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¿Afectan las restricciones financieras al régimen de tenencia de vivienda?


Author Info

  • Sergio Mayordomo

    (Universidad Carlos III de Madrid)


Este trabajo cuantifica el impacto de las restricciones financieras en la decisión de compra de vivienda de las familias españolas. Para ello se usa una variante de la metodología existente basada en el estudio de Linneman y Wachter (1989). En una primera etapa se estima el valor de la vivienda deseada por los hogares mediante un modelo Tobit generalizado. Esta estimación se usa para clasificar a los hogares según el grado de las restricciones a las que se enfrentan para obtener financiación externa. Los resultados muestran como, a pesar del alto porcentaje de propietarios, las restricciones de riqueza influyen enormemente sobre el régimen de tenencia mientras que las restricciones de renta tienen un impacto nulo.

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Bibliographic Info

Article provided by Fundación SEPI in its journal Investigaciones Económicas.

Volume (Year): 32 (2008)
Issue (Month): 3 (September)
Pages: 289-324

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Handle: RePEc:iec:inveco:v:32:y:2008:i:3:p:289-324

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Postal: Investigaciones Economicas Fundación SEPI Quintana, 2 (planta 3) 28008 Madrid Spain
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Keywords: valor deseado de vivienda; restricciones financieras; régimen de tenencia.;

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Cited by:
  1. Juan Mora-Sanguinetti, 2012. "Is judicial inefficacy increasing the weight of the house property market in Spain? Evidence at the local level," SERIEs, Spanish Economic Association, vol. 3(3), pages 339-365, September.


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