of credit risk. This analysis relies on a dataset that contains information on the economic and financial decisions of …In this paper we disentangle the impact of household financial constraints on mortgage rate from a number of dimensions … are able to bargain for lower mortgage rates. However, contrary to other studies, the risk profile does not have a …

an innovative approach to identifying households likely in need of credit to investigate the effect on household spending … renters more than homeowners, with the strongest effects for households that likely need credit - those experiencing a …

The access to credit is generally seen as an important ingredient for development. However, over the last years reports … on families contracting excessive debt and falling into credit traps have also increased. In this paper I develop a model … of family credit behavior based on insights from behavioral economics. I particularly consider phenomena like keeping …

household has informal loans given objective or subjective liquidity constraints regarding access to credit through banking … channels. In our empirical study, we use Italian microdata on household income and wealth covering the 1995–2014 period. Our … form of both mortgage(s) and loan(s) and the unemployment status of the household head. Other trigger factors include a …

risk scores, default, and the extent of credit constraints - intergenerational linkages in household credit. Using … observations on siblings, we find that the linkages are due to unobserved household heterogeneity rather than parental credit … between parental and child credit attributes after controlling for household fixed effects. The linkages are stronger in …

Household debt has risen markedly since the turn of the century and stands at a historically high level in most OECD … countries. This paper offers an overview of developments in household debt over the past decades across a large sample of OECD … household debt for households, the financial system and the wider economy. Finally, it describes the challenges faced by …

birthday—on household formation early in the lifecycle. After demonstrating that this discontinuity induces a jump in federal …

The subject of the study is the phenomenon of household financialization. In the first part of the article a sense of … the years 2005-2015. On the side of household savings, the analysis included the level and the structure of financial … assets. The second area of evaluation of the household financialization processes was bank debt analysis, including mortgage …

This paper shows, using data from the Family Income and Expenditure Survey, that housing credit has become increasingly … housing and enabled them to do so at an earlier age. However, it also shows that the greater availability of housing credit … of housing credit has been accompanied by a pronounced shift from fixed-rate to variablerate housing loans. This is cause …

We exploit a nation-wide introduction of mandatory disclosure of borrowers' total credit exposures and show that … sharing such information increases credit access independent of borrowers' history. Differentiating between borrowers applying … history, we find an overall increase in credit access measured by both loan application acceptance and credit amount. While …