housing markets better than net loans. Moreover, credit supply restrictions during the crisis are estimated to be smaller …

countries. We estimate the MPC based on a cross-country harmonized household level dataset which combines surveys on wealth …

This paper uses representative individual household data from Luxembourg to evaluate how severe economic conditions … could affect bank exposure to the household sector. Information on household income, expenses and liquid assets are used to … calculate household-specific probabilities of default (PD), aggregate bank exposure at default (EAD) and aggregate bank loss …

equity. Using US household data from the Survey of Income and Program Participation for the period 1996-2006, we find that … applies. This home equity bias is also more pronounced if the household head is in poor health, increasing the chance of … tenures, and younger household heads, which taken together reflect households that face more financial uncertainty …

Sound household financial conditions are relevant for both financial and monetary stability. Therefore, we analyse … household financial fragility in a sample of euro area countries with the aim to shed some light on the nature of the large debt … increase accumulated in recent years. We focus on household arrears on payment obligations, which are one of the most direct …

.30%. This evidence suggests that credit constraints are relevant in this market. Things change substantially when moving along …