Essays about: "Debt-to-income"

Showing result 1 - 5 of 12 essays containing the word Debt-to-income.

1. 1. Debt level heterogeneity by municipality type : A study of the differences in households' debt level based on house- and condominium prices and municipality type in Sweden

   University essay from Jönköping University/IHH, Nationalekonomi

   Author : Emil Johansson; Jonathan Engström; [2023]
   Keywords : Household debt; indebtedness; Debt-to-income; Municipality Type; House Price; Condominium Price;

   Abstract : We investigate the effects of house- and condominium prices on a household's debt-to-income based on the type of municipality. With data from 2010-2017 for all of Sweden's municipalities we use a panel data regression and find that both house- and condominium price has a significant effect on debt-to-income with control variables of age, age! and education added to the model. READ MORE

3. 2. A Lagom Level of Debt: Swedish household indebtedness in the 21st century

   University essay from Lunds universitet/Ekonomisk-historiska institutionen

   Author : Sebastian Krook; [2023]
   Keywords : household debt; debt-to-income ratio; mortgage; financial stability; Financial Accelerator; Business and Economics;

   Abstract : This thesis studies the causes of rising household and particularly mortgage debt in Sweden between 1995 and 2020. It aims to contribute to the understanding of institutional factors behind increasing debt, such as policy regulating lending. READ MORE

4. 3. The Effect of Increasing House Prices on Household Debt in Sweden

   University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

   Author : Toni Nikolic; Samuel Wingårdh; [2023]
   Keywords : Household debt; Housing debt; House prices; Mortgages; Instrumental variable;

   Abstract : By using data on house prices and household debt during the years 2010-2016 the paper aims to determine the effect of increasing house prices on housing debt and debt-to- income across Swedish municipalities. Via an IV approach we find a significant causal relationship between house prices and household debt. READ MORE

5. 4. Life And Debt : A quantitative analysis of life-changing events and over-indebtedness

   University essay from Uppsala universitet/Nationalekonomiska institutionen

   Author : Alexander Koutakis; Katja Artta; [2022]
   Keywords : over-indebtedness; indebtedness; record of non-payment; debt repayment;

   Abstract : Swedish households are borrowing like never before: the debt to income ratio, consumption loans and the amount of debt registered with the Swedish Enforcement Authority have been steadily increasing over the last decade. Meanwhile, life-changing events such as unemployment, divorce and sickness have been identified as drivers of over-indebtedness. READ MORE

6. 5. The Stability of the Mortgage Market in Sweden 2022 : How households’ debt to income has been affected by monetary policy and increasing house prices

   University essay from Jönköping University/Internationella Handelshögskolan

   Author : Jack Aras; Olof Bäck; [2022]
   Keywords : House Prices; Inflation; Debt to Income; Monetary Policy; Sweden;

   Abstract : The relationship between debt and income is an indicator in the stability for households to face certain external shocks. A large debt to income will be costly if interest rates are high. This thesis will analyze the relationship between other economic factors regarding debt to income. READ MORE