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The consequences of mortgage credit expansion: evidence from the US mortgage default crisis
Mian, Atif; Sufi, Amir - In: The quarterly journal of economics 124 (2009) 4, pp. 1449-1496
Persistent link: https://www.econbiz.de/10003930478
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The consequences of mortgage credit expansion : evidence from the 2007 mortgage default crisis
Mian, Atif; Sufi, Amir - 2008
of recent U.S. house price appreciation and subsequent mortgage defaults. We identify the effect of shifts in the supply … of mortgage credit by exploiting within-county variation across zip codes that differed in latent demand for mortgages in … which we refer to as "disintermediation." The increase in disintermediation-driven mortgage supply to high latent demand zip …
Persistent link: https://www.econbiz.de/10003693338
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House prices, home equity-based borrowing, and the US household leverage crisis
Mian, Atif; Sufi, Amir - 2009
Persistent link: https://www.econbiz.de/10003876513
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House prices, home equity-based borrowing, and the US household leverage crisis
Mian, Atif; Sufi, Amir - In: The American economic review 101 (2011) 5, pp. 2132-2156
Persistent link: https://www.econbiz.de/10009302112
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House Prices, Home Equity-Based Borrowing, and the U.S. Household Leverage Crisis
Mian, Atif R. - 2010
Using individual-level data on homeowner debt and defaults from 1997 to 2008, we show that borrowing against the increase in home equity by existing homeowners is responsible for a significant fraction of both the sharp rise in U.S. household leverage from 2002 to 2006 and the increase in...
Persistent link: https://www.econbiz.de/10013151131
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House Prices, Home Equity-Based Borrowing, and the U.S. Household Leverage Crisis
Mian, Atif R. - 2010
Using individual-level data on homeowner debt and defaults from 1997 to 2008, we show that borrowing against the increase in home equity by existing homeowners is responsible for a significant fraction of both the rise in U.S. household leverage from 2002 to 2006 and the increase in defaults...
Persistent link: https://www.econbiz.de/10013152833
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House Prices, Home Equity-Based Borrowing, and the U.S. Household Leverage Crisis
Mian, Atif R. - 2009
Using individual-level data on homeowner debt and defaults from 1997 to 2008, we show that borrowing against the increase in home equity by existing homeowners is responsible for a significant fraction of both the sharp rise in U.S. household leverage from 2002 to 2006 and the increase in...
Persistent link: https://www.econbiz.de/10012463368
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The Political Economy of the U.S. Mortgage Default Crisis
Mian, Atif - 2008
during the crisis. Representatives from districts experiencing an increase in mortgage default rates are significantly more … likely to vote in favor of the AHRFPA. They are precise in responding only to mortgage related constituent defaults, and are …
Persistent link: https://www.econbiz.de/10012464179
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The Consequences of Mortgage Credit Expansion : Evidence from the 2007 Mortgage Default Crisis
Mian, Atif - 2008
of recent U.S. house price appreciation and subsequent mortgage defaults. We identify the effect of shifts in the supply … of mortgage credit by exploiting within-county variation across zip codes that differed in latent demand for mortgages in … which we refer to as "disintermediation." The increase in disintermediation-driven mortgage supply to high latent demand zip …
Persistent link: https://www.econbiz.de/10012464712
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Foreclosures, house prices, and the real economy
Mian, Atif; Sufi, Amir; Trebbi, Francesco - 2011
Persistent link: https://www.econbiz.de/10008822995