This paper constitutes an initial attempt to shed light on the role of income distribution in household debt and … financial market access in Central, Eastern and Southeastern Europe (CESEE). Using household-level data from the OeNB’s Euro … this impact for almost all components of household debt, but evidence is strongest for mortgage, car and foreign currency …

France has a long and unique experience of public intervention in household debt restructuring. When facing financial … decision on the creditors' recovery rate, the household's re-default rate and the net benefit of the treatment, defined as the … over file managers with different pro-household friendlinesses is used to correct for endogeneity. Sixty percent of …

Home equity is the most important part of a household portfolio, but only recently has it become more accessible … withdrawal on a household level using Dutch survey data and assesses to which degree different theoretical predictions can be … financial motives and life-cycle effects likely to dominate a household's decision. Finally, the study provides first evidence …

This paper provides a comprehensive assessment of household debt dynamics in Malta between 2010 and 2020. Drawing on … the Household Finance and Consumption Survey, it argues that a process of financialisation of the household is underway on … household, results point to some heterogeneity across different households, as younger and lower-income households are …

depression and social norms impact positively on household debt burden. Hence, pointing out that, self-control is crucial to … should also evaluate the household's level of income and materialism before approving loan applications due to the direct …

This paper constitutes an initial attempt to shed light on the role of income distribution in household debt and … financial market access in Central, Eastern and Southeastern Europe (CESEE). Using household-level data from the OeNB's Euro … this impact for almost all components of household debt, but evidence is strongest for mortgage, car and foreign currency …

I explain the credit card debt puzzle – the co-holding of high-cost debt and low-yield liquid assets – with a household … and individual determinant that lower debt repayments. At the household level, co-holding is consistent with intra-household …