Framtidens bolånemarknad - En analys av finansieringsmodellerna hos bolånemarknadens nya aktörer
(2020) LAGF03 20201Department of Law
Faculty of Law
- Abstract (Swedish)
- Den traditionella svenska bolånemarknaden är på väg att kompletteras med nya bolånestrukturer. Sedan slutet av 2016 har nya aktörer, s.k. bostadskreditinstitut, börjat konkurrera med storbankerna om bolånekunder.
Det är Finansinspektionen (FI) som i Sverige har uppdrag att bidra till ett stabilt finansiellt system genom tillstånd- och tillsynsprövning. I grunden är FI positiva till nya finansieringsmodeller som kan bidra till en ökad konkurrens. Däremot har de nya finansieringsmodellerna aldrig prövats i ett försämrat marknadsläge.
Föremål för detta arbete är att utreda förutsättningarna vid tillstånds- och tillsyn av banker och bostadskreditinstitut på bolånemarknaden. Vidare granskar uppsatsen finansieringsmodellerna säkerställda... (More) - Den traditionella svenska bolånemarknaden är på väg att kompletteras med nya bolånestrukturer. Sedan slutet av 2016 har nya aktörer, s.k. bostadskreditinstitut, börjat konkurrera med storbankerna om bolånekunder.
Det är Finansinspektionen (FI) som i Sverige har uppdrag att bidra till ett stabilt finansiellt system genom tillstånd- och tillsynsprövning. I grunden är FI positiva till nya finansieringsmodeller som kan bidra till en ökad konkurrens. Däremot har de nya finansieringsmodellerna aldrig prövats i ett försämrat marknadsläge.
Föremål för detta arbete är att utreda förutsättningarna vid tillstånds- och tillsyn av banker och bostadskreditinstitut på bolånemarknaden. Vidare granskar uppsatsen finansieringsmodellerna säkerställda obligationer samt alternativa investeringsfonder. Utifrån ett kritiskt perspektiv besvaras följande frågor, (i) hur regleras den svenska bolånemarknaden, (ii) består den svenska bolånemarknaden av likvärdiga villkor och föranleder det att nya bolånestrukturer kan ge upphov till ökade risker för den finansiella stabiliteten.
Slutsatserna är att tillstånds- och tillsynsplikten från FI skiljer sig beroende på om det är en bank eller ett bostadskreditinstitut som finansierar bolånen.
Med anledning av att bolånemarknaden är reglerad genom det kapitalrättsliga systemet finns det ett flertal risker med de nya finansieringsmodellerna som kan påverka den finansiella stabiliteten. Med detta sagt består den svenska bolånemarknaden inte i sig av likvärdiga villkor, vilket föranleder ökade risker för den finansiella stabiliteten. (Less) - Abstract
- The traditional Swedish mortgage lending market is being supplemented by new mortgage structures. Since the end of 2016, newcomers, the so-called mortgage lenders, has started to compete with the traditional banks for mortgage customers.
In Sweden it is the Finansinspektionen (FI) mission that contributes to a stable financial system by giving institutions permits and supervision. FI takes an essentially positive view to new financing models for mortgages that could lead to greater competition. However, the new financing models have never been tested in a deteriorating market.
The purpose of this thesis is to investigate the conditions for permits and supervision of banks and mortgage lenders in the Swedish mortgage market. This... (More) - The traditional Swedish mortgage lending market is being supplemented by new mortgage structures. Since the end of 2016, newcomers, the so-called mortgage lenders, has started to compete with the traditional banks for mortgage customers.
In Sweden it is the Finansinspektionen (FI) mission that contributes to a stable financial system by giving institutions permits and supervision. FI takes an essentially positive view to new financing models for mortgages that could lead to greater competition. However, the new financing models have never been tested in a deteriorating market.
The purpose of this thesis is to investigate the conditions for permits and supervision of banks and mortgage lenders in the Swedish mortgage market. This thesis also examines the financing models of covered bonds through the covered bonds and alternative investment funds. From a critical perspective, the following issues are addressed, (i) how the Swedish mortgage market is regulated, (ii) that the Swedish mortgage market consists of fair terms and causes new mortgage loan structures to give rise to increased risks for financial stability.
This thesis concludes that FI’s permit and supervisory duty differs depending on whether it is a bank or a housing credit institution that finances the mortgage.
Due to the fact that the mortgage market is regulated by the capital law system, there are a number of risks with the new financing models that can affect financial stability. With that being said, the Swedish mortgage market does not consist of fair terms between the different institutions of banks and mortgage leanders, which can lead to increased risks for financial stability if the market goes under financial uncertainties. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/9010963
- author
- Klingberg, Julia LU
- supervisor
- organization
- course
- LAGF03 20201
- year
- 2020
- type
- M2 - Bachelor Degree
- subject
- keywords
- civilrätt, bolånemarknaden
- language
- Swedish
- id
- 9010963
- date added to LUP
- 2020-09-18 11:33:38
- date last changed
- 2020-09-18 11:33:38
@misc{9010963,
abstract = {{The traditional Swedish mortgage lending market is being supplemented by new mortgage structures. Since the end of 2016, newcomers, the so-called mortgage lenders, has started to compete with the traditional banks for mortgage customers.
In Sweden it is the Finansinspektionen (FI) mission that contributes to a stable financial system by giving institutions permits and supervision. FI takes an essentially positive view to new financing models for mortgages that could lead to greater competition. However, the new financing models have never been tested in a deteriorating market.
The purpose of this thesis is to investigate the conditions for permits and supervision of banks and mortgage lenders in the Swedish mortgage market. This thesis also examines the financing models of covered bonds through the covered bonds and alternative investment funds. From a critical perspective, the following issues are addressed, (i) how the Swedish mortgage market is regulated, (ii) that the Swedish mortgage market consists of fair terms and causes new mortgage loan structures to give rise to increased risks for financial stability.
This thesis concludes that FI’s permit and supervisory duty differs depending on whether it is a bank or a housing credit institution that finances the mortgage.
Due to the fact that the mortgage market is regulated by the capital law system, there are a number of risks with the new financing models that can affect financial stability. With that being said, the Swedish mortgage market does not consist of fair terms between the different institutions of banks and mortgage leanders, which can lead to increased risks for financial stability if the market goes under financial uncertainties.}},
author = {{Klingberg, Julia}},
language = {{swe}},
note = {{Student Paper}},
title = {{Framtidens bolånemarknad - En analys av finansieringsmodellerna hos bolånemarknadens nya aktörer}},
year = {{2020}},
}