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Household risk management and actual mortgage choice in the euro area

Ehrmann, Michael; Ziegelmeyer, Michael - 2014

Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between …-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for … how the easing of monetary policy during the financial crisis affected mortgage holders. It shows that the resulting …

Persistent link: https://www.econbiz.de/10010235889

Household Risk Management and Actual Mortgage Choice in the Euro Area

Ehrmann, Michael - 2014

Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between …-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for … exercise to identify how the easing of monetary policy during the financial crisis affected mortgage holders. It shows that the …

Persistent link: https://www.econbiz.de/10013060536

Mortgage securities as funding source for mortgage loans in the European Union

Stefanović, Saša; Hanić, Hasan; Erić, Dejan - In: Economic analysis : EA 48 (2015) 1/2, pp. 69-85

Persistent link: https://www.econbiz.de/10012063311

Subprime cities : the political economy of mortgage markets

Aalbers, Manuel (ed.) - 2012

"Subprime Cities: The Political Economy of Mortgage Markets presents a collection of works from social scientists that … offer important insights into what is happening in today's mortgage market including the causes, effects, and aftermath of … the 'subprime' mortgage crisis"-- …

Persistent link: https://www.econbiz.de/10009514047

Inflation-induced liquidity constraints in real estate financing

Gubitz, Andrea; Toedter, Karl-Heinz; Ziebarth, Gerhard - 2024

lending guidelines, and demand in housing construction and mortgage lending has plummeted. Against this background, the paper …

Persistent link: https://www.econbiz.de/10014527124

Structured finance influence on financial market stability : evaluation of current regulatory developments

Schütz, Sebastian A. - 2010

In 2007 the world faced one of the biggest financial crises ever. It was the third important financial crisis in the last 12 years. Spillovers to the real economy and moral hazard behaviour of carpetbaggers resulted in enormous pressure on worldwide political institutions to approve a more...

Persistent link: https://www.econbiz.de/10008695393

Market Perceptions of US and European Policy Actions Around the Subprime Crisis

Grammatikos, Theoharry - 2013

This paper explores the impacts of key policy actions by US and European authorities on stock returns of systemically important banks in Europe and US around the subprime crisis. We find that the US policy announcements had a stronger impact on the European and US banking industry than the...

Persistent link: https://www.econbiz.de/10013090422

Did the Basel Process of Capital Regulation Enhance the Resiliency of European Banks?

Gehrig, Thomas - 2018

This paper analyses the evolution of the safety and soundness of the European banking sector during the various stages of the Basel process of capital regulation. In the first part we document the evolution of various measures of systemic risk as the Basel process unfolds. Most strikingly, we...

Persistent link: https://www.econbiz.de/10012910412

The Subprime Crisis Once Again, Z-Score or Rating : A Study on Banks of the Euro Zone

Taleb, Lotfi - 2020

This article focuses on the study of the impact of prudential banking regulations on the risk of bank failures in the Eurozone during the subprime financial crisis. Two indicators of bankruptcy risk measures are used:(i) the Z-score and (ii) the rating. The methodology adopted consists of making...

Persistent link: https://www.econbiz.de/10012852629

Deciphering the Libor and Euribor Spreads During the Subprime Crisis

Pelizzon, Loriana - 2015

This paper investigates the key role played by different factors, such as the use of Asset Backed Commercial Paper as collaterals in the short-term debt market, credit risk and the injection of liquidity by Central Banks through so-called unconventional measures, on the persistent spread during...

Persistent link: https://www.econbiz.de/10013035390

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