Background: The Swedish Financial Supervisory Authority?s mortgage limitation, of mortgaging up to 85 percent of the market value of the real estate was introduced on the first of October 2010. The aim of the recommendation is to prevent a detrimental development of the market for mortgages while at the same time creating incentives for the consumers to limit the debt level. The mortgage limitation is a recently adopted recommendation and few studies have made a thorough analysis of its effects, hence it is an interesting topic to study.Aim: The aim of this study is to analyze the initial effects of the mortgage limitation for consumers, banks and estate agencies. Furthermore, the study aims to evaluate drivers of consumer debt levels and conclude whether the mortgage limitation will result in lower debt levels for consumers.Completion: The study is based on interviews with respondents from banks and with respondents from estate agencies to enlighten the initial and long term effects of the mortgage limitation.

Zakrisdal and the west coast region of Karlstad was at one time a protected area where the ammunition factory AmF Zakrisdal 1941-1994 was situated. This factory manufactured explosives for the Swedish armed forces and for export. In this context it is an interesting paradox that the production of ammunition, mines and armorpiercing grenades for more than 50 years has preserved the environment surrounding the factory.The factory is now gone and the production is moved to Karlskoga. Plans are being made to build housing for 3-4000 residents and other enterprises within the area. The area now stands before yet another change, most likely the most profound to date.The inspiration for this work comes from the economic historic Jan Jörnmark.

Today we keep our horses in a way that is easy for us humans but may not always be the most optimal way for the horse. Often the housing of the horse prevents the horse from performing behaviours that they have natural needs to perform. It is not unusual that animals that can not adapt to their environment develop abnormal behaviours. Many of our stabled horses therefore develop some kind of stereotypic behaviour. This study was made in purpose of comparing the behaviour of a weaving horse to two non-weaving horses under similar conditions, where one of the horses was stabled next to the weaving horse and the other horse was stabled further away in the same stable. Seven weaving horses were included in the study.

AbstractHerbivores can be classified into either hiders or followers depending on their postpartum behaviour. The two behaviour types affect the spatial relationship between the mother and her infant. Goats are seen as hiders, although the environment plays a central role when it comes to the behaviour. Therefore, in the first part of this study the aim was to investigate how the goat kids? spatial relationship changed in the transition from indoor housing to pasture.

Stora Tuna är ett stadsnära landskap i Borlänges utkant. Området har som många andra liknande områden en utvecklad grönstruktur, en rik kulturhistoria och än så länge en begränsad utbyggnad av bostäder, verksamheter och industrier. Med tiden har intressen kommit fram för att bebygga vissa delar och området står idag inför ett avgörande hur det ska utvecklas. Utgångspunkten för examensarbetet har varit att utreda vilken typ av landskap som är önskvärt runt våra expanderande städer och tätorter, genom exemplet Stora Tuna. Stora Tuna är ett område som ligger strax fem kilometer söder om Borlänge centrum och som från olika intressenter kan vara aktuellt för bland annat ny bebyggelse. Problemet som framkommit är att området saknar en aktuell plan och strategi som talar om i vilken riktning området ska utvecklas.

The purpose of this paper is to present and analyze the yearly expenses for Swedish rental apartments during the period 1999 to 2007. At the end, it will give the reader a general picture of how the cost-level has fluctuated depending on the production year when the apartment building was finished, and where the same building is located. This paper has the following questions as a starting point:- Can there be an identification of regions depending on where people tend to favor renting an apartment?- How are those regions distributed? That is, where are the cost-levels of the yearly rental expenses highest and where are the levels lowest?Nine statistical surveys from the Swedish government agency Statistics Sweden (Statistiska Centralbyrån) have been used as primary sources for this paper. These surveys deal with price pictures of housing in general, but for this paper the only information that has been used is the one about rental apartments.

An ever-increasing population, urbanization and visions towards sustainable cities clarifies the need of densification. When densifying existing urban areas adding storeys could serve as a residential densification, which would also meet the market demand for centrally located apartments. An increased understanding of the potential of vertical densification gives way to the aim of this thesis to increase the amount of centrally located housing.This thesis provides knowledge of adding storeys and how property owners can identify opportunities in their existing building stock.The first question, What kind of residential densification takes place in Sweden today? highlights ways of residential densification; development of brownfields, infill and adding storeys, where adding storeys is what this thesis then focuses on. The result came through a literature review that also clarified important factors when adding storeys.

When the producers? responsibility for packaging was introduced in Sweden in 1994 the industry set up public recycling stations to facilitate the collection of the waste material. In order to establish recycling stations at suitable locations the municipalities assist the industry?s service organization for operation of the recycling stations, the Package and Newspaper Collection Service (Förpacknings- och tidningsinsamlingen, FTI). The objectives of this thesis are to improve the service of the public recycling stations within Lidingö town and to increase the accessibility to these stations for the inhabitants of Lidingö.

