<p>70 percent of Sweden´s municipalities say they do not have vacant rental flats and a shortage is emerging, during the same time are 1.1 million young people ready to enter the housing market. In order to curb the housing shortage, have the Swedish politicians since the postwar period chosen to stimulate the market with subsidies to increase new production and to control that what is built is in the right direction. The construction industry is perceived as conservative, and many argue that the state keeps it under their wings, which has led to that the development not has progressed in the same way as other, non-subsidy regulated industries.</p><p>The purpose of ours bachelor thesis is to provide an overall picture and describe the underlying problems of the housing shortage at the rental market. In addition, we want to present theories about where possible actions could take place in the market, by illuminate the problem from the differente actors perspective.</p><p>To fulfill our purpose and provide a deeper understanding of the problem we have chosen a qualitative approach. We interviewed nine different actors on the Swedish housing market, two managers, two to representatives of Halmstad Municipality, a representative for the construction operators and four different interest groups. Respondents represent BI, Building Owners, HFAB, Jagvillhabostad.nu, Property and Real Estate Board, Halmstad municipality Riksbyggen, SABO and Tenants' Association. We have not found any previous study that has captured the whole picture of the market as we have done by allowing all market participants to express themselves and thereby give their views on the problem. With our theoretical framework as a basis, we designed the questions that were asked during the interviews.</p><p>We have accordingly concluded that actors already have made up with subsidies. The industry need not be dependent on subsidy, however, the needed housing policy that provides long-term thinking by cross-collaborations. The stimulus is not necessary for creating variation between the different tenure because municipalities through planning determines what and how it should be built. Thus, there will be housing for the entire market.</p>

70 percent of Sweden´s municipalities say they do not have vacant rental flats and a shortage is emerging, during the same time are 1.1 million young people ready to enter the housing market. In order to curb the housing shortage, have the Swedish politicians since the postwar period chosen to stimulate the market with subsidies to increase new production and to control that what is built is in the right direction. The construction industry is perceived as conservative, and many argue that the state keeps it under their wings, which has led to that the development not has progressed in the same way as other, non-subsidy regulated industries. The purpose of ours bachelor thesis is to provide an overall picture and describe the underlying problems of the housing shortage at the rental market. In addition, we want to present theories about where possible actions could take place in the market, by illuminate the problem from the differente actors perspective. To fulfill our purpose and provide a deeper understanding of the problem we have chosen a qualitative approach. We interviewed nine different actors on the Swedish housing market, two managers, two to representatives of Halmstad Municipality, a representative for the construction operators and four different interest groups. Respondents represent BI, Building Owners, HFAB, Jagvillhabostad.nu, Property and Real Estate Board, Halmstad municipality Riksbyggen, SABO and Tenants' Association. We have not found any previous study that has captured the whole picture of the market as we have done by allowing all market participants to express themselves and thereby give their views on the problem. With our theoretical framework as a basis, we designed the questions that were asked during the interviews. We have accordingly concluded that actors already have made up with subsidies. The industry need not be dependent on subsidy, however, the needed housing policy that provides long-term thinking by cross-collaborations. The stimulus is not necessary for creating variation between the different tenure because municipalities through planning determines what and how it should be built. Thus, there will be housing for the entire market.

