Essays about: "Households’ debt growth"

Showing result 1 - 5 of 6 essays containing the words Households’ debt growth.

  1. 1. Exploring the Swedish Credit Market Ecosystem : A study of loan intermediaries’ contribution to a more efficient consumer credit market

    University essay from KTH/Fastighetsföretagande och finansiella system

    Author : Emil Danielsson; Sofia Nork; [2023]
    Keywords : Credit market; consumer credit; ecosystem; financial intermediaries; loan intermediaries; Kreditmarknad; konsumentkrediter; ekosystem; finansiella intermediärer; låneförmedlare;

    Abstract : A long period of low interest rates, economic growth and a booming housing market hasresulted in an increase in the debt level of Swedish households. New digital ways of providingfinancial services are changing the traditional banking world and are often praised for beingefficient and inclusive. READ MORE

  3. 2. Navigating the Waves: A Study on the Effect of Income Volatility on Household Debt Accumulation

    University essay from Handelshögskolan i Stockholm/Institutionen för nationalekonomi

    Author : Loke Sjödin; Lukas Segerberg; [2023]
    Keywords : Inequality; Income volatility; Gramm-Leach-Bliley Act; Financial crises; Household Debt;

    Abstract : This study investigates the influence of income volatility on household borrowing behavior, contributing to the broader discussion on the relationship between inequality and the risk of financial crises. While prior studies have generally focused on permanent income inequality, we address the overlooked aspect of transitory income inequality. READ MORE

  4. 3. 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

  5. 4. Could confidence predict households’ debt growth?

    University essay from Luleå tekniska universitet/Institutionen för ekonomi, teknik och samhälle

    Author : Alexander Hübbert; Linda Lindström; [2019]
    Keywords : Consumer Confidence Index; Gross Domestic Product; Unemployment; Repo rate; Households’ debt growth; Konsumentförtroendeindex; Bruttonationalprodukt; Arbetslöshet; reporäntan; hushållens skuldtillväxt;

    Abstract : This thesis analyses if households’ confidence could be a significant variable to predicthouseholds’ debt growth in Sweden. Households’ debts have an important role in thefinancial system where the vulnerability of households’ debts has increased over time. READ MORE

  6. 5. Amortization- What happens?

    University essay from Lunds universitet/Nationalekonomiska institutionen

    Author : Agnes Norberg; [2018]
    Keywords : Amortization; Loan-to-Income ratio; Finansinspektionen; KALP; Business and Economics;

    Abstract : Abstract The amortization requirement stipulates that all new mortgages will be amortized in the interval between 50-70 per cent of the residence value; an additional, stricter, amortization applies if the mortgage exceeds 450 per cent of the individual´s gross annual income. The stricter amortization requirement is brand new, implemented the 1st of March 2018. READ MORE