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Hur skuldkvoten påverkas av förändringar i reporäntan och bostadspriserna
University West, School of Business, Economics and IT, Divison of Law, Economics, Statistics and Politics.
University West, School of Business, Economics and IT, Divison of Law, Economics, Statistics and Politics.
2018 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Denna studie analyserar och undersöker hur skuldkvoten påverkats av olika makroekonomiska faktorer där huvudfokus ligger på bostadspriser och reporäntan. Då bostadspriserna under de senaste åren stigit extremt mycket och räntan legat på en historiskt låg nivå anser vi att detta ämne är intressant och spännande.

Vi har valt att undersöka detta genom att både göra ett litteraturstudie och en ekonometriskt tidsserieanalys från år 1997 fram till 2017 i Sverige. Vi har även valt att undersöka om faktorer såsom finansiell sparkvot och inflation också haft ett samband med den växande skuldkvoten.

Utifrån våra studier har vi har funnit att bostadspriserna har haft den största påverkan på skuldkvoten, med det menas att den ökade skuldkvoten har skett på grund av att bostadspriserna har stigit rejält de senaste åren.

Abstract [en]

This study analyzes and investigates how the debt ratio has been affected by various macroeconomic factors, with the main focus being on housing prices and official bank rate. Since housing prices have risen extremely much in recent years and interest rates have been at an historically low level, we consider this subject to be interesting and exciting.

We have chosen to investigate this by doing both a literature study and an econometric time series analysis from 1997 to 2017 in Sweden. We have also investigated whether factors such as financial savings and inflation also had a connection to the growing debt ratio.

Based on our studies, we have found that housing prices have had the largest impact on the debt ratio. The increased debt ratio has been affected by the sharply risen housing prices in the recent years.

Place, publisher, year, edition, pages
2018. , p. 41
Keywords [sv]
Skuld, makroekonomi, bostadspriser
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-12608Local ID: NAX500OAI: oai:DiVA.org:hv-12608DiVA, id: diva2:1229316
Subject / course
Nationalekonomi
Educational program
Mäklarekonom
Supervisors
Examiners
Available from: 2018-06-29 Created: 2018-06-29 Last updated: 2018-06-29Bibliographically approved

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