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The Efficiency of Savings-Linked Relationship Lending for Housing Finance
Kirsch, Steffen - 2019
We characterize Contractual Saving for Housing (CSH), a widespread and important product of household housing finance in Continental Europe, as relationship lending that is based on information production about borrowers in preceding saving relationships. In a multi-period partial equilibrium...
Persistent link: https://www.econbiz.de/10012903158
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Six of One…? Choice of Intermediary in the UK Mortgage Market
Belgibayeva, Adiya - 2018
Using a novel transactional-level dataset we find that the average price of similar mortgage products for like …-for-like consumers varies materially across UK mortgage intermediaries. We consider potential drivers of this price variation. We find …
Persistent link: https://www.econbiz.de/10012916558
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Paying Too Much? Price Dispersion in the US Mortgage Market
Bhutta, Neil - 2020
We document wide dispersion in the mortgage rates that households pay on identical loans, and show that borrowers … percentile mortgage rate that borrowers with the same characteristics obtain for identical loans, in the same market, on the same … direct evidence that financial knowledge and shopping both affect the mortgage rates borrowers get, and that shopping …
Persistent link: https://www.econbiz.de/10012848545
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Determinants of Saving-Borrowing Decisions and Financial Inclusion in a High Middle Income Country : The Turkish Case
Davutyan, Nurhan - 2015
We use a representative survey of the Turkish household sector and investigate the determinants of saving-borrowing decisions. We use the same set of regressors to account for the impact of economic and demographic factors on the choices involved. Thus we run four probit regressions to elucidate...
Persistent link: https://www.econbiz.de/10013026812
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Financial fragility and financial stress during the COVID-19 crisis : evidence from Colombian households
Cardona-Montoya, Raúl Armando; Cruz, Vivian; Arturo … - In: Journal of economics, finance & administrative science 27 (2022) 54, pp. 376-393
Purpose - Our findings indicate that workers with more financial education were more prepared to face the negative effects on their finances from COVID. This ability reduces the probability of becoming financially fragile and experiencing financial stress. Design/methodology/approach - The...
Persistent link: https://www.econbiz.de/10014339154
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Impacts of financial literacy on the loan decisions of financially excluded households in the People's Republic of China
Lyons, Angela C.; Grable, John E.; Zeng, Ting - 2019
populations into the financial mainstream. Data from the 2013 China Household Finance Survey (CHFS) were used to investigate the … migrant populations in the People's Republic of China. The findings show that the most vulnerable groups may be less likely to …
Persistent link: https://www.econbiz.de/10011975549
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Financial Illiteracy and Pension Contributions : A Field Experiment on Compound Interest in China
Song, Changcheng - 2015
in rural China. We randomly assigned some households to a financial education treatment, emphasizing the concept of …
Persistent link: https://www.econbiz.de/10013025959
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The distribution of debt across euro area countries : the role of individual characteristics, institutions and credit conditions
Bover, Olympia; Casado, Jose Maria; Costa, Sónia; Du … - 2014
the main mortgage. Second, we examine the role of legal and economic institutions in accounting for these differences. We … youngest group of households borrow lower amounts (conditional on borrowing), and the mortgage interest rates paid by low …
Persistent link: https://www.econbiz.de/10010249770
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The distribution of debt across euro area countries : the role of individual characteristics, institutions and credit conditions
Bover, Olympia; Casado, Jose Maria; Costa, Sónia; Du … - 2013
the main mortgage. Second, we examine the role of legal and economic institutions in accounting for these differences. We … youngest group of households borrow lower amounts (conditional on borrowing), and the mortgage interest rates paid by low …
Persistent link: https://www.econbiz.de/10011590231
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Financial inclusion and financial literacy in Kazakhstan
Kapparov, Kassymkhan - 2018
This paper examines the current situation concerning financial inclusion and financial literacy in Kazakhstan and future prospects. Since 2000, the financial sector has been developing rapidly, driven by petrodollars, which has led to higher financial inclusion. However, the improvement in...
Persistent link: https://www.econbiz.de/10011944260