A limited understanding of mortgage contracts and the risks involved may have contributed to the origination of the … financial crisis. We have designed a special questionnaire to relate mortgage loan decisions to financial literacy and financial … advice. Our findings show that homeowners seem well aware of mortgage risks. Loans are perceived more risky when they are …

We study the impact of changes in recourse legislation on mortgage defaults. Romania provides us with an ideal … experimental setting to identify this impact. Using a large dataset of mortgage loans granted between 2003 and 2016, we exploit an …

We examined the mortgage interest tax relief (MIR) system in the Netherlands and reforms to this system, based on …

This paper estimates demand and supply of mortgage credit by using a hierarchical trend model. The empirical analysis … collateral values. The common trend in the loan equation, a proxy for the changes in demand and supply of mortgage credit over … time, suggests a large decline in mortgage demand and supply after 2007. The common trend in the collateral value equation …

affected the impact of (euro area and foreign) monetary policy on mortgage lending in Ireland and the Netherlands, which are … 2003-2018, we find that restrictive euro area monetary policy shocks reduce the growth of mortgage lending. We find …

trends in a causal way. In the model, exogenous downward pressure on real interest rates increases the share of mortgage … investments. Consequently, the interbank market for mortgage securities becomes more liquid. This increases funding liquidity and … shadow banks gain comparative advantage over regulated banks with respect to the supply of mortgage loans. In relative terms …

Using loan level data on mortgage loans originated by Dutch banks during 1996 to 2015, we analyse the determinants of … mortgages with government-loan-guarantees perform better. Moreover, several mortgage loan and borrower characteristics, such as … set to about 70%-80% for uninsured mortgages, and to about 90% for those with mortgage insurance …