År 2009 infördes en ny lagstiftning som möjliggjorde den nya upplåtelseformen ägarlägenheter i Sverige. Sedan dess kan man konstatera att det inte har byggts i den utsträckning som lagstiftaren till en början bedömt. Reglerna för ägarlägenheter gör det möjligt att inneha enskilda lägenheter i flerbostadshus med äganderätt för bostadsändamål. Juridiskt har man full äganderätt och kan man få lagfart i den enskilda lägenheten till skillnad från bostadsrätt där en nyttjanderätt innehas. Begreppet ägarlägenhet innebär en fastighet av särskilt slag - en ägarlägenhetsfastighet. Idag finns det ett fåtal aktörer på marknaden som producerar denna typ av lägenheter, de får vanligtvis sitt byggnadsprojekt finansierat av banker i form av byggnadskreditiv. Detta kandidatexamensarbete tar upp hur bankerna bedömer dess villighet att finansiera ägarlägenhetetsprojekt. Syftet med uppsatsen är att undersöka hur synen på finansiering av ägarlägenheter ser ut i dagsläget, utifrån banker, byggherre och lantmäteriets perspektiv. Målet är att klargöra hur byggkreditiv bedöms för ägarlägenheter och vilka faktorer som är avgörande för bankerna. I detta arbete har en kvalitativ metod använts för att uppnå syftet med arbetet. En litteraturundersökning samt kvalitativa intervjuer med berörda parter har genomförts för att kunna besvara arbetets frågeställning.Resultatet visar att banker ställer sig positivt till upplåtelseformen för att det bidrar till en mer flexibel bostadsmarknad för privatpersoner. Resultatet visar att banker ställer sig mer återhållsam till att finansiera ägarlägenhetsprojekt då efterfrågan anses låg i jämförelse med bostadsrättsprojekt. De flesta bankerna finansierar ett byggnadskreditiv för ägarlägenheter men det förutsätter att byggherren är väletablerad och kapitalstark. Analysen kommer fram till att lagstiftningen fyller sin funktion och det inte finns behov av större reformer. Däremot skulle det behövas justeringar samt förtydliganden från lagstiftarens sida för att klargöra hanteringen av boendeformen i praktiken. / A new legislation was introduced 2009, it enabled a new form of condominiums (sv. ägarlägenheter) in Sweden. Since then, it can be stated that condominiums have not been built to the extent that the legislator initially assessed. The rules for condominiums make it possible to own individual flats in apartment buildings with ownership rights for residential purposes. Legally, you have full ownership and you can get a registration of the ownership in the individual apartment, unlike cooperative ownership where you hold a right of use. The term condominiums by Swedish law means a property unit of a special kind - a condominium property unit. Today, there are a few developers in the market that produce this type of apartment, they usually get their building project financed by banks in the form of construction loan agreements. This bachelor thesis brings up how the lender evaluates a request for a construction loan and their willingness to fund the project. The purpose of this thesis is to examine today's view of financing condominiums from the lenders, developers and cadastral authority’s perspective. The aim is to make it clear how the construction loan agreement is assessed and which the determined factors are for the lenders. The authors have chosen a qualitative method to achieve the purpose of the thesis. A literature study was done and qualitative interviews with relevant parties were also held to answer the question at issue. Results show that the lender is positive about the form of tenure. The reason is that it contributes to a more flexible housing market. The result also shows that lenders are being more abstemious about founding condominium projects because of the low demand compared to cooperative ownership. The lenders can provide a construction loan agreement given the developer is well-established and has financial muscles. The analysis reaches the conclusion that the law serves its purposes and there is no need for any big law reforms. However, adjustments and explanations from the legislator would clarify some problems that have arisen in the thesis.

The purpose of this thesis is to describe the legal regulation of ownership of cooperative flat. The thesis is composed of four chapters, each of them dealing with different aspects of legislation of ownership of cooperative flat. Chapter one is composed of four main subchapters, and contains brief descriptions of basic institutes of each cooperative. The first chapter also contains an explanation what the cooperative is, who are the members of cooperative, what is an organization and regulations of cooperative, and how the cooperative expires. Second chapter is aimed on the flat cooperative. Its first part contains short historical overview of legal regulation of flat cooperative since their creation, till the second half of the twentieth century. Second subchapter explains the concept of the flat cooperative. Inside the following two subchapters of this chapter are described kinds of a typical flat cooperatives, and detailed described the concept of cooperative flat. Third chapter of the thesis analyzes the transfers of the flats cooperatives to the ownership of their members. In the first subchapter is an explanation of the legal regulation, which offers the change between the owner of the flat from the cooperative to its member-man. In this part are also described the theoretical conceptions of...

69 Abstract The purpose of this thesis is to describe the legal regulation of ownership of cooperative flat. The thesis is composed of four chapters, each of them dealing with different aspects of legislation of ownership of cooperative flat. Chapter one is composed of four main subchapters, and contains brief descriptions of basic institutes of each cooperative. The first chapter also contains an explanation what the cooperative is, who are the members of cooperative, what is an organization and regulations of cooperative, and how the cooperative expires. Second chapter is aimed on the flat cooperative. Its first part contains short historical overview of legal regulation of flat cooperative since their creation, till the second half of the twentieth century. Second subchapter explains the concept of the flat cooperative. Inside the following two subchapters of this chapter are described kinds of a typical flat cooperatives, and detailed described the concept of cooperative flat. Third chapter of the thesis analyzes the transfers of the flats cooperatives to the ownership of their members. In the first subchapter is an explanation of the legal regulation, which offers the change between the owner of the flat from the cooperative to its member- man. In this part are also described the theoretical...

The aim of the thesis is to analyse a legal enviroment about the ownership of a flat in various forms. The goal is to provide the reader with advantages and disadvantages of each of that forms. The thesis is composed of five main chapters. First two chapters are devoted to a short summary of both the cooperative and non-cooperative form of ownership of a flat. After the evaluation of existing legislation in historical context, the following text is focused on fundamental and also application-often problematic legal institutes. View of the academic and judicial community is provided as well. Chapter three analyzes the procedure of transformation of a housing stock after the velvet revolution in 1989, when the economic and political situation has significantly changed and all legal relations has to adopt to new times. This chapter explains the legal way of transferring flats from cooperative to non-cooperative ownership and conditions to be fulfilled. Chapter four compares these forms of ownership on the background of major legal institutes and highligts or warns on the other hand about challenges arising in connection with the appropriate form of ownership. In the last main chapter, several amendments on new legislature are critically assessed, pros and cons are described and some thoughts are pointed out...

The goal of my diploma thesis is to describe the problems of financing housing in flats owned by housing cooperatives, impact of economic on the price of flats or influence of the cooperative ownership on the selling price of the flat. In this work there are examined other factors which might motivate or demotivate new team members to join the cooperative in order to ensure their own housing.

A real property, an apartment, an accommodation unit, an ownership, cooperative housing, supply, demand, a price, a worth, a current price, a valuation using price provision, method of a direct comparison, yield method, real estate market