---that lowers the probability that a household refinances in a given period at any incentive. We estimate the model on high …-quality administrative panel data from Denmark, where mortgage refinancing without cash-out is unconstrained. Middle-aged and wealthy …

post-retirement motives to affect household behavior while the number and age of all children can affect the marginal …

the financial cost of refinancing). We estimate the model on high-quality administrative panel data from Denmark, where …

/methodology/approach: The study uses 2063 consumers’ data from a survey in Denmark and Spain, and multigroup structural equation modelling to …

household panel for the period 2010-2011. Interestingly, from a public health perspective our findings suggest that there is an …