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Vilka effekter har jämförelsesidor givit för konkurrensen på bolånemarknaden: Nationalekonomisk kandidatuppsats
Luleå University of Technology, Department of Business Administration, Technology and Social Sciences.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

After the financial crisis, several comparison websites have emerged for private lenders to enable comparison on mortgage terms. The idea behind the comparison pages is that they should be used by the private borrower. On June 1, 2015, a new directive emerged from the Swedish Financial Supervisory Authority to the credit institutes that instead of the list interest, the average interest rate that the lenders offer their customers should be the one published, in order to further increase the transparency of the price. The purpose of this study is to investigate whether competition in the mortgage market has improved after the introduction of the comparison websites and the effects of the increased price transparency. In order to investigate the competition on the mortgage market, the theory of market forms and the Herfindahl-Hirschman Index has been applied. The result of the study shows that the concentration of competition has increased over time. This study also shows that the comparison pages have contributed to increased price transparency that has contributed to consumers information about the market. This study is limited to the Swedish mortgage market. 

Abstract [sv]

Efter finanskrisen har flertalet jämförelsesidor uppkommit för att möjliggöra jämförelser av räntor och villkor på bolån. Jämförelsesidor ska förenkla processen att jämföra de olika långivarna. Den 1 juni 2015 kom ett nytt direktiv från finansinspektionen till långivarna att istället för listräntan ska den genomsnittliga räntan som långivarna ger sina kunder vara den som publiceras, för att öka pristransparensen ytterligare. Denna studies syfte är att undersöka hur konkurrensen på bolånemarknaden har förändrats efter jämförelsesidornas tillkomst med HHI-index och konkurrensteori. Teori om marknadsformer och Herfindahl-Hirschman Index att tillämpas för att undersöka konkurrensen. Resultatet av studien visar att koncentrationen av konkurrensen har ökat över tid. Denna studie visar även att jämförelsesidorna har bidragit med ökad pristransparens som har bidragit till konsumenternas information om marknaden. Studien är avgränsad till den svenska bolånemarknaden.

Place, publisher, year, edition, pages
2019. , p. 42
Keywords [en]
ortgages, Competition, Herfindahl-Hirschman Index, Comparative pages, Cartel, Market forms
Keywords [sv]
Bolån, Konkurrens, Herfindahl-Hirschman Index, Jämförelsesidor, Kartell, Marknadsformer
National Category
Social Sciences
Identifiers
URN: urn:nbn:se:ltu:diva-76614OAI: oai:DiVA.org:ltu-76614DiVA, id: diva2:1367717
Educational program
Business and Economics, bachelor's level
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Available from: 2019-11-19 Created: 2019-11-04 Last updated: 2019-11-19Bibliographically approved

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CiteExportLink to record
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