macroprudential supervisors since 2017: a cap on the loan-to-value (LTV) ratio and an amortization requirement, but none of them has … hypothetical activation shows that the introduction of a cap on the loan-to-value (LTV) ratio of new mortgage loans in Germany …

The global financial crisis heralded a new era of macroprudential mortgage regulations such as loan-to-value and loan …-time buyers. In this paper, we examine the introduction of a direct public mortgage, the Rebuilding Ireland Home Loan, which aims … regulatory framework. The scheme enables these lower to middle-income borrowers to access mortgage credit and thus directly …

policies. Heterogeneous households have access to mortgages and unsecured credit and can default separately on both types of …

associated with the liquidation of collateralized debt. Using the mortgage market as a laboratory, we conjecture that lenders … with a large share of outstanding mortgages on their balance sheets internalize the negative spillovers associated with the … liquidation of defaulting mortgages and are thus less inclined to foreclose. Consistent with our conjecture, lenders are less …

results highlight the role played by mortgage markets in absorbing displacement shocks triggered by globalization …

-changing regulation impacted mortgage lending and risk. Our paper uses changes in regulatory treatment discontinuities associated with …

lending activities, mortgage and corporate lending. For all borrowers (households, firms, and banks) external financing takes …

capital into banks versus a policy to relieve households of mortgage debt. He concludes that in the middle of a housing debt …