/Value - household borrowing, the credit market and the P2P platforms are widely analysed by both academics and financial institutions …Purpose - to analyse the main borrowing alternatives available to Lithuanian households and the credit market as a … macroeconomic environment for all the credit market segments is the same, the P2P segment is developing significantly faster. If …

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

between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic … growth. However, accurately measuring the household debt burden remains problematic. Aggregate measures of household … indebtedness (e.?g. household liabilities relative to income) fail to fully capture the debt servicing burdens of households …

This paper studies a type of mortgage applications in which household applicants reject offers from lenders. We find …

systemic risk caused by the developing gap between the growth of household indebtedness and the growth in real estate prices …. The paper recapitulates the main factors of the growth rate of household indebtedness and the extent to which the adopted …

credit risk assessment and control. …This paper examines to what extent household leverage - as measured by the debt-to-income (DTI) ratio - predicts … delinquency in Peru's consumer credit market. A model is estimated to assess the relation between delinquency and the DTI ratio …

This paper shows, using data from the Family Income and Expenditure Survey, that housing credit has become increasingly … housing and enabled them to do so at an earlier age. However, it also shows that the greater availability of housing credit … of housing credit has been accompanied by a pronounced shift from fixed-rate to variablerate housing loans. This is cause …

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …

study the effects of positive and negative credit supply (CS) shocks on subsequent household defaults on debt over the last … lead to greater household defaults in the future if they also increase mortgage-to-income ratios. We show that the CS shock …-induced (i) shifts of employment between the tradable and non-tradable sectors, (ii) changes in household income and (iii) in …