Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand … interest rate increases the average loan size by 0.22% whereas a commensurable increase in maturity increases loan demand by 0 …

mortgage loan demand and supply determinants help explaining the observed dispersion. It turns out that some of the …Despite the remarkable economic and financial convergence over the last ten years in the euro area, mortgage interest … rates still differ across countries. This note presents some stylised facts on the heterogeneity of mortgage interest rates …

real house price, residential investment and mortgage debt on the two sides of the Atlantic. Then, it presents evidence …, (ii) credit supply and (iii) housing demand shocks on the housing market and the broader economy. We find that … clearcut for housing demand shocks. We also find that credit supply shocks matter more in the euro area. - Residential …

behaviour of Italian mortgage lenders using a novel loan-level dataset. When policy rates turn negative, banks with higher …