We investigate the socio-economic determinants of mortgage delinquency in 12 EU countries and observe that income … volatility significantly increases the mortgage delinquency risk. This pattern even holds for borrowers with higher …-income profiles if volatility in income is high enough. From this result we can draw the following conclusions: i) mortgage protection …

relate it to cross-country differences in mortgage market maturity. We find that aside from Italy, homeownership rates and … transfers, substitute the limited mortgage availability and explains the second highest homeownership rate in our sample … highest and most equally distributed homeownership in this country as well. The mortgage market in Germany is on the other …

Which housing characteristics are important for understanding homeownership rates? How are housing characteristics … theories of homeownership? Using the English Housing Survey, we estimate a selection model of the allocation of properties to … correlations between rent-to-price ratios and homeownership rates. These patterns are consistent with, among others, hypotheses of …

!reased demand for mortgage loans is caused by substitution from other forms of consumercredit. Contrary to results reported in the …

commuting, and about how much to spend on a mortgage. By matching the results to data (at the ZIP-code level) about relative … attitudes of individual consumers. They find that younger respondents are relatively less confident about homeownership after … commuting, and they find that people who live in the high-decline areas believe it is appropriate to spend more on a mortgage. …

real house price, residential investment and mortgage debt on the two sides of the Atlantic. Then, it presents evidence …

In a recent set of influential papers, researchers have argued that residential mortgage foreclosures reduce the sale … mortgage distress on house prices. …

In a recent set of influential papers, researchers have argued that residential mortgage foreclosures reduce the sale … mortgage distress on house prices. …

Barriers to homeownership have traditionally been an important research and policy issue. In particular, the role of … income uncertainty and credit constraints exert a significant negative effect on the probability of homeownership. Our main …