One suggested hypothesis for the dramatic rise in household borrowing that preceded the financial crisis is that low … households. Using household level data on debt accumulation during 2001-2012, we show that low-income households in high …-inequality regions than high-inequality regions. We confirm the predictions of the model using data on individual mortgage applications …

Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries …, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis …. Using household survey data for 2005, 2006, and 2007 for both old and new European Union members, this paper assesses the …

Using comparable survey data from twelve European countries we investigate households' attitudes towards mortgage … households have a mortgage outstanding relative to countries where a sizeable part of the population uses mortgage debt, like the … socioeconomic characteristics, housing traits, country-specific constant terms, and household unobserved heterogeneity. We attribute …

income. The goal of this paper is to test for the effect of mandatory pensions on discretionary household savings. The data … households. The survey contains rich information on house-hold wealth, pension rights and savings attitudes. A result of the … pensions have a significant negative impact on savings motives with respect to old age. Concerning the effect on household …

have larger incentives to save for old age than their husbands. This paper analyses the household members? attitudes … towards saving for old age, and the relation with the household saving and portfolio choice behaviour. Based on a panel of two …-person households (e.g. with a husband and a wife) from the Dutch CentER Savings Survey, we find that wives find saving for old age more …

international wage differentials and preferences for origin. We use a model of job search, savings and migration to show that job …

-migrant. Although migrants lose their original social networks whilst overseas, savings and human capital accumulation acquired abroad …

situation can be closely monitored, but that it might be a very important complement when savings inhibit observing financial …

increase savings, they are unavailable to the millions of people worldwide who not have a formal wage bill. Self-help peer … first experiment finds that self-help peer groups are very potent at increasing savings. In contrast, a more classical … tool to encourage savings. …

the savings rate is not homogeneous. On average, the effect attributed to real estate dominates the other components of … wealth. In addition, the savings rate strongly responds to demographic trends. Besides the direct impact of the age structure …, an indirect effect arises through the accumulation of wealth. The savings rate does not decrease with age in a monotonic …