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Amorteringskravet: En effektiv åtgärd på skuldkvoten och på prisutvecklingen av bostadsrätter i Göteborg?
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.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

This paper examines the effect of the amortization requirement on housing prices and it’s change after the introduction. The timeframe for the study is from 2005 to 2018. We are also interested in debt in households which has a crucial part in the housing market. The essay is based on apartments and therefore is limited to the area in Gothenburg. The discussion regarding the amortization requirement have been an interesting subject for quite some time. Many options have been discussed back and forth about what specific measures that needed to be taken to prevent an overheating of the Swedish housing market. Yet, one of the measures was the amortization requirement that was introduced in 2016. The legislation forced the consumer to amortize a specific percentage per year of the mortgage. The requirement was introduced to adjust the debt of households, yet to prevent a housing market which was potentially on its way to being overheated. Due to the intense price increase on households that we have had in Sweden the last couple of years, it is now interesting to examine the virtual effect of the requirement on the housing market. This essay examines the virtual effect by managing an OLS-model and using a multiple regression with crucial and relevant data as a basis. This takes forms with substantial explanatory variables with a following of the amortization requirement as a dummy variable. The conclusion of the study states that the housing prices will have a pattern of price increase both due to the amortization requirement and debt in households. This is the consequence of the introduction of the requirement as wells as the impact of other substantial factors. The essential factors that was mentioned before that affects the house prices was more clear to sum up than the debt in households. It’s hard to draw a specific conclusion on what the specific factor is that influence the real cause. The only common factor was the interest rate and the time or trend.

Abstract [sv]

Denna uppsats undersöker effekten av amorteringskravet som infördes 2016 på bostadsmarknaden och förändringen efter införandet. Vi är också intresserade av hur skuldkvoten hos hushållen har påverkats av amorteringskravet. Uppsatsen avgränsar sig till bostadsrätter i Göteborg. Det har varit heta diskussioner kring amorteringskravet sedan en tid tillbaka. Det har varit stora diskussioner kring vilka åtgärder som bör tas för att lugna den våldsamt stigande bostadsbubblan. En av diskussionerna ledde fram till amorteringskravet som infördes 2016. Amorteringskravet innebär att låntagarna är tvungna till att amortera en viss procent av lånet varje år. Syftet med amorteringskravets införande var att minska hushållens skuldsättning och bromsa prisutvecklingen på marknaden. På grund av de stigande priserna på bostadsrätter i Göteborg är det intressant att undersöka den verkliga effekten av amorteringskravet. Denna uppsats undersöker effekten av amorteringskravet med hjälp av en ekonomisk modell och multipel regression med datainsamling som grund. Modellen utformar en beroende variabel följd av icke-beroende variabler där amorteringskravet är satt som en dummyvariabel. Slutsatsen av analysen tyder på att priserna på bostadsrätter i Göteborg fortsätter att öka trots införandet av amorteringskravet och att skuldkvoten i hushållen är ett svårartat fenomen där den mest essentiella faktorn har varit reporäntan och tiden i sig. Det har använts flera olika variabler för att besvara frågeställningen och det har varit lättare att förklara prisutvecklingen än skuldkvoten hos hushållen.

Place, publisher, year, edition, pages
2019. , p. 40
Keywords [en]
Amortization requirements, debt ratio, price development
Keywords [sv]
Amorteringskravet, skuldkvot, prisutveckling
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-14191Local ID: EXC513OAI: oai:DiVA.org:hv-14191DiVA, id: diva2:1338858
Subject / course
Nationalekonomi
Educational program
Mäklarekonom
Supervisors
Examiners
Available from: 2019-07-25 Created: 2019-07-24 Last updated: 2019-07-25Bibliographically approved

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