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Using Bankruptcy to Reduce Foreclosures : Does Strip-Down of Mortgages Affect the Supply of Mortgage Credit?
Li, Wenli - 2014
We assess the credit market impact of allowing mortgage “strip-down” as a foreclosure-prevention measure, where strip …-term reduction in mortgage interest rates and a small, short-term increase in mortgage approval rates, but no long-term effects, and … the circuit court decisions did not consistently affect mortgage terms. These results suggest that strip-down would be an …
Persistent link: https://www.econbiz.de/10013054958
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Supply Restrictions, Subprime Lending and Regional US House Prices
Anundsen, André K. - 2015
, mortgage credit constraints and a price-to-price feedback loop affects house price volatility. Considering 247 Metropolitan …
Persistent link: https://www.econbiz.de/10013025976
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The Great Mortgaging : Housing Finance, Crises, and Business Cycles
Jordà, Òscar - 2015
course of the 20th century, driven by a sharp rise of mortgage lending to households. Household debt to asset ratios have …
Persistent link: https://www.econbiz.de/10013032225
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How Do Banks and Households Manage Interest Rate Risk? Evidence from the Swiss Mortgage Market
Basten, Christoph - 2017
We exploit a unique data set that features both un-intermediated mortgage requests and independent offers from multiple … current mortgage payments over the risk of possible hikes in future mortgage payments. We also provide evidence that banks do … influence the contracted mortgage rate fixation periods, trading off their own exposure to interest rate risk against the …
Persistent link: https://www.econbiz.de/10012946926
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Health Insurance Coverage and Health Care Utilization : Evidence from the Affordable Care Act's Dependent Coverage Mandate
Yoruk, Baris - 2017
This paper investigates the impact of the Affordable Care Act's (ACA's) dependent coverage mandate on health insurance coverage rates and health care utilization among young adults. Using data from the Medical Panel Expenditure Survey, I exploit the discontinuity in health insurance coverage...
Persistent link: https://www.econbiz.de/10012963593
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Does Legalization of Sunday Alcohol Sales Increase Crime?
Lee, Jung - 2014
Recently, several states repealed their laws restricting the sale of alcohol on Sundays. We investigate the effect of this policy change on crime trends in seven states using data from FBI's National Incident-Based Reporting System (NIBRS). We identify the impact of the legalization of Sunday...
Persistent link: https://www.econbiz.de/10013043184
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Bismarck's Health Insurance and the Mortality Decline
Bauernschuster, Stefan - 2018
We study the impact of social health insurance on mortality. Using the introduction of compulsory health insurance in the German Empire in 1884 as a natural experiment, we estimate flexible difference-in-differences models exploiting variation in eligibility for insurance across occupations. Our...
Persistent link: https://www.econbiz.de/10012932916
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Evaluating Nationwide Health Interventions When Standard Before-After Doesn't Work : Malawi's ITN Distribution Program
Deuchert, Eva - 2010
Nationwide health interventions are difficult to evaluate as contemporaneous control groups do not exist and before-after approaches are usually infeasible. We propose an alternative semi-parametric estimator that is based on the assumption that the intervention has no direct effect on the...
Persistent link: https://www.econbiz.de/10013144025
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Seasonality in Smoking Behaviour : Re-Evaluating the Effects of the 2005 Public Smoking Ban in Italy
Bono, Emilia Del; Grünberger, Klaus; Vuri, Daniela - 2021
This paper investigates the impact of the public smoking ban which came into effect in Italy on January 2005 on individual smoking behaviour. Current empirical evidence supports the existence of a negative effect of the Italian ban on smoking prevalence and consumption in the general population....
Persistent link: https://www.econbiz.de/10013315560
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Does Long-Term Care Subsidisation Reduce Unnecessary Hospitalisations?
Costa-Font, Joan - 2017
One of the intended effects of an integrated network of long-term care (LTC) services lies in the reduction of (unnecessary) health care utilisation. This paper draws upon the quasi-experimental evidence from Spain to examine the causal effect of the expansion of affordable long-term care (LTC)...
Persistent link: https://www.econbiz.de/10012967685