Vilka effekter har jämförelsesidor givit för konkurrensen på bolånemarknaden : Nationalekonomisk kandidatuppsats
Sammanfattning: After the financial crisis, several comparison websites have emerged for private lenders to enable comparison on mortgage terms. The idea behind the comparison pages is that they should be used by the private borrower. On June 1, 2015, a new directive emerged from the Swedish Financial Supervisory Authority to the credit institutes that instead of the list interest, the average interest rate that the lenders offer their customers should be the one published, in order to further increase the transparency of the price. The purpose of this study is to investigate whether competition in the mortgage market has improved after the introduction of the comparison websites and the effects of the increased price transparency. In order to investigate the competition on the mortgage market, the theory of market forms and the Herfindahl-Hirschman Index has been applied. The result of the study shows that the concentration of competition has increased over time. This study also shows that the comparison pages have contributed to increased price transparency that has contributed to consumers information about the market. This study is limited to the Swedish mortgage market.
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