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Aggregate loans to the euro area private sector

Calza, Alessandro; Manrique, Marta; Sousa, João - European Central Bank - 2003

This paper provides new evidence on the behaviour of euro area aggregate loans to the private sector. Using a sample … covering the last twenty years, a cointegrating vector linking the real stock of loans to a small set of domestic macroeconomic … variables is found. Besides real GDP and prices, this set includes a new measure of the cost of loans obtained as a weighted …

Persistent link: https://www.econbiz.de/10005344909

On some fiscal effects on mortgage debt growth in the EU

Wolswijk, Guido - European Central Bank - 2005

This paper analyses some fiscal aspects of mortgage debt in the EU. It first describes the main fiscal instruments that governments use to affect mortgage-financed home-ownership. In the empirical part, real mortgage debt growth is analysed for 15 EU countries using pooled regressions. Fiscal...

Persistent link: https://www.econbiz.de/10005222354

Consumer credit and payment cards

Bolt, Wilko; Foote, Elizabeth; Schmiedel, Heiko - European Central Bank - 2011

We consider debit and credit card networks. Our contribution is to introduce the role of consumer credit into these payment networks, and to assess the way this affects competition and equilibrium fees. We analyze a situation in which overdrafts are associated with current accounts and debit...

Persistent link: https://www.econbiz.de/10009367482