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Labour market praticipation and mortage related borrowing constraints
Bottazzi, Renata - 2004
This paper analyses the relationship between female labour market participation and mortgage commitments in life-cycle set up. In particular it examines whether a mortgage qualification constraint has any effect on female labour market participation. This is done by conditioning on the mortgage...
Persistent link: https://www.econbiz.de/10010293082
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The Impact of Bank Structure on Small Business and Small Farm Lending
Craig, Steven G.; Hardee, Polly T. - In: Journal of Entrepreneurial Finance 6 (2001) 1, pp. 59-83
This paper empirically explores the impact of bank size, holding company affiliation and the degree of branching on small business and farm lending through a conceptual analysis encompassing private information asymmetries inherent in these bank dependent borrowers. The study expands the...
Persistent link: https://www.econbiz.de/10011310375
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Mortgages and monetary policy
Garriga, Carlos; Kydland, Finn E.; Šustek, Roman - 2015
Mortgages are prime examples of long-term nominal loans. As a result, under incomplete asset markets, monetary policy …, have larger real effects than transitory shocks. The transmission is stronger under adjustable- than fixed-rate mortgages …
Persistent link: https://www.econbiz.de/10011381008
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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/10010325002
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Banking and Trading
Boot, Arnoud W.A.; Ratnovski, Lev - 2012
We study the effects of a bank’s engagement in trading. Traditional banking is relationship-based: not scalable, long-term oriented, with high implicit capital, and low risk (thanks to the law of large numbers). Trading is transactions-based: scalable, short-term, capital constrained, and with...
Persistent link: https://www.econbiz.de/10010326206
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Why do borrowers make mortgage refinancing mistakes?
Agarwal, Sumit; Rosen, Richard J.; Yao, Vincent - 2013
Refinancing a mortgage is often one of the biggest and most important financial decisions that people make. Borrowers need to choose the interest rate differential at which to refinance and, when that differential is reached, they need to take the steps to refinance before rates change again....
Persistent link: https://www.econbiz.de/10010352189
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Default, mortgage standards and housing liquidity
Head, Allen Charles; Sun, Hongfei; Zhou, Chenggang - 2016
with search in the housing market and defaultable long-term mortgages. In equilibrium, both sellers' asking prices and time …-to-sell increase with the relative size of their outstanding mortgages. In turn, the liquidity of the housing market associated with …
Persistent link: https://www.econbiz.de/10011583202
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Credit conditions, macroprudential policy and house prices
Kelly, Robert; McCann, Fergal; O'Toole, Conor - 2017
on macroprudential policy. Using loan-level data on Irish mortgages originated between 2003 and 2010, we construct a …
Persistent link: https://www.econbiz.de/10011984819
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Resolving a Non-Performing Loan crisis: the ongoing case of the Irish mortgage market
McCann, Fergal - 2018
resolution of the mortgage arrears crisis in Ireland. Using a large and close to exhaustive panel data set of Irish mortgages …
Persistent link: https://www.econbiz.de/10011984854
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Real effects of relaxing financial constraints for homeowners: Evidence from Danish firms
De Stefani, Alessia; Moertel, Julia - 2019
We study how a reduction in financial constraints faced by homeowners affects consumption, and in turn employment creation and the skill composition of the workforce over the business cycle. We leverage a wide set of Danish administrative registries, and implement a difference-in-differences...
Persistent link: https://www.econbiz.de/10012059486