Kreditgivningsprocessen hos svenska banker : Beslutfattandet vid beviljande av bolån

Sammanfattning: Housing prices have risen a lot in recent years, and many who have been outside the market may find it difficult to enter. Mortgage lending is something that can drive home prices. The credit officer grants the mortgage and makes the decision according to models that exist within the credit institution. There are many risks with lending, which the Swedish Financial Supervisory Authority, the Basel Committee and other organizations are trying to minimize by placing demands on banks and households. One risk that seems difficult to assess is the credit officer´s human factor that influences decision-making. Previous international research has pointed out that the human factor in lending exists and that it needs to be eliminated to improve the credit process. The uncertainty about the repayment ability can sometimes be difficult to assess and the creditor is forced to make decisions under uncertainty. Does the individual lender have the opportunity to give out loans if the future borrower does not fit the models and calculations that are set up in the organization or is that opportunity minimized in Swedish commercial banks today? A qualitative interview study has been done to try to map this out with the conclusion that the possibility exists, albeit in a very limited form.