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Mortgage debt, hand-to-mouth households, and monetary policy transmission
Agarwal, Sumit; Deng, Yongheng; Gu, Quanlin; He, Jia; … - In: Review of finance : journal of the European Finance … 26 (2022) 3, pp. 487-520
Persistent link: https://www.econbiz.de/10013253815
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Age of decision : pension savings withdrawal and consumption and debt response
Agarwal, Sumit; Pan, Jessica; Qian, Wenlan - In: Management science : journal of the Institute for … 66 (2020) 1, pp. 43-69
Persistent link: https://www.econbiz.de/10012156560
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Mortgage refinancing, consumer spending, and competition : evidence from the Home Affordable Refinance Program
Agarwal, Sumit; Amromin, Gene; Chomsisengphet, Souphala; … - In: The review of economic studies : RES 90 (2023) 2, pp. 499-537
Persistent link: https://www.econbiz.de/10014319949
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Consumption and debt response to unanticipated income shocks : evidence from a natural experiment in Singapore
Agarwal, Sumit; Qian, Wenlan - In: The American economic review 104 (2014) 12, pp. 4205-4230
Persistent link: https://www.econbiz.de/10011436616
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Do minimum wage increases benefit intended households? : evidence from the performance of residential leases
Agarwal, Sumit; Ambrose, Brent William; Diop, Moussa - 2019
Prior studies debating the effects of changes to the minimum wage concentrate on impacts on household income and … tracks household rental payments …
Persistent link: https://www.econbiz.de/10012059019
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Benefits of relationship banking : evidence from consumer credit markets
Agarwal, Sumit; Chomsisengphet, Souphala; Liu, Chunlin; … - In: Journal of monetary economics 96 (2018), pp. 16-32
Persistent link: https://www.econbiz.de/10012108989
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Why do borrowers make mortgage refinancing mistakes?
Agarwal, Sumit; Rosen, Richard Joseph; Yao, Wenxiong - In: Management science : journal of the Institute for … 62 (2016) 12, pp. 3494-3509
Persistent link: https://www.econbiz.de/10011626400
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Systematic mistakes in the mortgage market and lack of financial sophistication
Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - In: Journal of financial economics 123 (2017) 1, pp. 42-58
Persistent link: https://www.econbiz.de/10011725180
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Systematic mistakes in the mortgage market and lack of financial sophistication
Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - 2016
Institutions often offer a menu of contracts to consumers in an attempt to create a separating equilibrium that reveals borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market: mortgage points. Points allow borrowers to exchange...
Persistent link: https://www.econbiz.de/10011962222
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Liquidity Constraint Threat and Household Indebtedness
Agarwal, Sumit; Qian, Wenlan; Zou, Xin - 2023
effectiveness of a consumer financial regulation aiming to reduce household unsecured debt accumulation. A threat of suspending all …
Persistent link: https://www.econbiz.de/10014350728