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Finns det ett samband mellan den svenska hushållens skuldkvot och de svenska bostadspriserna?: Har det eventuella sambandet förändrats av finanskrisen 2008
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 [sv]

I denna artikel kommer vi att undersöka om det finns en stark eller någon form av samband mellan de svenska hushållens skulder och bostadspriserna. Vi undersöker även om finanskrisen 2008 påverkade denna möjliga korrelation. Vi använder Meng et all. (2011) -modell som visar sambandet mellan faktorer som kan påverka hushållens lån och hushållens skuld. Vi använder även tidsserieregression för att undersöka den relativa vikten av varje faktor på skuldkvoten under perioden 1988 - 2018.

Resultatet av uppsatsen visade oss att bostadspriserna, som var en av våra oberoende variabler, hade en stark korrelation till hushållens skulder. Vi kan hänvisa detta resultat till tidigare artiklar som har undersökt liknande ämnen och variabler som vi har och säga att vi slutade med liknande resultat som dem. Den finansiella krisen påverkade skuldkvoten i den utsträckning som hushållen lånade högre för att ha råd med bostadspriser under tiden på kort sikt efter krisen.

Abstract [en]

In this paper we will investigate if there is a strong or any link between the Swedish households' debts and the house prices. Further we'll also investigate if the Financial crisis in 2008 had an impact on this possible correlation. We use Meng et all. (2011) model that shows the correlation between factors that can affect household loans and household debt. We also use time series regression to investigate the relative importance of each factor on the debt ratio during the time between 1988 – 2018.

The result of the paper showed us that the housing prices which was one of our independent variables hade a strong correlation to the household debts. We can refer this result to previous papers that has investigate similar topics and variables as we have and say that we ended up with similar result as them. The Financial crisis affected the debt ratio to the extent that households borrowed higher to afford housing prices during the time on short term after the crisis.

Place, publisher, year, edition, pages
2019. , p. 48
Keywords [en]
Swedish household debts, debt ratio, housing prices, interest rates, financial crisis
Keywords [sv]
Svenska hushållsskulder, skuldkvot, bostadspriser, räntor, finanskrisen
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-14697Local ID: EXC513OAI: oai:DiVA.org:hv-14697DiVA, id: diva2:1369609
Subject / course
Nationalekonomi
Educational program
Mäklarekonomprogrammet, fastighet och finans
Supervisors
Examiners
Available from: 2019-11-18 Created: 2019-11-12 Last updated: 2019-11-18Bibliographically approved

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