Essays about: "debt-to-income ratio"

Showing result 1 - 5 of 8 essays containing the words debt-to-income ratio.

1. 1. 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

3. 2. 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

4. 3. 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

5. 4. Swedish Household Debt: Macroeconomic determinants of the household debt-to-income ratio

   University essay from Göteborgs universitet/Graduate School

   Author : Fabian Lundbäck; Johan Martinsson; [2016-09-09]
   Keywords : Household debt-to-income; Life-cycle permanent income hypothesis; Cointegration; Vector autoregressive model; Error correction model;

   Abstract : This paper describes how the rise in Swedish households’ debt-to-income ratio (DTIR) over the last 30 years can be explained based on macroeconomic implications. In particular, cointegrating relations are analysed based on a specified vector autoregressive (VAR) model, due to spurious estimations from the general OLS-regression. READ MORE

6. 5. FPI in Sweden - An economic approach to Swedish housing prices in 1996-2014

   University essay from Göteborgs universitet/Institutionen för nationalekonomi med statistik

   Author : Viktor Albihn; Hans Backefeldt; [2016-06-28]
   Keywords : ;

   Abstract : Swedish house prices have increased substantially in recent years and this paper investigates, using OLS, if the key drivers for housing prices are the same across the nation, or if there are any regional differences. The variables used are household income, household debt to income ratio, mortgage interest rate, population in the nation, the number of housing units in the nation and inflation. READ MORE