De svenska hushållen och boendeutgifternas utveckling - En scenariobaserad approach
(2013) NEKH01 20131Department of Economics
- Abstract
- This essay makes an attempt to answer whether the mean Swedish household is vulnerable to changes in economic variables. This is made with a simplified version of housing expenditure relative to the household’s disposable income which creates a quota. First a history review is made which helps clarify the reasons of this quota moving in certain directions. The history lesson also provides important knowledge on the matter when the households started facing problems with paying their debt, which was seen during the financial breakdown in the early nineties. Today, 2013, this quota is far below the levels that were seen before the financial bubble burst 1991. To find out when the households will face problems with paying their bills five... (More)
- This essay makes an attempt to answer whether the mean Swedish household is vulnerable to changes in economic variables. This is made with a simplified version of housing expenditure relative to the household’s disposable income which creates a quota. First a history review is made which helps clarify the reasons of this quota moving in certain directions. The history lesson also provides important knowledge on the matter when the households started facing problems with paying their debt, which was seen during the financial breakdown in the early nineties. Today, 2013, this quota is far below the levels that were seen before the financial bubble burst 1991. To find out when the households will face problems with paying their bills five scenarios were calculated. The following scenarios were calculated; increased interest rates, tax deduction abolished, household income decreased, the limit for real estate tax abolished and an amortization requirement. What was seen was that no scenario brought up the quota to levels which was seen before the bubble burst 1991. However, with additional information about the cost of living, the risk of households canceling their payments may arrive far sooner than was seen before. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/3815065
- author
- Ahlgren, David LU
- supervisor
- organization
- course
- NEKH01 20131
- year
- 2013
- type
- M2 - Bachelor Degree
- subject
- keywords
- Housing prices, disposible income, scenarios, economics
- language
- Swedish
- id
- 3815065
- date added to LUP
- 2013-06-20 10:25:31
- date last changed
- 2013-06-20 10:25:31
@misc{3815065, abstract = {{This essay makes an attempt to answer whether the mean Swedish household is vulnerable to changes in economic variables. This is made with a simplified version of housing expenditure relative to the household’s disposable income which creates a quota. First a history review is made which helps clarify the reasons of this quota moving in certain directions. The history lesson also provides important knowledge on the matter when the households started facing problems with paying their debt, which was seen during the financial breakdown in the early nineties. Today, 2013, this quota is far below the levels that were seen before the financial bubble burst 1991. To find out when the households will face problems with paying their bills five scenarios were calculated. The following scenarios were calculated; increased interest rates, tax deduction abolished, household income decreased, the limit for real estate tax abolished and an amortization requirement. What was seen was that no scenario brought up the quota to levels which was seen before the bubble burst 1991. However, with additional information about the cost of living, the risk of households canceling their payments may arrive far sooner than was seen before.}}, author = {{Ahlgren, David}}, language = {{swe}}, note = {{Student Paper}}, title = {{De svenska hushållen och boendeutgifternas utveckling - En scenariobaserad approach}}, year = {{2013}}, }