Data Point provides a closer look at borrowers' use of credit as they approach and make their final student loan payments … preceding the payoff. In the same month as the payoff, these borrowers also reduce their credit card balances and make large …

We study how monetary conditions change the supply by banks of mortgage credit to households. We exploit the widespread … presence of foreign currency mortgages in Hungary and study this country`s comprehensive credit registry. Changes in monetary … conditions not only affect the supply of credit in volume, but also in its currency and risk composition. Hence, we establish a …