decisively on prevailing loan-to-value (LTV) ratios in mortgage markets with borrowing constrained households. Utilizing a smooth … housing sector in times of high LTV ratios, which, through changes in mortgage lending and mortgage equity withdrawals (MEWs …

simulation suggests that the amortization scheme known as SAC for the mortgage system is a better choice in nearly two-thirds of … should acknowledge this level of uncertainty by including explicit mortgage renegotiations within shorter periods. …

price changes on mortgage credit supply. Based on approximately 33 million real estate online listings, we construct a … isolate the effect on mortgage credit supply by all local German banks. First, a RETT hike by one percentage point reduces HPI … the RETT leads to a 1.4% decline in mortgage lending. This transmission of fiscal policy to mortgage credit supply is …

This paper uses mortgage data to construct a measure of terms on which households access to external finance, and … spread paid by risky borrowers in the mortgage market. There is evidence that the terms of access to external finance matter …

This paper uses a unique data set on more than 600,000 mortgage contracts to estimate a credit supply function which … are suggestive of considerable risk heterogeneity with riskier borrowers penalised more for borrowing more. -- mortgage …

US, and indirect exposure through the liquidity provided to ABCP conduits. We find that banks with a higher exposure to …