borrowing and lending in the future, but technology has been reshaping consumer and mortgage lending for many years. During the … 1990s, computerization allowed mortgage lenders to reduce loanprocessing times and largely replace human-based assessments … housing boom was an endogenous response to widespread expectations of higher future house prices, as average mortgage sizes …

mortgage market in Luxembourg using data on the labour market and government interventions, as well as surveys of consumer … finances (HFCS). Our conclusions are twofold. At the aggregate level, the Luxembourg mortgage market is relatively well placed …