We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine … analysis is based on a unique data set of household mortgage applications from September 2012 until January 2014. Our … assessment of risk exposure among mortgage borrowers in Switzerland is highly sensitive to the underlying assumptions on mortgage …

I develop a structural model of mortgage demand and lender competition to study how leverage regulation affects the … equilibrium in the UK mortgage market. Using variation in risk-weighted capital requirements across lenders and across mortgages … increases the interest rate by 10 percent for the average mortgage product. The estimated model implies that heterogeneous …

bank sends a letter before the annual reset containing advance information on the expected change in mortgage payments. We …

The exact cause of the massive defaults and foreclosures in the U.S. subprime mortgage market is still unclear. This … a role. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage … borrowers who took out mortgages in 2006 or 2007 and match these measures to objective data on mortgage characteristics and …

The exact cause of the massive defaults and foreclosures in the U.S. subprime mortgage market is still unclear. This … a role. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage … borrowers who took out mortgages in 2006 or 2007 and match these measures to objective data on mortgage characteristics and …

Using matched microdata for the UK, I estimate two distinct channels via which credit supply shocks affect mortgage … constrained borrowers are amplified by a simultaneous loosening in mortgage spreads and in credit availability at high loan to …