Sökning: "Debt to Income"

Visar resultat 1 - 5 av 139 uppsatser innehållade orden Debt to Income.

  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

    Kandidat-uppsats, Jönköping University/IHH, Nationalekonomi

    Författare :Emil Johansson; Jonathan Engström; [2023]
    Nyckelord :Household debt; indebtedness; Debt-to-income; Municipality Type; House Price; Condominium Price;

    Sammanfattning : 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. LÄS MER

  3. 2. A Lagom Level of Debt: Swedish household indebtedness in the 21st century

    Kandidat-uppsats, Lunds universitet/Ekonomisk-historiska institutionen

    Författare :Sebastian Krook; [2023]
    Nyckelord :household debt; debt-to-income ratio; mortgage; financial stability; Financial Accelerator; Business and Economics;

    Sammanfattning : 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. LÄS MER

  4. 3. Buy Now, Pay Later: Assessing the Financial and Behavioral Implications for Gen-Z Consumers in the USA

    Magister-uppsats, Blekinge Tekniska Högskola/Institutionen för industriell ekonomi

    Författare :Feseha Gebeyehu; Avraam Mavridis; [2023]
    Nyckelord :BNPL; Gen-Z; Impulsive spending; Overconsumption; Debt; Credit; Financial Wellbeing;

    Sammanfattning : Background: The payment methods available to consumers for online purchases have evolved over time, with options ranging from debit and credit cards to e-wallets like PayPal and Apple Pay. Among these methods, Buy Now Pay Later (BNPL) has emerged as a significant payment method alternative. LÄS MER

  5. 4. Konsekvenser av hushållens höga skuldsättning : Bostadslån ur banktjänstemäns perspektiv

    Kandidat-uppsats, KTH/Fastighetsföretagande och finansiella system

    Författare :Filippa Bothin; Filippa Fourén; [2023]
    Nyckelord :Housing Loan; Debt Ratio; Financial Stability; Household Economy; Interest Rate Sensitivity; Bostadslån; Skuldkvot; Finansiell stabilitet; Hushållsekonomi; Räntekänslighet;

    Sammanfattning : Bostadspriserna har stigit markant under de senaste åren och till följd av detta har hushållen varit tvungna att ta på sig stora skulder. Svenska hushåll tar därför ständigt större lån och fler bostadslåntagare uppvisar högre skuldkvot och belåningsgrad än tidigare. LÄS MER

  7. 5. Navigating the Waves: A Study on the Effect of Income Volatility on Household Debt Accumulation

    C-uppsats, Handelshögskolan i Stockholm/Institutionen för nationalekonomi

    Författare :Loke Sjödin; Lukas Segerberg; [2023]
    Nyckelord :Inequality; Income volatility; Gramm-Leach-Bliley Act; Financial crises; Household Debt;

    Sammanfattning : This study investigates the influence of income volatility on household borrowing behavior, contributing to the broader discussion on the relationship between inequality and the risk of financial crises. While prior studies have generally focused on permanent income inequality, we address the overlooked aspect of transitory income inequality. LÄS MER