underwritten credit markets, increased student loan debt causes borrowing to increase, while in tightly underwritten markets …, increased student loan debt reduces the use of credit. These findings match predictions of a standard lifecycle model of …

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 …

inclusion of a broad set of loan-level controls and fixed effects. We also find that the spread between high and low credit …