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Vilka samband finns mellan hushållens skuldsättning och huspriser i Sverige: på lång och kort sikt?
Högskolan Väst, Institutionen för ekonomi och it.
Högskolan Väst, Institutionen för ekonomi och it.
2022 (svensk)Independent thesis Basic level (degree of Bachelor), 10 poäng / 15 hpOppgave
Abstract [en]

In this thesis, the aim is to investigate the relationship between house prices and household indebtedness in Sweden, considering both the short and long-term perspectives between 2000 and 2019. This means three major interferences on the debt- and housing market are present, more precisely two amortization requirements and the so-called mortgage ceiling and the effects they've brought.

In this thesis, the main model used is the vector autoregressive model, which gives a good insight into what the relationship between the variables looks like in both directions. To be able to use that model, and run such regressions, several tests were made to ensure the variables meet the standards required for a VAR.

Since rising house prices would most probably cause people to lend more money to be able to buy the houses, our hypothesis was that house prices should have a positive effect on household indebtedness. This was something we found the foundation for in the literature, and it was also true when we ran the regressions. House prices had a significant and positive effect on household debt, while the opposite relationship showed a far weaker connection between these variables.

Important to keep in mind when reading this thesis is that more variables could of course be included, and several other models used to investigate the relationship between house prices and household debt.

sted, utgiver, år, opplag, sider
2022. , s. 47
Emneord [en]
Vector autoregressions, house prices, household indebtedness, macroeconomic policies, Granger causality
Emneord [sv]
Vektorautoregression, huspriser, hushållens skuldsättning, makroekonomisk politik, Granger-kausalitet
HSV kategori
Identifikatorer
URN: urn:nbn:se:hv:diva-18625Lokal ID: EXC513OAI: oai:DiVA.org:hv-18625DiVA, id: diva2:1674491
Fag / kurs
Nationalekonomi
Utdanningsprogram
Mäklarekonomprogrammet, fastighet och finans
Veileder
Examiner
Tilgjengelig fra: 2022-07-13 Laget: 2022-06-22 Sist oppdatert: 2022-07-13bibliografisk kontrollert

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