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Short-term effects on indebtedness of the amortization requirement
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economics.
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economics.
2018 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

This thesis investigates the effects of the Swedish amortization requirement (Prop. 2015/16:89) on household indebtedness, which was enacted in order to lower household indebtedness. This thesis aims to measure the short term effects of this requirement. The study was conducted using an Ordinary Least Square regression to estimate the effects of the amortization requirement. The findings indicate that the requirement has had little effect in changing the upwards trend of household indebtedness, which is the main goal of the requirement as proposed by Finansinspektionen. This suggests a failure in the attempt to stymie the trend. This study cannot (and does not try to) determine the reason why Finansinspektionen’s intervention seemingly has not been successful. However, potential causes such as refinancing and the weakness of the requirement is discussed.

Place, publisher, year, edition, pages
2018.
Keywords [en]
Amortization, Household indebtedness, Loans, Finansinspektionen.
National Category
Economics
Identifiers
URN: urn:nbn:se:uu:diva-355446OAI: oai:DiVA.org:uu-355446DiVA, id: diva2:1229020
Supervisors
Examiners
Available from: 2018-06-29 Created: 2018-06-29 Last updated: 2018-06-29Bibliographically approved

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Citation style
  • apa
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