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Asset prices, collateral and bank lending : the case of Covid-19 and real estate
Horan, Aoife; Jarmulska, Barbara; Ryan, Ellen - 2023
Our paper uses credit registry data for the euro area to examine how the banking system transmits asset price shocks to credit via revaluation of collateral and subsequent lending decisions. Specifically we examine banks' treatment of real estate collateral during the Covid-19 crisis. First we...
Persistent link: https://www.econbiz.de/10014342272
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Macroprudential policy and the role of institutional investors in housing markets
Muñoz, Manuel A. - 2020
Since the onset of the Global Financial Crisis, the presence of institutional investors in housing markets has steadily increased over time. Real estate funds (REIFs) and other housing investment rms leverage large-scale buy-to-rent investments in real estate assets that enable them to set...
Persistent link: https://www.econbiz.de/10012259387
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Mortgage borrowing limits and house prices : evidence from a policy change in Ireland
Higgins, Brian E. - 2024
This paper studies how mortgage borrowers and house prices react to a tightening of mortgage limits following a policy … leverage (LTV) of the mortgage. Using a difference-in-difference methodology, I find that groups of (poorer) borrowers, who …-to-value threshold, responded primarily by reducing the LTV of the mortgage. Borrowers who purchase cheaper houses could be buying …
Persistent link: https://www.econbiz.de/10014490418
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How repayments manipulate our perceptions about loan dynamics after a boom
Adalid, Ramón; Falagiarda, Matteo - 2018
euro area, repayments of the mortgage loans granted in the boom preceding the financial crisis have been dragging down net …
Persistent link: https://www.econbiz.de/10011958891
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Government loan guarantees, market liquidity, and lending standards
Ahnert, Toni; Kuncl, Martin - 2022
-sponsored mortgage guarantees by Fannie Mae and Freddie Mac. …
Persistent link: https://www.econbiz.de/10013342211
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Household risk management and actual mortgage choice in the euro area
Ehrmann, Michael; Ziegelmeyer, Michael - 2014
Persistent link: https://www.econbiz.de/10010239894
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Fixed rate versus adjustable rate mortgages : evidence from euro area banks
Albertazzi, Ugo; Fringuellotti, Fulvia; Ongena, Steven - 2019
mortgage-backed securities is more widespread. …
Persistent link: https://www.econbiz.de/10012114984
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Home, safe home : cross-country monitoring framework for vulnerabilities in the residential real estate sector
Bengtsson, Elias; Grothe, Magdalena; Lepers, Etienne - 2017
This paper proposes a framework for monitoring vulnerabilities related to the residential real estate sector in a cross-country context. The framework might be useful for complementing or cross-checking signals available from existing approaches. It takes into account three dimensions of real...
Persistent link: https://www.econbiz.de/10011710115
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Bank lending in the knowledge economy
Dell'Ariccia, Giovanni; Kadyrzhanova, Dalida; Minoiu, … - 2020
reallocation increased the riskiness of banks' mortgage lending. …
Persistent link: https://www.econbiz.de/10012241166
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Monetary policy transmission to mortgages in a negative interest rate environment
Amzallag, Adrien; Calza, Alessandro; Georgarakos, Dimitris - 2019
behaviour of Italian mortgage lenders using a novel loan-level dataset. When policy rates turn negative, banks with higher …
Persistent link: https://www.econbiz.de/10011975610