Amorteringskravet och bolånebanker : En kvalitativ studie som analyserar bolånebankers dynamiska strategier och riskhanteringsmetoder efter införandet av det skärpta amorteringskravet

Sammanfattning: The Financial Supervisory Authority has introduced the amortization requirement in an attempt to reduce household indebtedness and prevent a speculative economy. However, the introduction of the requirement may lead to the emergence of a new banking market due to the developed rules. Its impact on banks has been in the spotlight in recent years, sparking debate over whether it poses a risk to financial stability. In such an uncertain process of change, banks' behavior and market competition can be questioned as higher demands are placed on banks. The requirement can cause recessions and a deterioration in the condition of the banks. Banks are also more vulnerable to bankruptcy. Such regulation can thus lead to less flexibility and efficiency in the banking market due to the challenges and uncertainties it creates. The reason why it became of interest to conduct a study in the subject is because of the growing criticism of the amortization requirement and the high level of indebtedness among Swedes that has gained momentum in the recent period. Therefore, the purpose of this study is to examine possible changes in the behavior of selected mortgage banks and whether higher demands are placed on risk management after the acquisition of the amortization requirement. The research is based on an abductive approach and was conducted by using a qualitative method including telephone interviews with qualified respondents. The interviews concluded that the requirement has not negatively impacted banks' financial positions, while making it more difficult for them to manage risk in order to prevent problems and future complications. This is mostly done internally using new workflows to ensure bank compliance.