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Stress testing the German mortgage market

Barasinska, Nataliya; Haenle, Philipp; Koban, Anne; … - 2019

This paper presents a framework for estimating losses in the residential real estate mortgage portfolios of German …-trigger hypothesis of mortgage defaults. In order to analyse the possible credit losses stemming from residential mortgage lending we … to 2020 for the whole German banking sector. Our results show that loss rates in the residential mortgage portfolios of …

Persistent link: https://www.econbiz.de/10012012997

Entrepreneurial finance, home equity, and monetary policy

Jackson, Paul; Madison, Florian - 2019

We model entrepreneurial finance using a combination of fiat money, traditional bank loans, and home equity loans. The banking sector is over-the-counter, where bargaining determines the pass-through from the nominal interest rate to the bank lending rate, characterizing the transmission channel...

Persistent link: https://www.econbiz.de/10011993690

Making use of home equity : the potential of housing wealth to enhance retirement security

Bravo, Jorge Miguel Ventura; Ayuso, Mercedes; Holzmann, … - 2019

amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We …

Persistent link: https://www.econbiz.de/10012120692

Liquidity constraints in the U.S. housing market

Gorea, Denis; Midrigan, Virgiliu - 2019

reasons, anticipating the possibility of income declines and the need to make mortgage payments in future periods. Mortgage …

Persistent link: https://www.econbiz.de/10012123224

House rent : price ratios : an international comparison

Chinloy, Peter; Cho, Man; Song, Inho - In: The journal of real estate research 40 (2018) 3, pp. 347-374

Persistent link: https://www.econbiz.de/10011942994

Bargaining, mortgage financing, and housing prices

Bian, Xun; Lin, Zhenguo; Liu, Yingchun - In: The journal of real estate research 40 (2018) 3, pp. 419-451

Persistent link: https://www.econbiz.de/10011943009

Macro to the rescue? : an analysis of macroprudential instruments to regulate housing credit

Falter, Alexander - 2019

of macroprudential instruments addressing mortgage credit. The model compares the introduction of a loan-to-value ratio …

Persistent link: https://www.econbiz.de/10012034723

Housing market regulation has contributed to the worldwide triumph of home ownership

Cholodilin, Konstantin Arkadʹevič; Kohl, Sebastian - In: DIW weekly report : economy, politics, science : a … 9 (2019) 38, pp. 345-352

The present report presents new historical data based on country comparisons and research results regarding rent control and its long-term effect on the home ownership rate in 27 countries. Policy measures of rent control, protection against eviction, and housing space management have been...

Persistent link: https://www.econbiz.de/10012110819

Leverage, consumer finance, and housing prices in China

Guo, Ye; Xu, Wenbin; Zhang, Zhiyuan - In: Emerging markets finance & trade : a journal of the … 52 (2016) 1/3, pp. 461-474

Persistent link: https://www.econbiz.de/10011562488

An analysis of default risk in the Home Equity Conversion Mortgage (HECM) program

Moulton, Stephanie; Haurin, Donald R.; Shi, Wei - In: Journal of urban economics 90 (2015), pp. 17-34

Persistent link: https://www.econbiz.de/10011563448