This paper investigates the main individual driving forces of Hungarian household credit risk and measures the … gathered by the Magyar Nemzeti Bank (MNB) in January 2007. Our study presents three alternative ways of modelling household … testing. Our results suggest that the main individual factors affecting household credit risk are disposable income, the …

. For example, FX lending to households is virtually non-existent in the Czech is close to 100 per cent of total household … (2) to try to explain these differing patterns in an econometric model. In order to do so, a panel database of household … household FX borrowing depends on the interest rate differential, the institutional features of mortgage financing and the …

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 …

Using Danish household level data, we find that a relatively large share of total interest-only mortgage debt is held …

group control over delinquency: group incentives; group actions; group composition; and their relationship to household … delinquency than household deviation from group mean returns, highlighting the importance of risk management by households and …