Artikkelen presenterer utviklingen i etterspørsel etter kreditt og kredittpraksis fra norske banker siden 2008, slik de er representert i Norges Banks utlånsundersøkelse. Norske banker har rapportert om en betydelig innstramming i kredittpraksis i denne perioden. Norges Banks...

Debt-servicing capacity is a function of both available cash flow and the size of obligatory expenses. We use household level information to calculate normal expenses that cover food, other general consumption, electricity and fixed housing expences, as well as interest expenses. We link this to...

On average, Norwegian households are highly indebted and their wealth is concentrated in housing. Changes in income, interest rates or house prices may cause significant adjustments in saving and consumption. This paper uses administrative register data on income and wealth to derive measures of...