Submitted by Jos? Henrique Henrique (jose.neves@ufvjm.edu.br) on 2017-06-09T19:54:24Z No. of bitstreams: 2 rafaella_silva_pereira.pdf: 1318311 bytes, checksum: aa9b07990333a2529f1aa05e2f67a243 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Approved for entry into archive by Rodrigo Martins Cruz (rodrigo.cruz@ufvjm.edu.br) on 2017-06-22T14:49:32Z (GMT) No. of bitstreams: 2 rafaella_silva_pereira.pdf: 1318311 bytes, checksum: aa9b07990333a2529f1aa05e2f67a243 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) / Made available in DSpace on 2017-06-22T14:49:32Z (GMT). No. of bitstreams: 2 rafaella_silva_pereira.pdf: 1318311 bytes, checksum: aa9b07990333a2529f1aa05e2f67a243 (MD5) license_rdf: 0 bytes, checksum: d41d8cd98f00b204e9800998ecf8427e (MD5) Previous issue date: 2017 / Este estudo tem como objetivo realizar um diagn?stico hist?rico da comercializa??o do seguro de florestas do Programa de Subven??o do Seguro Rural ? PSR; bem como executar avalia??es econ?mica e de risco de investimento em plantios de eucalipto situados em Minas Gerais, considerando a influ?ncia do custo do seguro de florestas, evidenciando o seu impacto no projeto. Os dados utilizados no diagn?stico realizado s?o de uma s?rie hist?rica entre os anos de 2006 a 2015, referentes aos seguros de florestas do PSR. Os custos s?o oriundos de plantios de eucalipto localizados no Vale do Jequitinhonha, Minas Gerais. Simulou-se a cota??o do seguro para cobertura b?sica (inc?ndio e raio) e coberturas adicionais: fen?menos meteorol?gicos (chuva excessiva, granizo, geada, seca e tromba d??gua), ventos fortes e queda de aeronave. Na avalia??o econ?mica utilizou-se o Valor Presente L?quido (VPL), a Taxa Interna de Retorno (TIR) e o Custo (ou Benef?cio) Peri?dico Equivalente (CPE ou BPE). Procedeu-se a an?lise de sensibilidade de risco pelo m?todo de Monte Carlo. Apesar da ?rea coberta por seguro de florestas integradas ao PSR ainda representar um porcentual baixo das florestas totais plantadas no pa?s, o mercado deve ser considerado promissor, pois ? percebido um aumento significativo da contrata??o de seguros de florestas, desde o ano de implementa??o do programa. O que mais influenciam o valor do pr?mio do seguro s?o: a esp?cie a ser segurada, o seu ciclo, idade, a finalidade de uso da madeira e o tipo de cobertura desejada na contrata??o da ap?lice do seguro. A an?lise econ?mica realizada foi considerada vi?vel por todos os indicadores utilizados, apesar da probabilidade de se ter valores negativos para tais indicadores pela an?lise de risco de investimento. Os maiores investimentos do governo est?o na modalidade agr?cola do seguro rural, o que facilita a sua comercializa??o perante as outras. Assim, a implementa??o de maiores investimentos voltados para as outras categorias do seguro rural, com pol?ticas direcionadas para cada estado de forma diferente, atendendo as particularidades de cada regi?o, seriam alternativas para o desenvolvimento do mercado das outras modalidades do seguro rural. / Disserta??o (Mestrado) ? Programa de P?s-Gradua??o em Ci?ncia Florestal, Universidade Federal dos Vales do Jequitinhonha e Mucuri, 2017. / This study aims to carry out a historical diagnosis of the commercialization of the forest insurance of the Rural Insurance Subsidy Program (PSR); As well as carrying out economic and risk assessments of investment in eucalyptus plantations located in Minas Gerais, considering the influence of the cost of forest insurance, evidencing its impact on the project. The data used in the diagnostic carried out are of a historical series between the years 2006 to 2015, regarding the PSR forest insurance. The costs come from eucalyptus plantations located in the Jequitinhonha Valley, Minas Gerais. It simulated the insurance quote for basic coverage (fire and lightning) and additional coverages: weather phenomena (excessive rain, hail, frost, drought and water spout), strong winds and aircraft fall. In the economic evaluation, the Net Present Value (NPV), the Internal Rate of Return (IRR) and the Equivalent Periodic Cost (or Benefit) were used. The risk sensitivity analysis was performed by the Monte Carlo method. Although the area covered by forest insurance integrated into the PSR still represents a low percentage of the total planted forests in the country, the market should be considered promising, since it is perceived a significant increase in the contracting of forest insurance, since the year of implementation of the program . What most influences the value of the insurance premium are: the species to be insured, its cycle, age, the purpose of use of the wood and the type of coverage desired in the contracting of the insurance policy. The economic analysis performed was considered viable by all the indicators used, despite the probability of having negative values for such indicators by the investment risk analysis. The largest investments by the government are in the agricultural modality of rural insurance, which facilitates its commercialization in front of the others. Thus, the implementation of larger investments aimed at the other categories of rural insurance, with policies directed to each state in a different way, taking into account the particularities of each region, would be alternatives for the development of the market of other rural insurance modalities.