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Svenska retailbankers kreditbedömning vid bostadskrediter till konsumenter
KTH, School of Architecture and the Built Environment (ABE), Real Estate and Construction Management.
2015 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Swedish retail banks credit assessment of housing loans to consumers (English)
Abstract [sv]

Denna uppsats behandlar hur de svenska retailbankerna gör sina

kreditbedömningar vid bolåneansökningar för privatpersoner med fokus på

kalkylerna. Då bolån är något som de flesta tar någon gång under sin livstid är

det intressant att se om kreditbedömningar skiljer sig och om

tillsynsmyndigheten Finansinspektion kan se några problem med hur bankerna

utför dessa.

Uppsatsen är av explorativ karaktär, där fältexperiment genomförts för att

försöka visa hur kalkylerna är utformade och skulle kunna påverka en kund som

ansöker om bolån. Studien har utformats efter en fiktiv person som ansöker om

lånelöfte på de fyra svenska storbankerna.

Studien visar att det är en del skillnader på hur kalkylerna är utformade på de

olika bankerna. På en av bankerna skulle den fiktiva kundens ansökan om bolån

inte ens ha mottagits med de värden som användes vid ansökningstillfället. Det

visar på vikten av att konsumenterna är väl insatta för att veta hur de på bästa

sätt kan få sin ansökan beviljad.

Abstract [en]

This paper discusses how Swedish retail banks make their credit assessments in

mortgage applications for individuals with a focus on the calculations. When the

mortgage is something that most people need at some time in their lifetime, it is

interesting to see whether these assessments are different and if the regulator

Finansinspektionen can see some flaws with the way banks perform them.

The essay is an exploratory study, where a case study has been conducted to try

to show how the estimates are designed and how they could affect a consumer

who applies for a mortgage. This has been designed for a fictitious person

applying for the loan commitment of the four major banks in Sweden.

The study shows that there are some differences in how the calculations are

designed in various banks. On one of the banks the application for the fictitious

customer would not even been received with the values used in the application.

It demonstrates the importance of a well-informed customer, to know how they

best get their application approved.

Place, publisher, year, edition, pages
2015.
Keyword [en]
Mortgage, credit assessment, Swedish retailbanks
Keyword [sv]
Bolån, kreditgivning, svenska retailbanker
National Category
Engineering and Technology
Identifiers
URN: urn:nbn:se:kth:diva-171930Archive number: 311OAI: oai:DiVA.org:kth-171930DiVA: diva2:844870
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Examiners
Available from: 2015-08-10 Created: 2015-08-10 Last updated: 2015-08-10Bibliographically approved

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