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Household Indebtedness in the Small House Market: Regional Sensitivity Analysis of Sweden
Jönköping University, Jönköping International Business School, JIBS, Economics.
Jönköping University, Jönköping International Business School, JIBS, Economics.
2007 (English)Independent thesis Basic level (degree of Bachelor), 10 points / 15 hpStudent thesis
Abstract [en]

Recently the small house market has been extensively discussed by the market participants and media. Whether the small house owners afford to occupy their current house due to any market changes, especially after the Central Bank announced an increase in the interest rate during 2007.

The purpose of this thesis is to analyse Sweden’s future economic development from a small house owner perspective and also to examine all the municipalities in the Sweden. The regional analysis is implemented in order to find the most sensitive municipalities in regard to any market changes. In the analysis, ratios have been used for describing the municipalities’ indebtedness and their ability of mortgage repayment.

Interesting findings show that the most sensitive municipalities are situated in Skåne, implying that this region is the most sensitive to market fluctuations. There where also a strong indication of summer vacation resorts being highly sensitive, and these resorts where in addition located in Skåne. Furthermore, the future state of Sweden’s economy has an additional uncertainty due to new regulations by the newly elected government. The core conclusion is that statistics confirms that Skåne region is the most sensitive region, and this may escalate to reach national level.

Abstract [sv]

Småhusmarknaden har på senare tid uppmärksammats av marknadsintressenter och media. Sedan Riksbanken uttalat sig om en planerad ränteökning under 2007 har heta diskussioner om huruvida småhusägarna har råd att bo kvar i deras befintliga hus, om den förväntade marknadsförändring äger rum.

Denna uppsats har i syfte att undersöka Sveriges framtida ekonomi från småhusägarnas perspektiv, genom att analysera alla kommuner i Sverige. Den regionala analysen består av en känslighets analys som beskriver den kommunala skuldsättningen, och deras förmåga att betala tillbaka sina huslån.

Intressanta resultat visar att Skåneregionen har de känsligaste kommunerna i Sverige. Detta innebär att denna region är mest utsatt för en eventuell marknadsförändring. Dessutom starka indikationer om att semesterorter har hög känslighet. Även dessa kommuner var lokaliserade i Skåneregionen. Sveriges framtid är ovis på grund av nya lagar som är införda av den nytillträda regeringen. Resultaten visar dock att region Skåne är känsligast och att detta i sin tur skulle kunna leda till en nationell kris.

Place, publisher, year, edition, pages
2007.
National Category
Economics and Business
Identifiers
URN: urn:nbn:se:hj:diva-997OAI: oai:DiVA.org:hj-997DiVA, id: diva2:4760
Uppsok
samhälle/juridik
Supervisors
Available from: 2007-10-10 Created: 2007-10-10

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CiteExportLink to record
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