Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

To be examined in hospitals can sometimes be perceived aspainful by children. Therefore there is a need for something,which can distract children?s attention from their perceivedpain. During my graduation project, I discovered a designopportunity to work with suspended ceiling systems inexamination rooms, as there is not much to look at whilebeing examined.The result, Twig Ceiling is an interactive nature-inspiredbacklit module with colored LEDs. Twig Ceiling has onelayer of pattern that is visible when the module is not litand the second layer of pattern appears when turning onthe light.

The general consensus is that the gap between the Swedish variable mortgage rate and the repo rate has increased over the last years. Although the Riksbank in recent times has cut its base rate, many banks have chosen either to leave the interest rate on variable mortgages unchanged, or they did reduce it but by less points than the reduction in the repo rate. The linear relationship between the repo rate and the variable mortgage rate has changed over the last decade and the mortgage margins these days are relatively high. This can somewhat be explained by the new rules introduced in the bank sector requiring banks to increase liquidity and equity. Since mortgage loans play an important role in banks? lending business it is of interest to gain knowledge in whether a repo rate reduction latterly has generated a limited affect on the banks lending rates..

Title: The mortgage limitation and its impact on the mortgage marketLevel: Final assignment for Bachelor Degree in Business AdministrationAuthor: Mattias Arnkvist and Magnus Vitasp PerssonSupervisor: Lars SteinerDate: 2011 ? MayAim: We have conducted this report to find out what effect the mortgage limitation has had on the mortgage market since its introduction in autumn 2010. The mortgage limitation has both before and after the introduction been a topic of discussion as it affects many and above all makes it diffucult for certain customer groups.Method: This report was written by a qualitative method. The report uses qualitative and quantitative data. The quantitative data we have in the report are printed literature in books, articles and journals as well as data taken from Internet.

This bachelor thesis aims to analyse the Swedish mortgage market and investigate whether it is in a current price bubble or not. Comparisons have been made with Denmark, a country with a market similar to Sweden?s, and where the mortgage market faced a price bubble that crashed in 2008. The housing market in Stockholm has been analysed as a separate market, as it differs from Sweden as a whole in prices and underlying factors to increased prices. The conclusion of this thesis is that not Sweden, nor Stockholm, is currently in a price bubble at the mortgage market.

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.

This bachelor thesis aims to analyse the Swedish mortgage market and investigate whether it is in a current price bubble or not. Comparisons have been made with Denmark, a country with a market similar to Sweden?s, and where the mortgage market faced a price bubble that crashed in 2008. The housing market in Stockholm has been analysed as a separate market, as it differs from Sweden as a whole in prices and underlying factors to increased prices. The conclusion of this thesis is that not Sweden, nor Stockholm, is currently in a price bubble at the mortgage market.

This Degree project is a study about the Mortgage Cap, introduced in October of 2010, and its impact on the demand for rented apartments. The mortgage cap was introduced to decrease the households? loan-to-value ratio and thereby increase their economical resistance during times of financial instability.The past ten years Swedish households have continuously increased their average loan-to-value ratio. In an attempt prevent this negative development Finansinspektionen introduced a mortgage cap stating that banks should no longer grant mortgages corresponding to more than 85 percent of the property?s market value.In order to answer the main question two methods were used both a survey and two interviews.

A large amount of our time is spent indoors in an artificial climate. To make the experience pleasant there are requirements on the ventilation and the heating system. At the present time the most common form of heating is a radiator system complemented with a ventilation system. A ceiling heating system with combined heating and ventilation can replace the two separated systems. The benefit with a ceiling heating solution is that it saves space since the radiator system is no longer needed.

ABSTRACTTitel: Bolånetakets påverkan på bostadsmarknaden ? Ur konsumenternas synvinkelNivå: C-uppsats i ämnet företagsekonomiFörfattare: Johan Sandberg och Joel ByströmHandledare: Aihie OsarenkhoeDatum: 2012 - 05Syfte: Syftet med detta arbete är att undersöka hur förväntningarna var inför införandet, ochhur konsumenterna påverkats av det nya bolånetaket som infördes 1 oktober 2010. När detnu gått 18 månader sedan införandet, hur har bostadsmarknaden påverkats urkonsumenternas synvinkel?Arbetets bidrag: Tidigare studier inom området (t.ex. Gauffin, 2011; Bekeris & Lagelius,2011; Claesson & Megaache, 2011) fokuserar på hur hur bostadsmarknaden i sin helhet harpåverkats av bolånetaket, med främsta inriktning på bostadsrätter i Stockholm.

The concept of large paintings includes panoramas, cycloramas and other paintings thatin size exceeds the normal magnitude of wall hung paintings. When these large paintingsare mounted in the ceiling, they are referred to as plafonds. When they are performedon canvas, certain kinds of structural distortions and stress occurs. In addition, becauseof their size and mounting high up in the ceiling, plafond paintings are often difficult tohandle, which leads to less or no maintenance. A plafond may therefore be left withoutattendance for many decades.This thesis has its focus on what happens with plafond paintings on canvas when they areexposed to gravitational forces, and the problems involved in restoring large paintingsmounted in the ceiling.

To ensure that animals are treated well and kept in environments fitted for them, Sweden has animal welfare legislation. One of the requirements in the legislation is that horses are kept in spaces that has a ceiling height that measures at least 1,5 * the height at the withers of the horse, but always a minimum of 2,2 m. But a minor derivation can be accepted from these measurements if certain criteria are fulfilled. If the ceiling height is to low the ventilation in the stable can be negatively affected. It can also affect the posture of the horse and may increase the risk of the horse being injured.

Introduction: A general guideline was introduced on October first 2010 regarding a mortgage cap, limiting the degree of leverage of housing as collateral. Through the new guidelines the marked conditions concerning consumers? choice of mortgage has changed. The consumers are limited in the sense that they can?t only use mortgage when purchasing a house.

Background: The hurricane in the south of Sweden in January 2005 was the worst storm in Sweden for the last hundred years. The storm named Gudrun has blown down forest that according to estimation is corresponding to one year of cutting down in the entire country.Purpose: The purpose of this thesis is to describe how credit granters act when facing falling forest real estate mortgage and describe if they will make considerations due to the storm in the south of Sweden 2005.Method: With help of a qualitative method, we investigated how the credit granters act when facing falling forest real estate mortgage. Interviews were obtained with three credit granters, SEB, Landshypotek and FöreningsSparbanken in the county of Jönköping and Kronoberg.Conclusion: The conclusion is based upon the empirical study, the analysis and our own reflections and it shows that the credit granters do not change their policy concerning credit granting to forest real estate properties. The policy of the credit granters has proven to be valid even in this extreme situation..