Home equity is the most important part of a household portfolio, but only recently has it become more accessible through innovations in the mortgage market and financial deregulation. This study looks at the factors driving home equity withdrawal on a household level using Dutch survey data and...

Soaring real estate prices and valuations despite the economic downturn brought by the pandemic have focussed the attention of Dutch policymakers on potential macro-financial and socio-economic implications. In this context, our paper reviews the salient features of Dutch commercial and...

Mortgage amortization schedules are illiquid savings plans comparable in size to pension programs; however, little is known about their effects on wealth accumulation. Using individual administrative data and plausibly exogenous variation in the timing of home purchase (ex. childbirth-driven)...

Dieser Beitrag versucht eine differenzierte Betrachtung der Angemessenheit des ar-beitsmarktpolitischen Instrumentariums. Dabei stellt sich die Frage, wie die Neukon-zeption der Arbeitsmarktpolitik an die bisherigen Entwicklungen der Arbeitsförderung anschließt und inwiefern durch die...