Matches in SemOpenAlex for { <https://semopenalex.org/work/W2894522369> ?p ?o ?g. }
Showing items 1 to 71 of
71
with 100 items per page.
- W2894522369 abstract "AbstractThe amortization requirement stipulates that all new mortgages will be amortized in the interval between 50-70 per cent of the residence value; an additional, stricter, amortization applies if the mortgage exceeds 450 per cent of the individual´s gross annual income. The stricter amortization requirement is brand new, implemented the 1st of March 2018. This action was introduced when the Swedish Financial Supervisory Authority (Finansinspektionen) concluded that the aggregate debt level in Sweden must be contained. The amortization requirement is designed to increase the resilience among Swedish households against financial crisis. The effects of the amortization requirement is fiercely debated and of great public interest because it concerns everyone who has or wants to purchase a residence. The focus is to investigate the Loan-to-Income ratio and the “Left-to-live-on” –Calculation (KALP). Using a comparative method the Loan-to-income ratio and the KALP- calculations are compared between all 290 municipalities and across age groups. The result shows the different effects the amortization requirement has on different regions in Sweden. The amortization requirement will affect the larger municipalities and the adjoining suburbs the most, as well as the younger and the older age groups, causing a decrease in residence prices and lower demand for mortgages. This result is explained within the context of the permanent income hypothesis, life cycle models of consumption as well as a spatial consideration of income growth. The initial effects of the amortization requirement has been a drastic decrease in housing prices and the long –term goal is a more sensible loan-to –income ratio level in the country. Key Words: Amortization, Loan-to-Income ratio, Finansinspektionen, KALP" @default.
- W2894522369 created "2018-10-05" @default.
- W2894522369 creator A5073707794 @default.
- W2894522369 date "2018-01-01" @default.
- W2894522369 modified "2023-09-23" @default.
- W2894522369 title "Amortization- What happens?" @default.
- W2894522369 hasPublicationYear "2018" @default.
- W2894522369 type Work @default.
- W2894522369 sameAs 2894522369 @default.
- W2894522369 citedByCount "0" @default.
- W2894522369 crossrefType "journal-article" @default.
- W2894522369 hasAuthorship W2894522369A5073707794 @default.
- W2894522369 hasConcept C10138342 @default.
- W2894522369 hasConcept C120527767 @default.
- W2894522369 hasConcept C144024400 @default.
- W2894522369 hasConcept C144133560 @default.
- W2894522369 hasConcept C162324750 @default.
- W2894522369 hasConcept C166957645 @default.
- W2894522369 hasConcept C169824061 @default.
- W2894522369 hasConcept C205649164 @default.
- W2894522369 hasConcept C2776269092 @default.
- W2894522369 hasConcept C2777764128 @default.
- W2894522369 hasConcept C2779343474 @default.
- W2894522369 hasConcept C2781198434 @default.
- W2894522369 hasConcept C2781426361 @default.
- W2894522369 hasConcept C30772137 @default.
- W2894522369 hasConcept C36289849 @default.
- W2894522369 hasConcept C4249254 @default.
- W2894522369 hasConceptScore W2894522369C10138342 @default.
- W2894522369 hasConceptScore W2894522369C120527767 @default.
- W2894522369 hasConceptScore W2894522369C144024400 @default.
- W2894522369 hasConceptScore W2894522369C144133560 @default.
- W2894522369 hasConceptScore W2894522369C162324750 @default.
- W2894522369 hasConceptScore W2894522369C166957645 @default.
- W2894522369 hasConceptScore W2894522369C169824061 @default.
- W2894522369 hasConceptScore W2894522369C205649164 @default.
- W2894522369 hasConceptScore W2894522369C2776269092 @default.
- W2894522369 hasConceptScore W2894522369C2777764128 @default.
- W2894522369 hasConceptScore W2894522369C2779343474 @default.
- W2894522369 hasConceptScore W2894522369C2781198434 @default.
- W2894522369 hasConceptScore W2894522369C2781426361 @default.
- W2894522369 hasConceptScore W2894522369C30772137 @default.
- W2894522369 hasConceptScore W2894522369C36289849 @default.
- W2894522369 hasConceptScore W2894522369C4249254 @default.
- W2894522369 hasLocation W28945223691 @default.
- W2894522369 hasOpenAccess W2894522369 @default.
- W2894522369 hasPrimaryLocation W28945223691 @default.
- W2894522369 hasRelatedWork W1494718706 @default.
- W2894522369 hasRelatedWork W1606304832 @default.
- W2894522369 hasRelatedWork W2090038403 @default.
- W2894522369 hasRelatedWork W2130491454 @default.
- W2894522369 hasRelatedWork W2145701577 @default.
- W2894522369 hasRelatedWork W2150680031 @default.
- W2894522369 hasRelatedWork W2182681306 @default.
- W2894522369 hasRelatedWork W2185565798 @default.
- W2894522369 hasRelatedWork W2188106486 @default.
- W2894522369 hasRelatedWork W2268206510 @default.
- W2894522369 hasRelatedWork W2318634029 @default.
- W2894522369 hasRelatedWork W2323996662 @default.
- W2894522369 hasRelatedWork W266425258 @default.
- W2894522369 hasRelatedWork W2802101458 @default.
- W2894522369 hasRelatedWork W3141487631 @default.
- W2894522369 hasRelatedWork W3149105648 @default.
- W2894522369 hasRelatedWork W3151232733 @default.
- W2894522369 hasRelatedWork W335757440 @default.
- W2894522369 hasRelatedWork W636787658 @default.
- W2894522369 hasRelatedWork W830316862 @default.
- W2894522369 isParatext "false" @default.
- W2894522369 isRetracted "false" @default.
- W2894522369 magId "2894522369" @default.
- W2894522369 workType "article" @default.