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Showing result 1 - 5 of 38 essays matching the above criteria.

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. Unemployment and Household Debt - A Practical Example

   University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

   Author : Elias Bayat; Daniel Appelgren; [2023]
   Keywords : Unemployment; Household debt; Labor market; Debt overhang; OECD;

   Abstract : In the previous literature, a theoretical correlation has been established in between household indebtedness and the unemployment rate. This study uses several forms of regressions and OECD data on the years 1995 - 2021 to see if this correlation exists in practice. READ MORE

5. 4. Heterogeneity in demand for credit payment protection insurance

   University essay from Umeå universitet/Nationalekonomi

   Author : Ella Meriläinen; [2023]
   Keywords : ;

   Abstract : Household indebtedness has increased remarkably around the world in the last two decades (IMF, 2023) e.g., in Finland, where households borrow more, but also end up with economic difficulties where they cannot afford to amortize their loans (Tilastokeskus, 2023). READ MORE

6. 5. 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