This paper explores the importance of housing and mortgage market heterogeneity in 12 European countries for the …

real house price, residential investment and mortgage debt on the two sides of the Atlantic. Then, it presents evidence …

Which housing characteristics are important for understanding homeownership rates? How are housing characteristics … theories of homeownership? Using the English Housing Survey, we estimate a selection model of the allocation of properties to … correlations between rent-to-price ratios and homeownership rates. These patterns are consistent with, among others, hypotheses of …

. Increases in the stock of housing would reduce rents and house prices. A reduction in tax concessions for landlords would raise … rents and moderate house prices. Additional subsidies for owner-occupancy would tend to reduce rents and raise house prices …. Significant reductions in rents and house prices would follow a fall in the cost of housing, through, for example lower regulatory …

!reased demand for mortgage loans is caused by substitution from other forms of consumercredit. Contrary to results reported in the …

term interest rates, local and global money and credit developments, and the incidence of mortgage market deregulation …

paper establishes some innovative dynamic models, proposes a concept of net mortgage loan to net speculative gain ratios to … investigate the speculative behaviors and mortgage bubbles, and finally concludes some interesting results: The necessary …, and, the net mortgage loan to net speculative gain ratios subsequently exist, which approximately depict the potential …