homeowner only once the loan is repaid. By effectively reducing the LTV of the mortgage, it increases the homeowner's incentives …

We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine … analysis is based on a unique data set of household mortgage applications from September 2012 until January 2014. Our … assessment of risk exposure among mortgage borrowers in Switzerland is highly sensitive to the underlying assumptions on mortgage …

Mortgages constitute the largest part of household debt. An essential choice when taking out a mortgage is between …-country study has analyzed what determines household demand for mortgage types, a task that this paper takes up using new data for … how the easing of monetary policy during the financial crisis affected mortgage holders. It shows that the resulting …

time-to-sell determines the mortgage standards of competitive lenders, measured by the maximum loan-to-value (LTV) ratio …

We develop an equilibrium model for origination fees charged by mortgage brokers and show how the equilibrium fee … better educated neighborhoods. We quantify the fraction of the surplus from the mortgage that goes to the broker, and how it …

We examine the closeness of relationships between households and their mortgage lenders using survey data which provide …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … compare mortgage relations and non-mortgage relations for the same households. We find that mortgage relations are used for a …

course of the 20th century, driven by a sharp rise of mortgage lending to households. Household debt to asset ratios have …

almost half of purchase mortgage originations were associated with investors. In part by apparently misreporting their …