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The Impact of House Price Changes on Household Savings: A panel data study of the impact of the changes in house prices and interest rates on household savings in Europe
Södertörn University, School of Social Sciences, Economics.
Södertörn University, School of Social Sciences, Economics.
2017 (English)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

Real estate remains to be a major component of wealth for households as the market value of houses continues to rise noticeably again, as before the global recession 2007. Understanding households’ responses to changes of house prices and interest rates is important as fluctuations of these kind affect their preferences of saving. This thesis examines the impact of house price- and interest rate changes on household savings with the usage of secondary panel data from seven European countries. Providing a definite estimation of the interest elasticity of saving for households is not conceivable with any confidence considering the difficulties in estimating differential behavior. In accordance to previous studies the result of house prices is significant negative regarding household savings. However, the repo rate contradicts earlier results with a significant negative correlation toward household savings indicating an increased confidence due to a behavioral shift. In conclusion, this study shows that internal effects are of great importance as several factors suffer from high internal impact.

Place, publisher, year, edition, pages
2017. , p. 27
Keywords [en]
Household Savings, Wealth, Interest Elasticity of Savings, House Price, Behavioural Finance, Real Estate
National Category
Economics
Identifiers
URN: urn:nbn:se:sh:diva-32775OAI: oai:DiVA.org:sh-32775DiVA, id: diva2:1108317
Subject / course
Economics
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2017-06-13 Created: 2017-06-12 Last updated: 2017-06-13Bibliographically approved

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CiteExportLink to record
Permanent link

Direct link
Cite
Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
  • vancouver
  • harvard-anglia-ruskin-university
  • apa-old-doi-prefix.csl
  • sodertorns-hogskola-harvard.csl
  • sodertorns-hogskola-oxford.csl
  • Other style
More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf