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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
This paper uses the newly constructed Luxembourg Wealth Study data to document cross-country variation in homeownership … rates and the homeownership-income inequality among young households in Finland, Germany, Italy, the UK and the US, and … relate it to cross-country differences in mortgage market maturity. We find that aside from Italy, homeownership rates and …
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
This paper uses the newly constructed Luxembourg Wealth Study data to document cross-country variation in homeownership … rates and the homeownership-income inequality among young households in Finland, Germany, Italy, the UK and the US, and … relate it to cross-country differences in mortgage market maturity. We find that aside from Italy, homeownership rates and …
Persistent link: https://www.econbiz.de/10014219952
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Mortgage market maturity and homeownership inequality among young households : a five-country perspective
Bičáková, Alena (contributor);  … - 2008
This paper uses the newly constructed Luxembourg Wealth Study data to document cross-country variation in homeownership … rates and the homeownership-income inequality among young households in Finland, Germany, Italy, the UK and the US, and … relate it to cross-country differences in mortgage market maturity. We find that aside from Italy, homeownership rates and …
Persistent link: https://www.econbiz.de/10003726010
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The impact of mortgage interest tax relief in the Netherlands, Sweden, Finland, Italy and Greece
Matsaganis, Manos; Flevotomou, Maria - 2007
Fiscal welfare, i.e. the use of the tax system to achieve social policy goals, is assuming ever greater importance throughout Europe and beyond. In housing, the favourable tax treatment of mortgage interest repayments has often coexisted alongside public programmes of housing benefit or social...
Persistent link: https://www.econbiz.de/10010291231
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Relative house price dynamics across euro area and US cities: convergence or divergence?
Hiebert, Paul; Roma, Moreno - 2010
This paper examines the time varying dispersion in city house price levels across the four biggest euro area countries compared with those in the United States. Using available city-level data over the period 1987-2008, it tests for price convergence and analyses key factors explaining price...
Persistent link: https://www.econbiz.de/10003973532
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Relative House Price Dynamics Across Euro Area and US Cities : Convergence or Divergence?
Hiebert, Paul - 2010
This paper examines the time varying dispersion in city house price levels across the four biggest euro area countries compared with those in the United States. Using available city-level data over the period 1987-2008, it tests for price convergence and analyses key factors explaining price...
Persistent link: https://www.econbiz.de/10013142991
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With (More Than) a Little Help from My Bank. Loan-to-Value Ratios and Access to Mortgages in Italy
Liberati, Danilo - 2016
This paper introduces a framework to jointly account for the affordability of the periodic repayment of the housing debt (income constraint) and of the initial deposit (budget constraint). An application to 2006-2012 micro-data on Italian households indicates that the improvement in the ability...
Persistent link: https://www.econbiz.de/10012994331
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From Few to Many : Product Differentiation in the Italian Mortgage Market
Del Prete, Silvia - 2017
Nowadays Italian borrowers can choose among a variety of mortgage contracts. Using a special Bank of Italy survey on 400 Italian banks over the period 2006-2013, we analyse the supply of ‘non-conventional' mortgages (loan-to-value ratio greater than 80 per cent, duration longer than 30 years...
Persistent link: https://www.econbiz.de/10012946373
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What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages
Badarinza, Cristian - 2016
The relative popularity of adjustable-rate mortgages (ARMs) and fixed-rate mortgages (FRMs) varies considerably both across countries and over time. We ask how movements in current and expected future interest rates affect the share of ARMs in total mortgage issuance. Using a nine-country panel...
Persistent link: https://www.econbiz.de/10013007484
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Homeownership rates, housing policies, and co-residence decisions
Grevenbrock, Nils; Ludwig, Alexander; Siassi, Nawid - 2023
Homeownership rates differ widely across European countries. We document that part of this variation is driven by … homeownership rates per household, homeownership rates per individual are very similar during the first part of the life cycle. To …
Persistent link: https://www.econbiz.de/10014339552