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Wealth inequality and the distributional effects of maximum loan-to-value ratio policy
Gatt, William - 2023
looking at the effect of a reduction in the maximum loan-to-value (LTV) ratio on homeownership rates, house prices and housing … is initially loose, allowing households to lever up against the collateral value of their housing. A reduction in the LTV … is the fall in house prices and the greater is the rise in the share of constrained homeowners and housing wealth …
Persistent link: https://www.econbiz.de/10014335097
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Income and Wealth Distribution : Overlooked Basics
Stern, Monte - 2016
This article reviews the distribution of income and wealth in the US from three basic perspectives that tend to be otherwise overlooked if the subject is framed primarily on the basis of the gross statistics: a) quantity and quality of work effort; b) quantity and quality of capital...
Persistent link: https://www.econbiz.de/10012982965
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Fitting parsimonious household-portfolio models to data
Hubar, Sylwia; Koulovatianos, Christos; Li, Jian - 2014
US data and new stockholding data from fifteen European countries and China exhibit a common pattern: stockholding shares increase in household income and wealth. Yet, there is a multitude of numbers to match through models. Using a single utility function across households (parsimony), we...
Persistent link: https://www.econbiz.de/10010428168
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Inequality, Relative Deprivation and Financial Distress - Evidence from Swedish Register Data
Roth, Paula - 2021
Several studies have linked rising insolvency rates to increasing inequality and argued that this might be explained by individuals’ desire to “Keep up with the Joneses”. Using unique administrative register data on individual insolvencies in Sweden, I test whether the probability to...
Persistent link: https://www.econbiz.de/10013247814
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Inequality, relative deprivation and financial distress: evidence from Swedish register data
Roth, Paula - 2020
Several studies have linked rising insolvency rates to increasing inequality and argued that this might be explained by individuals' desire to "Keep up with the Joneses". Using unique administrative register data on individual insolvencies in Sweden, I test whether the probability to become...
Persistent link: https://www.econbiz.de/10012385126
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What can we learn about household consumption expenditure from data on income and assets?
Eika, Lasse; Mogstad, Magne; Vestad, Ola Lotherington - 2020
A major difficulty faced by researchers who want to study the consumption and savings behavior of households is the lack of reliable panel data on household expenditures. One possibility is to use surveys that follow the same households over time, but such data are rare and they typically have...
Persistent link: https://www.econbiz.de/10012172449
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Mortgage market maturity and homeownership inequality among young households: a five-country perspective
Bicakova, Alena; Sierminska, Eva M. - 2008
specific effects of these characteristics determined by the institutional environment as well as the functioning of the housing …
Persistent link: https://www.econbiz.de/10010276611
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Mortgage market maturity and homeownership inequality among young households : a five-country perspective
Bičáková, Alena; Sierminska, Eva - 2008 - This version: February 2008
specific effects of these characteristics determined by the institutional environment as well as the functioning of the housing …
Persistent link: https://www.econbiz.de/10011631928
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Mortgage Market Maturity and Homeownership Inequality Among Young Households : A Five-Country Perspective
Bicakova, Alena; Sierminska, Eva - 2008
specific effects of these characteristics determined by the institutional environment as well as the functioning of the housing …
Persistent link: https://www.econbiz.de/10014219952
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Simulating the future of the Swedish baby-boom generations
Klevmarken, N. Anders; Bolin, Kristian; Eklöf, Matias; … - 2007
For the purpose of studying the consequences of the ageing of the Swedish population a group of scientists have enlarged the microsimulation model SESIM - originally developed at the Swedish Ministry of Finance - with modules that simulate health status, take up of sickness benefits, retirement,...
Persistent link: https://www.econbiz.de/10010321560