We analyze the impact of the introduction of a Loan-to-Value (LTV) limit in The Netherlands on the probability for first time buyers to become homeowner using a duration model. Our research design is underpinned by a theoretical model that shows that a lower LTV limit results in suspending or...

We analyze the impact of the introduction of a Loan-to-Value (LTV) limit in The Netherlands on the probability for first time buyers to become homeowner using a duration model. Our research design is underpinned by a theoretical model that shows that a lower LTV limit results in suspending or...

We examined the mortgage interest tax relief (MIR) system in the Netherlands and reforms to this system, based on answers to direct questions in survey data for the period 2010-2012. As well as tracking individuals over time and at strategic moments in the process of the policy reform, this...

We examined the mortgage interest tax relief (MIR) system in the Netherlands and reforms to this system, based on answers to direct questions in survey data for the period 2010-2012. As well as tracking individuals over time and at strategic moments in the process of the policy reform, this...

The Dutch government modified twice the taxation of intergenerational transfers aimed at mortgage down-payments and prepayments. We identify the causal effects of the tax exemption on prepayments and inter vivos transfers separately by exploiting changes in the policy design. Subsequent policy...