We examine the closeness of relationships between households and their mortgage lenders using survey data which provide …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … compare mortgage relations and non-mortgage relations for the same households. We find that mortgage relations are used for a …

% for home-owning households and 40% for mortgage holders. Even though defaults have so far been limited, mortgage … the loanto- value ratio reduced significantly below 100% and housing subsidies to homeownership cut more decisively. This …

This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … to 2020 for the whole German banking sector. Our results show that loss rates in the residential mortgage portfolios of …

This paper studies the link between banks' geographic concentration and the growth in mortgage lending during the boom … concentrated banks experience less excessive expansion and contraction in mortgage supply during the boom and the following bust …

in mortgage default rates between high- and low-ESG banks, rejecting an alternative explanation based on differential …

We investigate the role of mortgage switching costs in shaping the households' decision to change their main bank. To … reform that exogenously slashed down the mortgage switching costs. The empirical evidence, which survives to a variety of …

We exploit a unique dataset that features both un-intermediated mortgage requests and independent responses from … current mortgage payments over insurance against future rate increases. Contrary to assumptions in the previous literature, we …