-optimize their debt structure by using parts of withdrawn home equity to pay down comparatively expensive non-mortgage debt during a …

can affect household decisions through the cost of new mortgage borrowing and the value of payments on outstanding debt …Mortgages are prime examples of long-term nominal loans. As a result, under incomplete asset markets, monetary policy …, have larger real effects than transitory shocks. The transmission is stronger under adjustable- than fixed-rate mortgages …

We study the relationship between homebuyers' beliefs about future house price changes and their mortgage leverage … choices in the U.S. housing market. Our data combine mortgage financing information and a housing market expectations survey …

Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries …, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis …. Using household survey data for 2005, 2006, and 2007 for both old and new European Union members, this paper assesses the …

Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries …, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis …. Using household survey data for 2005, 2006, and 2007 for both old and new European Union members, this paper assesses the …

The Danish financial sector is big and there is a high degree of inter-connectedness between banks, mortgage …

analysis is based on a unique data set of household mortgage applications from September 2012 until January 2014. Our … costs, household income and house value. Our main results suggest that the exposure of mortgage borrowers to interest rate …We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine …