results highlight the role played by mortgage markets in absorbing displacement shocks triggered by globalization …We analyze the effect of import competition on household balance sheets from 2000 to 2007 using individual data on … that household debt increases significantly in regions where manufacturing industries are more exposed to import …

results highlight the role played by mortgage markets in absorbing displacement shocks triggered by globalization …We analyze the effect of import competition on household balance sheets from 2000 to 2007 using individual data on … that household debt increases significantly in regions where manufacturing industries are more exposed to import …

We analyze the effect of import competition on household balance sheets from 2000 to 2007 using individual data on … manufacturing industries are more exposed to import competition. A one standard deviation increase in exposure to import competition … extraction. Our results highlight the distributive effects of globalization and their consequences for household finances. …

at the same time calibrated to match aggregate developments in the residential real estate market. This micro … hypothetical activation shows that the introduction of a cap on the loan-to-value (LTV) ratio of new mortgage loans in Germany …

We examine the closeness of relationships between households and their mortgage lenders using survey data which provide …. Our analysis is based on a sample of 470 households which have a mortgage and multiple bank relations, allowing us to … compare mortgage relations and non-mortgage relations for the same households. We find that mortgage relations are used for a …

borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market …: mortgage points. Points allow borrowers to exchange an upfront amount for a decrease in the mortgage rate. We document that, on … mistakes on other dimensions (e.g., inefficiently refinancing their mortgages). Overall, our results show that borrowers …

data from the Household Finance and Consumption Survey (HFCS), to identify pockets of risk in the Belgian mortgage market …' mortgage debt by (liquid) financial assets. It identifies the share of outstanding mortgage debt that is possibly at risk, and …) unequally distributed, and that therefore this wealth covers their outstanding mortgage debt only to a limited extent. As a …