Similar Search Results

Mortgage product innovation in advanced economies: more choice, more risk

Scanlon, Kathleen; Lunde, Jens; Whitehead, Christine M. E. - London School of Economics (LSE) - 2008

has worsened. It is in this context that the standard annuity mortgage is increasingly being supplanted by mortgages with … a standard product. Moreover, such mortgages can also be more risky: the interest-only borrower does not accumulate … market share of mortgages with these new features. It analyses trends over the last ten years and discusses the risks of …

Persistent link: https://www.econbiz.de/10010745801

Describing interest-only mortgage borrowers' savings and spending using Danish register data

Andersen, Henrik Yde; Bech, Stine Ludvig - 2024

Interest-only mortgages (IOMs) were popular before the 2007-2008 financial crisis, e.g. in the US and UK, and remain …

Persistent link: https://www.econbiz.de/10014540959

Describing interest-only mortgage borrowers' savings and spending using Danish register data

Andersen, Henrik Yde; Bech, Stine Ludvig - 2024

Interest-only mortgages (IOMs) were popular before the 2007-2008 financial crisis, e.g. in the US and UK, and remain …

Persistent link: https://www.econbiz.de/10014531242

Liquidity constraints and demand for maturity the case of mortgages

Ferrari, Alessandro; Loseto, Marco - 2023

Using administrative data on mortgages issued in Italy between 2018 and 2019, this paper estimates loan demand …

Persistent link: https://www.econbiz.de/10014543625

Contract structure, time preference, and technology adoption

Chowdhury, Shyamal; Smits, Joeri; Sun, Qigang - 2020

Do constraints to technology adoption vary by behavioral traits? We randomize 150 villages in Bangladesh into being offered standard microcredit, loans with a grace period, the choice between those two contracts, and control. No discernible average effects are detected on the adoption of...

Persistent link: https://www.econbiz.de/10012261876

Contract Structure, Time Preference, and Technology Adoption

Chowdhury, Shyamal; Smits, Joeri; Sun, Qigang - 2020

Persistent link: https://www.econbiz.de/10012270268

Financial literacy, behaviour and well-being of millennials in Poland compared to previous generations: The insights from three large-scale surveys

Cwynar, Andrze - In: Review of Economic Perspectives 20 (2020) 3, pp. 289-335

There are many concerns about financial competences of Millennials. Initial research on this generation suggests that it is less financially knowledgeable and exhibits less healthy financial behaviours compared to other generations. The goal of the article is to compare Millennials to...

Persistent link: https://www.econbiz.de/10012384149

Optimal investment in energy efficiency as a problem of growth rate maximisation

Britto, Anthony; Dehler-Holland, Joris; Fichtner, Wolf - 2021

Despite the vast literature on the energy-efficiency gap, there is a general dearth of investment models which incorporate the consumer's temporal freedom in the investment decision. Focusing on the building sector, we formulate optimal investment in energy efficiency as a problem of wealth...

Persistent link: https://www.econbiz.de/10012490098

Monetary policy over the life cycle

Braun, R. Anton; Ikeda, Daisuke - 2021

magnitudes of the responses of a household's net worth, disposable income, and consumption depend on its age. …

Persistent link: https://www.econbiz.de/10012818997

Saving at tax time: Do additional retroactive savings opportunities increase retirement savings?

Blaufus, Kay; Milde, Michael; Schaefer, Marcel - 2022

Using a series of experiments, we examine whether the additional opportunity to save retroactively for retirement at the time of tax filing increases overall retirement savings. Our findings show that introducing the additional savings opportunity at tax time increases the total savings rate by...

Persistent link: https://www.econbiz.de/10013460372