assets, particularly stocks. Using an instrumental variable approach and household survey data, I estimate a lower stock …To gain understanding on the role of institutional factors on households' demand for risky financial assets, this paper … market participation when the household's home equity is below the exemption level. However, I do not find a stronger …

Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand … interest rate increases the average loan size by 0.22% whereas a commensurable increase in maturity increases loan demand by 0 …

This paper discusses the evolution of the household debt in Australia and finds that while higher-income and higher … depending on the level of household debt. The results corroborate other work that households' response to monetary policy shocks …

test the effect of age and other variables on demand of debt. A national representative survey data of HIES (2001 … people was not significantly different from other cohorts. Education and household size positively affect the demand for debt …There is a need to identify household debt behaviour in different age cohorts even in countries without prominent …

-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for …Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between … household risk management: income volatility reduces the take-out of ARMs, while increasing duration and relative size of the …