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Mortgage indebtedness and household financial distress
Georgarakos, Dimitris; Lojschova, Adriana; … - 2010
towards mortgage indebtedness. We find that a given debt burden creates much higher distress in countries with fewer mortgage … holders relative to countries where a significant part of households uses mortgage debt. This effect is net of ppp …. - Mortgage debt ; credit markets ; financial distress ; household finance ; peer effects …
Persistent link: https://www.econbiz.de/10003971055
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Capital requirements, risk shifting and the mortgage market
Uluc, Arzu; Wieladek, Tomasz - 2017
We study the effect of changes to bank-specific capital requirements on mortgage loan supply with a new loan …
Persistent link: https://www.econbiz.de/10011647900
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Do reputable issuers provide better-quality securitizations?
Deku, Solomon Y.; Kara, Alper; Marqués Ibáñez, David - 2019
We examine the link between issuer reputation and mortgage-backed security (MBS) performance using a sample of 4 …
Persistent link: https://www.econbiz.de/10011975518
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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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Finance and growth in the EU
De Ávila, Diego Romero - 2003
deregulation and harmonisation of banking laws at the EU level has brought about on growth over the last 40 years. Our main …
Persistent link: https://www.econbiz.de/10009635911
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Liquidity constraints and demand for maturity the case of mortgages
Ferrari, Alessandro; Loseto, Marco - 2023
Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand elasticities to maturity and interest rate. We find that households are responsive to both contract terms: a 1% decrease in interest rate increases the average loan size by 0.22%...
Persistent link: https://www.econbiz.de/10014478506
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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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The great Irish (de)leveraging 2005-14
Lydon, Reamonn; McIndoe-Calder, Tara - 2017
. Notwithstanding historically low interest rates, we show that income shocks are the main factor contributing to mortgage repayment …
Persistent link: https://www.econbiz.de/10011647888
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Knightian uncertainty and credit cycles
Gerba, Eddie; Żochowski, Dawid - 2017
The Great Recession has been characterised by the two stylized facts: the buildup of leverage in the household sector in the period preceding the recession and a protracted economic recovery that followed. We attempt to explain these two facts as an information friction, whereby agents are...
Persistent link: https://www.econbiz.de/10011656163
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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