Småhusfinansiering : En studie av kommunens, statens och enskilda aktörers riskhantering i Nyköping 1904-1948

Sammanfattning: How were owner-occupied houses financed in Nyköping 1904-1948? This is the main issue of the thesis, and this question can now be answered. The answer, however, is not as simple and direct as the question. The conclusion is that the financing of housing was solved in a manner which led to the emergence of a local system of production and financing. To be able to supply capital for this purpose there emerged a system of financing. This system was initially local in its character, and based on a co-operation between several local actors. A crucial element was the self-organisation and self-control of individual actors. The municipality guaranteed the quality of housing. When national loans for building owner-occupied houses were introduced, this development influenced the local system. Eventually self-organisation and self-control disappeared, and the municipality took over these tasks. The municipality continued to watch over the quality of locally produced houses until the end of the 1930's. In connection with the introduction of state mortgages in the beginning of the 1940's, the state took over the responsibility for both the financial risk and the supervision of controls. It is remarkable how fast the careful local risk management turned into a belief that that the risks seemed to have disappeared once the state had taken over risk management.