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Price movements in the Canadian residential mortgage market

Allen, Jason; McVanel, Darcey - 2009

The authors empirically analyze the price-setting behaviour of the major Canadian banks in the residential mortgage … market over the period 19912007. They use weekly posted prices of the major mortgage providers to study the degree of … competition in mortgage price setting. Their results suggest that the residential mortgage market is imperfectly competitive. They …

Persistent link: https://www.econbiz.de/10003852802

Household Risk Management and Actual Mortgage Choice in the Euro Area

Ehrmann, Michael; Ziegelmeyer, Michael - Bank of Canada - 2014

Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between …-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for … how the easing of monetary policy during the financial crisis affected mortgage holders. It shows that the resulting …

Persistent link: https://www.econbiz.de/10010762046

Consumer Cash Usage: A Cross-Country Comparison with Payment Diary Survey Data

Bagnall, John; Bounie, David; Huynh, Kim; Kosse, Anneke; … - Bank of Canada - 2014

We measure consumers’ use of cash by harmonizing payment diary surveys from seven countries. The seven diary surveys were conducted in 2009 (Canada), 2010 (Australia), 2011 (Austria, France, Germany and the Netherlands), and 2012 (the United States). Our paper finds cross-country differences -...

Persistent link: https://www.econbiz.de/10010849952

Why Is Cash (Still) So Entrenched? Insights from the Bank of Canada’s 2009 Methods-of-Payment Survey

Arango, Carlos; Hogg, Dylan; Lee, Alyssa - Bank of Canada - 2012

The authors present key insights from the Bank of Canada’s 2009 Methods-of-Payment survey. In the survey, about 6,800 participants completed a questionnaire with detailed information regarding their personal finances, as well as their use and perceptions of different payment methods. In...

Persistent link: https://www.econbiz.de/10009653924

Consumer Attitudes, Uncertainty, and Consumer Spending

Côté, Denise; Johnson, Marianne - Bank of Canada - 1998

This study examines the link between consumer expenditures and the Conference Board's Index of Consumer Attitudes, an index highly regarded for some time as a useful leading indicator of consumer expenditures. However, the theory that identifies why it may be useful in an analysis of consumption...

Persistent link: https://www.econbiz.de/10005673257

The Usefulness of Consumer Confidence Indexes in the United States

Desroches, Brigitte; Gosselin, Marc-André - Bank of Canada - 2002

Persistent link: https://www.econbiz.de/10005673327

How Important Are Liquidity Constraints for Canadian Households? Evidence from Micro-Data

Faruqui, Umar; Torchani, Samah - Bank of Canada - 2012

Using a unique micro-dataset containing real and financial information on Canadian households for 2000–07, the authors address two questions: (1) What is the proportion of households whose consumption displays excess sensitivity to income, and who are likely liquidity constrained? (2) Do house...

Persistent link: https://www.econbiz.de/10010599185

Housing and mortgage markets in Canada

Smith, Lawrence B. - 1970

Persistent link: https://www.econbiz.de/10000668551

Institutional mortgage lending in Canada : 1954-1968 ; an econometric analysis

Smith, Lawrence B. - 1973

Persistent link: https://www.econbiz.de/10000668601

Business Cycle Effects of Credit Shocks in a DSGE Model with Firm Defaults

Pesaran, M. Hashem; Xu, TengTeng - Bank of Canada - 2013

This paper proposes a theoretical framework to analyze the relationship between credit shocks, firm defaults and volatility, and to study the impact of credit shocks on business cycle dynamics. Firms are identical ex ante but differ ex post due to different realizations of firm-specific...

Persistent link: https://www.econbiz.de/10010849962

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