Energy consumption in homes accounts for over 30 percent of annual Norwegian electricity consumption. The government has set targets to reduce energy consumption in the housing sector. Measures that can increase energy efficiency in the housing sector are both known and available, but they will...

Energy consumption in homes accounts for over 30 percent of annual Norwegian electricity consumption. The government has set targets to reduce energy consumption in the housing sector. Measures that can increase energy efficiency in the housing sector are both known and available, but they will...

We look at a wide range of national and international crises to identify banks' exposures to losses during banking crises. We find that banks generally sustain greater losses on corporate loans than on household loans. Even after sharp falls in house prices, losses on household loans were often...

Debt-servicing capacity is a function of both available cash flow and the size of obligatory expenses. We use household level information to calculate normal expenses that cover food, other general consumption, electricity and fixed housing expences, as well as interest expenses. We link this to...