摘要：It is well known that risk factors influence how investment portfolios perform from alender’s perspective; therefore, a thorough risk assessment of the housing market is vital. The aim ofthis paper was to analyze the risks from housing apartments in different housing market segmentsby using the Stockholm, Sweden, owner-occupied apartment market as a case study. By applyingquantitative and systems engineering methods, we (1) established the relationship between theoverall housing market and several housing market segments, (2) analyzed the results from thequantitative model, and (3) finally provided a feasible portfolio regarding risk control based onthe given data. The goal was to determine how different housing segment factors could revealrisk towards the overall market and offer better outlooks for risk management when it comes tohousing apartments. The results indicated that the risk could be reduced at the same time as thereturn increased. From a lender’s perspective, this could reduce the overall risk.
