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Inför amorteringskravet: En studie om hushållens amorteringsbeteende
Luleå University of Technology, Department of Business Administration, Technology and Social Sciences.
Luleå University of Technology, Department of Business Administration, Technology and Social Sciences.
2016 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

De svenska hushållen har blivit högt skuldsatta under de senaste decennierna vilket har lett till att regeringen beslutat att införa ett amorteringskrav vilket träddei kraftfrån och med1 Juni 2016. I denna uppsats undersöks hushållens nuvarande amorteringsbeteende och huruvidaamorteringskravet eventuellt kan komma att få någraeffekter på de svenska hushållen och deras privatekonomi. Tidigare forskningharvisat att flera olika variabler påverkar hur hushållen väljer att amortera på sinabostadslån. Uppsatsen baseras på en enkätundersökning om amorteringsbeteende, som genomförtspå Luleå Tekniska Universitet, samt att information rörande amorteringsbeteendesomhämtas från tidigare forskning. Genom att analysera resultat från enkätstudien, granskas det hur resultaten från den genomförda enkätstudien stämmeröverens med tidigare forskning. Uppsatsens resultat tyder på flertalet av de tillfrågade hushållen skulle tvingas göra högre amorteringar ifall deras nuvarande bostadslån skulle omfattas av amorteringskravet.

Abstract [en]

Swedish households have become heavily indebted in recent decades and the government has decided to introduce an amortization requirement that will came into force 1 June 2016. This paper examines households’ current repayment behavior and whether the amortization requirement possibly will have an impact on Swedish households and their personal finances. Previous research has shown that several variables affect how households choose to amortize their mortgage. The essay is based on a survey of repayment behavior, which has been implementedatLuleå University of Technology,and information concerningthe repayment behavior retrieved from previous research. By analyzing the results of the questionnaire study this essay will examine how the variables from previous researches are consistent survey of the study population. Thesis results suggest that the majority of the surveyed households would be forced to make higher repayments if their current loan would be subject to repayment requirement.

Place, publisher, year, edition, pages
2016.
National Category
Economics
Identifiers
URN: urn:nbn:se:ltu:diva-59499OAI: oai:DiVA.org:ltu-59499DiVA, id: diva2:1032942
Educational program
Economics, bachelor's level
Supervisors
Examiners
Available from: 2016-10-10 Created: 2016-10-05 Last updated: 2016-10-10Bibliographically approved

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