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Can everyone tap into the housing piggy bank? : racial disparities in access to home equity
Conklin, James N.; Gerardi, Kristopher; Lambie-Hanson, … - 2022
An oft-touted benefit of homeownership is the ability to build and access equity, and in recent years the amount of … mortgage equity withdrawal (MEW) loan products were denied. Black and Hispanic homeowners' applications were denied at even … with purchase and rate/term refinance mortgage applications. Controlling for loan and borrower characteristics commonly …
Persistent link: https://www.econbiz.de/10013455833
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Default, mortgage standards and housing liquidity
Head, Allen Charles; Sun, Hongfei; Zhou, Chenggang - 2016
time-to-sell determines the mortgage standards of competitive lenders, measured by the maximum loan-to-value (LTV) ratio …
Persistent link: https://www.econbiz.de/10011487312
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Institutional investors and the U.S. housing recovery
Lambie-Hanson, Lauren; Li, Wenli; Slonkosky, Michael - 2019
mortgage crisis, which, in contrast to the preceding housing boom, was not accompanied by a rise in homeownership rates. Using … declines in the homeownership rates …
Persistent link: https://www.econbiz.de/10012197788
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Exploring affordability in the Irish housing market
Corrigan, Eoin; Foley, Daniel; McQuinn, Kieran; … - 2018
This paper examines housing affordability in Ireland by looking at the distribution of housing costs across households. Using microdata from the SILC survey over the period 2005-2015, the contribution of this paper is threefold. First, the paper considers the trends in the cost of housing in...
Persistent link: https://www.econbiz.de/10011862979
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Negative equity and housing investment
Haughwout, Andrew; Sutherland, Sarah; Tracy, Joseph S. - 2013
Housing is a depreciating asset. The rate of depreciation depends on the degree to which households engage in housing investments. Housing investment expenditures economy-wide are sizable, averaging 45 percent of the value of new home construction over the past twenty years. The housing bust and...
Persistent link: https://www.econbiz.de/10010201310
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Home ownership and home equity promote entrepreneurial activity
Hassink, Wolter H. J.; Millone, Matteo; Mocking, Remco; … - 2021
This paper studies the effects of private real estate collateral on entrepreneurial lending and entrepreneurial activity in the Netherlands. The residential collateral channel is especially relevant for sole-proprietors who own a business with unlimited liability. We used administrative data on...
Persistent link: https://www.econbiz.de/10012485842
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Chapter 12. Housing, Finance, and the Macroeconomy
Davis, Morris A.; Van Nieuwerburgh, Stijn - In: Handbook of regional and urban economics : volume 5, (pp. 753-811). 2015
In this chapter, we review and discuss the large body of research that has developed over the past 10-plus years that explores the interconnection of macroeconomics, finance, and housing. We focus on three major topics—housing and the business cycle, housing and portfolio choice, and housing...
Persistent link: https://www.econbiz.de/10014025303
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Housing Yields
Colonnello, Stefano; Marfè, Roberto; Xiong, Qizhou - 2021
This paper investigates heterogeneity in residential property yields using rental and sale listings from the largest German internet real estate platform. Equipped with property-level rent-to-price ratios obtained via matching properties for sale and for rent, we show that they strongly co-move...
Persistent link: https://www.econbiz.de/10013238401
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Can everyone tap into the housing piggy bank? : racial disparities in access to home equity
Conklin, James N.; Gerardi, Kristopher; Lambie-Hanson, … - 2023
Persistent link: https://www.econbiz.de/10014445266
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Financial constraints and the racial housing gap
Gupta, Arpit; Hansman, Christopher; Mabille, Pierre - 2022 - Revised version of 2021/72/FIN
Persistent link: https://www.econbiz.de/10013462021