The problem with weak competition is the socially inefficient market it causes, but also the market power it gives firms to exercise. This thesis aimed to analyse whether the competition in the mortgage market had changed since 2013 compared to 2020. The market concentration on the Swedish mortgage market were calculated and the gross margins for the banks were compared to each other. The data used was the banks’ total mortgage lending and their listed interest rates. The results showed that the concentration had decreased and that the banks’ overall gross margins had increased. The conclusion made was that the competition was lower in 2020 than in 2013 and that more banks had entered the market, while smaller banks gained more market shares.
| Identifer | oai:union.ndltd.org:UPSALLA1/oai:DiVA.org:ltu-85462 |
| Date | January 2021 |
| Creators | Tran, Kelvin, Negussu, Eddie |
| Publisher | Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle, Luleå tekniska universitet, Institutionen för ekonomi, teknik och samhälle |
| Source Sets | DiVA Archive at Upsalla University |
| Language | English |
| Detected Language | English |
| Type | Student thesis, info:eu-repo/semantics/bachelorThesis, text |
| Format | application/pdf |
| Rights | info:eu-repo/semantics/openAccess |
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