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Of proprietors and proletarians : inequality, household indebtedness, macroeconomic imbalances and the ownership society

Holzner, Mario; Jestl, Stefan - 2015

Persistent link: https://www.econbiz.de/10010517173

House prices, second mortgages and household savings : an empirical investigation for the Netherlands, 1987 - 1994

Rouwendal, Jan; Alessie, Rob - 2002

paper we study the effect of this developmenton the demand for second mortgages and on the savings of Dutch households. We … investigatethe effect of house prices on (i) the number and size of second mortgages, (ii) the savingsof owner-occupiers and (iii … for second mortgages.Savings of homeowners decrease when house prices accelerate. We find no evidence that inc …

Persistent link: https://www.econbiz.de/10011327548

Housing and mortgage dynamics : evidence from household surveys

Jansen, David-Jan - 2016

Persistent link: https://www.econbiz.de/10011545682

A micro view on home equity withdrawal and its determinants: Evidence from Dutch households

Ebner, André - In: Journal of housing economics 22 (2013) 4, pp. 321-337

Persistent link: https://www.econbiz.de/10010439328

Foreign currency borrowers in Austria : evidence from the Household Finance and Consumption Survey

Albacete, Nicolás; Lindner, Peter - In: Financial stability report 29 (2015), pp. 93-109

Persistent link: https://www.econbiz.de/10011296182

Debt relief and slow recovery : a decade after Lehman

Piskorski, Tomasz; Seru, Amit - In: Journal of financial economics 141 (2021) 3, pp. 1036-1059

Persistent link: https://www.econbiz.de/10012873148

Household deleveraging and saving rates : a cross-country analysis

Bouis, Romain - 2021

significantly related in some economies, but the relationship is driven by consumer credit, not by mortgages. Results therefore … lower mortgages …

Persistent link: https://www.econbiz.de/10012796301

Low interest rates and the distribution of household debt

Emiris, Marina; Koulischer, François - 2021

We study how changes in interest rates affect the borrowing of households and the distribution of debt within the population. In a model of household borrowing with credit constraints and endogenous house prices, we show that less constrained households with more pre-existing housing wealth...

Persistent link: https://www.econbiz.de/10012520376

The impact of borrower-based instruments on household vulnerability in Germany

Barasinska, Nataliya; Ludwig, Johannes; Vogel, Edgar - 2021 - This version: June 22, 2021

Excessive household borrowing has been identified as an important determinant of financial crises. Borrower-based macroprudential instruments have been proposed as a possible remedy. In Germany, two instruments have been available to macroprudential supervisors since 2017: a cap on the...

Persistent link: https://www.econbiz.de/10012589225

Dynastic home equity

Benetton, Matteo; Kudlyak, Marianna; Mondragon, John - 2022

Using a nationally representative panel of consumer credit records for the US from 1999 to 2021, we document a positive correlation between child and parent homeownership. We propose a new causal mechanism behind this relationship based on parents extracting home equity to help finance their...

Persistent link: https://www.econbiz.de/10013286209