms ett införande av motsvarande bosparssystem i Sverige.Dessutom har en analys gjorts över hur ungas möjlighet att finansiera en bostad kan komma attförändras genom att införa ett subventionerat bosparsystem. Vidare innehåller arbetet hur densvenska bostadsmarknaden kan bli mer lättillgänglig för unga och vilka åtgärder som behövsför att ungdomar ska få möjlighet att välja den boendeform de vill ha.

Abstract [en]

The Swedish housing market has grown during the past few years and the demand for propertieshas been high for quite some time. The prices have steadily increased, especially in theStockholm region. Several factors have contributed to the increased house prices andregulations have been introduced to dampen price developments. These regulations have puthigher demands on mortgage lenders. And it is now more difficult to get a mortgage loangranted with the new criteria set by the state and the banks. Even before the introduction ofmore extended regulations, youths’ possibility to enter the housing market was difficult. Theopportunity for youths has been further aggravated as a result of the regulations that mainlytarget new lenders, which in many cases are young adults wanting to buy their first property.In a comparison between Sweden and Norway regarding youths’ ability to enter the housingmarket, statistics show that more young adults have bought their own properties by a youngerage in Norway than in Sweden. When analyzing the countries’ different housing markets, wehave found several reasons for the statistics to differ. One distinct and very interestingdifference is that there is a specially developed saving system for youths in Norway calledBoligsparing for ungdom, with the intention of promoting youths’ saving.In this study, a closer analysis has been made of the Norwegian saving system and furtherinvestigation into how the Swedish housing market, targeting youths, would be affected by theintroduction of the corresponding saving system in Sweden. In addition, an analysis has beenmade regarding if Swedish youths’ opportunity to finance a housing will be affected byintroducing a subsidized saving system. Furthermore, this study will focus on how the Swedishhousing market could become more accessible to young adults and needed measures to enableyouths to choose the type of housing they want.

Place, publisher, year, edition, pages
2018. , p. 38
Series
TRITA-ABE-MBT ; 18159
Keywords [en]
Housing market, saving system, subsidized saving
Keywords [sv]
Bostadsmarknad, Bosparsystem, Subventionerat sparande
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-231796OAI: oai:DiVA.org:kth-231796DiVA, id: diva2:1230017
External cooperation
Stena Fastigheter
Supervisors
Examiners
Available from: 2018-07-02 Created: 2018-07-02 Last updated: 2018-07-02Bibliographically approved

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