Regulering påvirker forskellige grene af boligmarkedet meget forskelligt. Nationalbank skriver i en ny analyse: ”We focus on three conventional measures: the loan-to-value (LTV), debt-to-income (DTI) and debtservice-to-income (DSTI) ratios, and present two sets of results showing that restrictions on these measures impact households and housing units differently. First, while tighter regulation on the LTV ratio directly impact young and less wealthy households, restrictions on the DTI and DSTI ratios primarily impact housing buyers in the largest cities. Second, by modelling housing buyers’ preferences and budget constraints, we find that while any regulation would push net demand to suburban areas, restrictions on the DTI ratio leaves demand for small apartments in the Copenhagen area unaffected.”
Sten Thorup Kristensen