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Mortgage supply and the US Housing boom : the role of the Community Reinvestment Act
Saadi, Vahid - 2018
enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census … in mortgage supply of regulated banks. Consequently, these census tracts experienced a worse housing bust. I find that …
Persistent link: https://www.econbiz.de/10012065070
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Mortgage supply and the US Housing boom : the role of the Community Reinvestment Act
Saadi, Vahid - 2019 - This version: October 2019
enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census … in mortgage supply of regulated banks. Consequently, these census tracts experienced a worse housing bust. I find that …
Persistent link: https://www.econbiz.de/10012122488
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Mortgage supply and the US housing boom : the role of the community reinvestment act
Saadi, Vahid - 2016
points increase in annual growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census tracts relative to a … the CRA, however, do not show any change in their mortgage supply between these two types of census tracts after 1998. I … take advantage of this exogenous shift in mortgage supply within an instrumental variable framework to identify the causal …
Persistent link: https://www.econbiz.de/10011570577
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Mortgage supply and the US Housing boom : the role of the Community Reinvestment Act
Saadi, Vahid - In: Essays in empirical banking, (pp. 9-57). 2017
enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census … in mortgage supply of regulated banks. Consequently, these census tracts experienced a worse housing bust. I find that …
Persistent link: https://www.econbiz.de/10012268084
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Institutional investors and the U.S. housing recovery
Lambie-Hanson, Lauren; Li, Wenli; Slonkosky, Michael - 2019
mortgage crisis, which, in contrast to the preceding housing boom, was not accompanied by a rise in homeownership rates. Using … declines in the homeownership rates …
Persistent link: https://www.econbiz.de/10012197788
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Non-Primary Home Buyers, Shadow Banking, and the US Housing Market
Alter, Adrian; Dernaoui, Zaki - 2021
This paper studies the US housing market using a proprietary and comprehensive dataset covering nearly 90 million residential transactions over 1998-2018. First, we document the evolution of different types of investment purchases such as those conducted by short-term buyers, out-of-state...
Persistent link: https://www.econbiz.de/10013315117
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Housing-consumption channel of mortgage demand
Ahlfeldt, Gabriel M.; Szumilo, Nikodem; Tripathy, Jagdish - 2024
We quantify the housing-consumption channel in mortgage demand according to which households borrow more following … a structural approach to mortgage demand and supply, exploiting exogenous variation in house-price growth and a unique … dataset with matched transaction-price and mortgage information. We estimate an elasticity of mortgage borrowing to house …
Persistent link: https://www.econbiz.de/10014637339
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Mortgage supply and the US housing boom: The role of the Community Reinvestment Act
Saadi, Vahid - 2019
enhancement in CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census … in mortgage supply of regulated banks. Consequently, these census tracts experienced a worse housing bust. I find that …
Persistent link: https://www.econbiz.de/10012140500
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Real Rate Inflation-Indexed Mortgages : A Housing Market Stabilization Proposal
Barrull, Xavier - 2011
The most frequent mortgage loans in the US behave according to nominal interest rates with level loan payments (NRMs … increase of real payments in the early years of the mortgage due to higher inflation (Lessard and Modigliani, 1975), causes …
Persistent link: https://www.econbiz.de/10013131594
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The drivers of Norway's house prices
Sila, Urban - 2020
In this paper, we explore the drivers of house prices in Norway, using a cross-country panel framework. Empirical results confirm that house prices are determined by numerous demand and supply factors, including income, demographics, macroeconomic conditions, stock of housing and institutional...
Persistent link: https://www.econbiz.de/10012203289