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Enhancing the financing of the real economy and financial stability in the United Kingdom

Havrylchyk, Olena; Kierzenkowski, Rafał - 2015

The banking sector in the United Kingdom (UK) was deeply affected by the crisis. Bank credit has collapsed reflecting both weak demand and tighter supply. New prudential requirements have improved the resilience of the banking sector and a number of measures were taken to support credit supply....

Persistent link: https://www.econbiz.de/10011399564

Housing consumption and investment : evidence from shared equity mortgages

Benetton, Matteo; Bracke, Philippe; Cocco, João F.; … - In: The review of financial studies 35 (2022) 8, pp. 3525-3573

Persistent link: https://www.econbiz.de/10013350110

The exposure of mortgage borrowers to interest rate risk, income risk and house price risk : evidence from Swiss loan application data

Brown, Martin; Guin, Benjamin - 2014 - This draft: 2 December 2014

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 …

Persistent link: https://www.econbiz.de/10011344795

The Land Plots Market and Housing Mortgage Lening in Russia in 2012

Zadonsky, Georgy - 2013

According to the RF Federal Service for State Registration, Cadastre and Cartography (Rosreestr), the land area in the ownership of RF individuals continues to decrease. As of 1 January 2012, it amounted to 119.6 million hectares (m ha) (7% of the total land surface) vs. 121.4 m ha (7.1%) in...

Persistent link: https://www.econbiz.de/10013076889

Has the Mortgage Pendulum Swung Too Far? Reviving Access to Mortgage Credit

McCoy, Patricia A. - 2017

In the wake of the financial crisis, mortgage lending to lower-income and minority borrowers overcorrected and has not …, mortgage regulation, and housing finance are needed to remove artificial institutional barriers to the flow of responsible … term, mortgage finance could be re-envisioned to integrate housing counselors, real estate professionals, and economists …

Persistent link: https://www.econbiz.de/10012961686

Helping the Middle-Class : How Interest Rates Affect the Distribution of Housing Wealth

Hacamo, Isaac - 2016

channel that stems from the dependence of mortgage payments to interest rates. I introduce a novel identification strategy … demand for small neighborhoods. A decline in mortgage interest rates of 1.2 percentage points from July 2000 to December 2001 …

Persistent link: https://www.econbiz.de/10013003057

Confederate Memorials and the Housing Market

Green, T. Clifton; Jame, Russell; Lee, Jaemin; Lee, Jaeyeon - 2022

Houses on streets with names that honor the Confederacy sell for 3% less than other similar nearby houses. The effect is concentrated outside the South and in regions with greater Black populations and more left-leaning voters, and it increases following attention-grabbing events that highlight...

Persistent link: https://www.econbiz.de/10013306048

Mortgage Leverage and House Prices

Johnson, Stephanie - 2020

I measure the effect of mortgage debt-to-income restrictions on house prices using a change in the eligibility …

Persistent link: https://www.econbiz.de/10012841541

Tracking and stress-testing U.S. household leverage

Fuster, Andreas; Guttman-Kenney, Benedict; Haughwout, Andrew - 2016

Borrowers' housing equity is an important component of their wealth and a critical determinant of their vulnerability to shocks. In this paper, we create a unique data set that allows us to provide a comprehensive look at the ratio of housing debt to housing values - what we refer to as...

Persistent link: https://www.econbiz.de/10011523769

How do House Prices Respond to Mortgage Supply?

Barone, Guglielmo - 2020

-2015, we build an exogenous and fully data-driven indicator of mortgage supply stances and use it as an instrument for actual …

Persistent link: https://www.econbiz.de/10012827456