Fersiynau electronig


Dangosydd eitem ddigidol (DOI)

In this paper we disentangle the impact of household financial constraints on mortgage rate from a number of dimensions of credit risk. This analysis relies on a dataset that contains information on the economic and financial decisions of Spanish households in four different years: 2002, 2005, 2008, and 2011. Our results suggest that banks’ profitable customers are able to bargain for lower mortgage rates. However, contrary to other studies, the risk profile does not have a significant effect on mortgage rates. Credit institutions tend to charge higher rates during the crisis to all customers, irrespective of their risk profiles.


Iaith wreiddiolSaesneg
Tudalennau (o-i)76-100
Nifer y tudalennau25
CyfnodolynThe Journal of Real Estate Finance and Economics
Rhif y cyfnodolyn1
Dyddiad ar-lein cynnar19 Rhag 2016
Dynodwyr Gwrthrych Digidol (DOIs)
StatwsCyhoeddwyd - Ion 2018

Cyfanswm lawlrlwytho

Nid oes data ar gael
Gweld graff cysylltiadau