The study examines which economic factors in housing associations influence the banks' decisions to grant mortgages to private individuals. In this thesis, three central economic factors have formed the basis for the study's investigation, debt ratio, maintenance plans and changes in the interest rate situation. With a focus on these aspects, conclusions have been drawn about banks' credit assessment, together with seven interviewees from different banks that are all active in Sweden. A high debt ratio usually leads to deeper analyses of the housing association's financial position, but not necessarily to more rejections. Here, the individual customer's financial position instead becomes the decisive factor for granting a mortgage.

Maintenance planning plays a central role in the association's long-term sustainability, especially for older associations. The study also points out that interest rate changes are something that contributes to more risk awareness among banks, instead of drastic changes in lending processes. As a result of the study, awareness and understanding of the indirect impact that housing association finances have on a mortgage application increases, but also raises valuable lessons for both homebuyers and real estate agents.