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Skuldkvotstak oc h dess påverkan på den svenska bostadsmarknaden
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management, Building and Real Estate Economics.
2018 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Debt-to-income limi ts and its effect on the Swedish housing market (English)
Abstract [sv]

I takt med de låga bolåneräntorna och de skenande bostadspriserna i Sverige har skuldsättningen och skuldkvoten i de svenska hushållen ökat markant de senaste åren. Då en högt skuldsatt befolkning utgör en risk vid en makroekonomisk störning har Finansinspektionen, i syfte för att bromsa denna utveckling, tagit fram finanspolitiska regleringar som belåningsgrad och amorteringskrav. Ännu en finanspolitisk reglering, i form av ett skuldkvotstak, diskuteras om det ska lagstadgas för att fortsätta bromsa den svenska skuldsättningen.  Med hjälp av kvalitativa undersökningar i form av fem semistrukturerade intervjuer och analys av finansiella rapporter från myndigheter ämnar denna uppsats att undersöka hur ett lagstadgat skuldkvotstak skulle påverka den svenska bostadsmarknaden samt hur den praktiska påverkan skiljer sig från den teoretiska.  Uppsatsens slutsats är att ett lagstadgat skuldkvotstak inte kommer påverka bostadsmarknaden så markant. En viss minskning i efterfrågan kommer antagligen att ske, men då bankerna redan idag har starka regleringar kommer ytterligare en reglering inte ha en så signifikant påverkan på bostadsmarknaden. Då Stockholm har en högre andel bostadsrätter än Göteborg och Malmö kommer minskningen i pris-, transaktions-, och byggmarknaden med stor sannolikhet vara större i Stockholm.  Denna studie bidrar till ny och ökad kunskap genom att tillhandahålla djupare förståelse kring effekterna av ett lagstadgat skuldkvotstak på den svenska bostadsmarknaden. 

Abstract [en]

In line with the low mortgage rates and the high housing prices in Sweden, debt and debt ratios in Swedish households have increased rapidly in recent years. Since a highly indebted population poses a risk in the situation of a macroeconomic disturbance, the Financial Supervisory Authority has developed fiscal regulations such as loan ratios and amortization requirements, in aim of slowing down the development of the risk. In addition, another fiscal regulation, the debt-to-income limit, is being discussed as to whether or not it should be established to continue the process of slowing down the Swedish debts.  Through qualitative approach in the form of five semi-structured interviews and analysis of financial reports from authorities, this paper aims at investigating how a statutory debt-to-income limit would affect the Swedish housing market and how the practical impact differs from the theoretical. The conclusion is that a statutory debt-to-income limit does not affect the housing market so significantly. A certain decrease in demand is likely to happen, but since the banks already have strong regulations, further regulation will not have such a significant impact on the housing market. Since Stockholm has a higher proportion of condominiums than Gothenburg and Malmö, the effects on the price, transaction, and construction market will with great probability be larger in Stockholm. This study contributes to a new knowledge by providing a deeper understanding on how a statutory debt-to-income limit would affect the Swedish housing market.

Place, publisher, year, edition, pages
2018. , p. 52
Series
TRITA-ABE-MBT ; 18182
Keywords [en]
Debt-to-income limit, housing market
Keywords [sv]
Skuldkvotstak, bostadsmarknaden
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-231800OAI: oai:DiVA.org:kth-231800DiVA, id: diva2:1230020
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Examiners
Available from: 2018-07-02 Created: 2018-07-02 Last updated: 2018-07-02Bibliographically approved

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CiteExportLink to record
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Citation style
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