Background: In recent years, the rise in prices of real estate and condominiums has been extraordinary. At the same time, household debt levels have increased worryingly. A high level of indebtedness in households makes them more vulnerable to fluctuations in the market and can affect their entire private economy. When the upswing is too strong there is an obvious risk of a residential bubble arising. Problem: If the bubble bursts and a fall in prices on real estate and condominiums occur, the entire real economy is affected negatively. A financial crisis particularly affects one of the most important players in the market, the banks. To avoid falling into this situation, stricter amortization rules have been introduced on mortgages. Issue: How does the introduction of stricter amortization rules affect banks' credit for the acquisition of private housing? Purpose: To describe and analyze the effects of the introduction of stricter amortization rules from banks on acquisition of private housing and to find out the acceptance of this product change. Method: To get an answer to the essay's question, a qualitative method with an abductive approach has been used. The same questionnaires have been used for respondents to get a uniform structure both at the interview before the introduction of stricter amortization rules and after. Empirical evidence has been compared with theory and previous research. Then the answers have been interpreted and placed in their correct context. Conclusion: The respondents of the participating banks agree that the introduction of stricter amortization rules did not affect the credit process, as their respective banks demanded payment ability similar to the new rules already before. Acceptance for higher amortization is growing and without this change, housing prices would have been even stronger. Additional time needs to go before evaluation can be made by the effect of stricter amortization rules they claim.

This thesis analyses if households’ confidence could be a significant variable to predicthouseholds’ debt growth in Sweden. Households’ debts have an important role in thefinancial system where the vulnerability of households’ debts has increased over time.To test whether households’ confidence is a significant variable for the prediction ofhouseholds’ debt growth in Sweden, an econometric model with the households’ debtchange as the dependent variable and the changes in the repo rate, unemployment, grossdomestic product and consumer confidence index as independent variables was used.Consumer confidence index was used as a proxy variable for households’ confidence.It was lagged by one time period in order to quantify if consumer confidence indexcould, with previous value, predict the households’ debt growth. The result showed thatthe households’ confidence was not significant to predict the households’ debt growth. / Denna uppsats har analyserat om hushållens förtroende är en signifikant variabel för attförutse hushållens skuldtillväxt i Sverige. De svenska hushållens skulder har ensignifikant betydelse för den svenska ekonomin. Men sårbarheten för dessa skulder harökat med tiden. För att testa om hushållens förtroende är en signifikant variabel för attförutse hushållens skuldtillväxt i Sverige har en ekonometrisk modell med förändringeni hushållens skulder som en beroende variabel och förändringen i reporäntan,arbetslöshet, bruttonationalprodukten och konsumentförtroendeindex som oberoendevariabler. Konsumentförtroendeindex användes som en ersättare för att mäta hushållensförtroende används. Den var fördröjd med en tidsperiod för att kunna testa omhushållens föregående uppfattningar påverkade framtida skuldtillväxt för hushållen.Resultaten från regressionsanalysen antyder på att hushållens förtroende inte är ensignifikant variabel för att kunna förutse hushållens skuldtillväxt.