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Crisis and Italian Households : A Microeconomic Analysis of Mortgage Contracts
Felici, Roberto - 2012
financial crisis on this portion of the credit market. From 2008 to 2011 the total number and value of new mortgages decreased … sharply. The results show that young households and non-EU immigrants have been affected more by the decline of new mortgages …, albeit greater for smaller mortgages …
Persistent link: https://www.econbiz.de/10013099600
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L’indebitamento e la vulnerabilità finanziaria delle famiglie nelle regioni italiane (Households’ Indebtedness and Financial Vulnerability in the Italian Regions)
Vacca, Valerio Paolo - 2013
This paper depicts – from a variety of viewpoints – the degree of indebtedness and potential financial vulnerabilities of households across the Italian regions. Micro-data from several sources suggest that the financial situation of Italian households shows striking differences at...
Persistent link: https://www.econbiz.de/10013080191
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The Italian Mortgage Market : Characteristics, Evolution and Regional Differences - Evidence from a Bank Survey
Rossi, Paola - 2008
The paper reviews the supply of different mortgage instruments to Italian households by means of data obtained from a … housing finance in the last five years: a greater variety of mortgage products is supplied, along with a widespread easing of …
Persistent link: https://www.econbiz.de/10012724011
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Mercato Immobiliare, Imprese Della Filiera E Credito : Una Valutazione Degli Effetti Della Lunga Recessione (The Real Estate Market, the Supply Chain and Credit: The Effects of the...
Fabrizi, Cristina - 2015
Italian Abstract: La filiera del settore immobiliare contribuisce per oltre un quinto al prodotto interno lordo; la sua rilevanza per il sistema bancario è ancora più elevata: il credito concesso alle imprese del comparto supera il 34 per cento dei finanziamenti al settore privato. La...
Persistent link: https://www.econbiz.de/10013022314
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With (More Than) a Little Help from My Bank. Loan-to-Value Ratios and Access to Mortgages in Italy
Liberati, Danilo - 2016
households indicates that the improvement in the ability of the latter to sustain a mortgage was counterbalanced by a tighter … LTVs – on the pool of households who can actual access housing mortgages without running into financial distress: the level … and the slope of the ‘mortgage affordability curve', the curve that shows the share of eligible households at different …
Persistent link: https://www.econbiz.de/10012994331
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From Few to Many : Product Differentiation in the Italian Mortgage Market
Del Prete, Silvia - 2017
Nowadays Italian borrowers can choose among a variety of mortgage contracts. Using a special Bank of Italy survey on … 400 Italian banks over the period 2006-2013, we analyse the supply of ‘non-conventional' mortgages (loan-to-value ratio … the degree of differentiation of mortgages across banks to examine how local market competition and bank …
Persistent link: https://www.econbiz.de/10012946373
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The Macroeconomic Impact of Basel III on the Italian Economy
Locarno, Alberto - 2011
This paper provides an assessment of the costs of complying with Basel III for the Italian economy. The main findings are the following. For each percentage point increase in the capital ratio implemented over an eight-year horizon, the level of GDP would decline by 0.00-0.33% (0.03-0.39% if...
Persistent link: https://www.econbiz.de/10013124760
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Basel III : Long-Term Impact on Economic Performance and Fluctuations
Angelini, Paolo - 2011
We assess the long-term economic impact of the new regulatory standards (the Basel III reform), answering the following questions. (1) What is the impact of the reform on long-term economic performance? (2) What is the impact of the reform on economic fluctuations? (3) What is the impact of the...
Persistent link: https://www.econbiz.de/10013124761
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The Impact of the Sovereign Debt Crisis on the Activity of Italian Banks
Albertazzi, Ugo - 2012
We assess the effects of the sovereign debt crisis on Italian banks' activity using aggregate data on funding and loan rates, lending quantities and income statements for the period 1991-2011. We augment standard reduced-form equations for the variables of interest with the spread on 10-year...
Persistent link: https://www.econbiz.de/10013099517
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An Inquiry into the Determinants of the Profitability of Italian Banks
Albertazzi, Ugo - 2017
This paper examines the history and the determinants of bank profits in Italy from 2005-15. We first identify a number of key stylized facts by comparing the income statement of Italian lenders with that of banks in other European countries. The comparison suggests that the profitability gap of...
Persistent link: https://www.econbiz.de/10012962982