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De svenska hushållen och boendeutgifternas utveckling - En scenariobaserad approach

Ahlgren, David LU (2013) NEKH01 20131
Department 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)
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author
Ahlgren, David LU
supervisor
organization
course
NEKH01 20131
year
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},
  keyword      = {Housing prices,disposible income,scenarios,economics},
  language     = {swe},
  note         = {Student Paper},
  title        = {De svenska hushållen och boendeutgifternas utveckling - En scenariobaserad approach},
  year         = {2013},
}