Abstract Contemporary cities find themselves today in a fierce competition against other cities over company establishment and in -migration. In this competition, the city?s main objective is to become an attractive site of capital accumulation.  As this happens, the pressure on the vulnerable groups in society increases, leading to a social geographic polarization. I have examined how the shift towards neoliberalism has affected a city on the fringe as Kalmar. How is the postindustrial urban space constructed? I found this important to analyze since it put two important questions in the light: For whom, and for which purpose do we build the city today? My questions have been:v  What are Kalmar municipality?s strategies to develop Kalmar?v  What are the results of this strategy in the urban space?v  What are the consequences of this strategy?The research has been a case study of the city of Kalmar with a qualitative deductive approach where David Harvey?s theories about the city in a capitalist system have been the underpinning structure.

Social work is a profession where documentation about people?s behavior and life circumstances is common. In the beginning of the essay we ask ourselves, if these descriptions about people can be problematic? To explore this, we studied social documentation, from the past. We used a historical source because history can help usunderstand the social work that is being conducted today.

The housing sector uses 40 % of the energy in Sweden and half of the electricity usage. Theuse of energy is the main reason to the increasing rate of carbon dioxide in the atmosphere.This is the main motive but also a wish of higher safety, that is a higher rate of selfsufficientenergy production in Sweden, we want to decrease the need of using fossil fuel. Now whenthe energy price rise, the interest in energy issues increase and more people discuss thepossibility of reducing the usage of fossil fuel. A change to renewable energy such as sun,wind and water is the only solution where we can get a sustainable development.One way to contribute to a better use of energy is to build in the principle of passive house.The house is being built with a thick and tight insulation. If you use a heat-exchanger withhigh degree of efficiency and a final heating battery on the ventilation system, the heat fromlamps, devices and the ones living in the house should be enough to fulfil the criteria ofliving.

We came in contact with the project "Grönplan Danderyd" that aims to create a green structure plan for a municipality of Stockholm called Danderyds kommun. Our thesis is a part of this project and makes it's contribution through the gathering and systematization of the knowledge of the functions of an urban green structure. It also makes a contribution through suggesting how this knowledge can be applied during the construction of an urban green structure plan. We found that "Stadens parker och natur", published by the Swedish National board of Housing, Building and Planning, was a recurrent source of information in the green structure plans that we studied. We saw a need of complementary additions and updates to the rather old report and found literature that adds the developments of the last decade. First of all we have chosen to make themes based on the functions of a green structure that were presented by 'Stadens parker och natur'. The themes we suggest that a greenplanning document manage are: Recreation, Pedagogies and Heath, Biological Diversity, Green structure in the History of Building Cities, Cultural Identity, the Health of the City, Biological Technology in the Municipality and Use and the Users. We found good examples of how to handle these themes in documents that handle greenstructure planning from the municipalities of Göteborg, Strängnäs, Eskilstuna, Malmö, Lund, Västerås and Uppsala.

Samhället har en lagstadgad skyldighet att anpassa allmänna områden så att dessa ska kunna vara tillgängliga för alla medborgare i kommunen. Ändå finns det många platser och lokaler där hinder i miljön försvårar tillgängligheten för rullstolsburna personer. Enligt tidigare forskningsrapporter så finns det stora problem i tillgängligheten i grundskolans lokaler. Detta i samband med de dokumenterade forskningsrön som finns angående hur aktivitet hos barn främjar god fysisk och psykisk hälsa gör det angeläget att undersöka hur tillgängligheten ser ut i grundskolans idrottslokaler. Att miljön i idrottslokalerna är fri från hinder är en förutsättning för att rullstolsburna elever ska kunna delta i ämnet "idrott och hälsa".

I Sveriges storstadsregioner har behovet av mer strategiskt utformade planer växt fram under senare år. I korthet beror detta på kommunens begränsande möjligheter att påverka bebyggelseutvecklingen. Samtidigt har kommunerna fortfarande ett ansvar för att bebyggelseutvecklingen leds mot en social, ekonomisk och ekologisk hållbarhet. Behovet av att koncentrera de kommunala insatserna har då ökat. Kommunens roll blir att tillhandahålla hållbara rumsliga ramar där förändringar på kvartersnivå sker i privat regi. Syftet med mitt examensarbete har varit att utforma en strukturplan för Högsbo industriområde.

The aim of our study is to explore the empowerment process among micro-business owners in Kayamandi, a black township of Stellenbosch in South Africa. What are the positive and negative implications for the empowerment process? Another aim is to find out the role of local and international support in this process. The theoretical framework of this study revolves around the concepts of gender, power and empowerment. Our methods are qualitative interviews and observations.