Using detailed information on lobbying and mortgage lending activities, we find that lenders lobbying more on issues … related to mortgage lending (i) had higher loan-to-income ratios, (ii) securitized more intensively, and (iii) had faster … issues unrelated to mortgage lending, (ii) a difference-in-difference approach based on state-level laws, and (iii …

The Finnish housing market is volatile. After declining significantly as the global financial crisis unfolded, housing … line with the model estimates. Housing market volatility is exacerbated by fluctuations in the wider economy, which given … its size and openness is vulnerable to external shocks. Structural features of the housing market also make it prone to …

determines when the land premium paid by a developer is substantially higher than the market value, whether and how this "paper … loss" will affect the pricing of the housing products and development time of the project in future development. We use a … pattern in housing markets. …