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Credits and non-interest rate determinants of loan demand: a Spanish case study

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Author Info
J. Manrique
K. Ojah

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Abstract

This article uses bivariate probit analysis to model the potential relationship between the condition of being credit-unconstrained and holding loans as well as to ascertain determinants of a household being credit-unconstrained and likely holding consumer and real-estate loans. It documents that family size, education, permanent and transitory incomes, among others, affect Spanish households' desire and capacity to hold loans. Furthermore, these factors were found to affect demands for real-estate and consumer loans differently. In general, the above and other results from this research provide insights that would interest credit consumers, credit suppliers, and policy makers in Spain.

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Article provided by Taylor and Francis Journals in its journal Applied Economics.

Volume (Year): 36 (2004)
Issue (Month): 8 (May)
Pages: 781-791
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Handle: RePEc:taf:applec:v:36:y:2004:i:8:p:781-791

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Philippe BACCHETTA & Stefan GERLACH, 1997. "Consumption and Credit Constraints : International Evidence," Cahiers de Recherches Economiques du Département d'Econométrie et d'Economie politique (DEEP) 9707, Université de Lausanne, Faculté des HEC, DEEP.
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  2. Breslaw, Jon & Irvine, Ian & Rahman, Abdul, 1996. "Instrument Choice: The Demand for Mortgages in Canada," Journal of Urban Economics, Elsevier, vol. 39(3), pages 282-302, May. [Downloadable!] (restricted)
  3. Jappelli, Tullio & Pagano, Marco, 1999. "The Welfare Effects of Liquidity Constraints," Oxford Economic Papers, Oxford University Press, vol. 51(3), pages 410-30, July.
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  4. Donald Cox & Tullio Japelli, 1993. "The Effect Of Borrowing Constraints On Consumer Liabilities," Boston College Working Papers in Economics 228, Boston College Department of Economics.
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  5. Jappelli, Tullio & Pagano, Marco, 1989. "Consumption and Capital Market Imperfections: An International Comparison," American Economic Review, American Economic Association, vol. 79(5), pages 1088-1105, December. [Downloadable!] (restricted)
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  6. Cox, Donald & Jappelli, Tullio, 1990. "Credit Rationing and Private Transfers: Evidence from Survey Data," The Review of Economics and Statistics, MIT Press, vol. 72(3), pages 445-54, August. [Downloadable!] (restricted)
  7. Davies, A J & Weber, G, 1991. "Credit and British consumers: some micro evidence," Fiscal Studies, Institute for Fiscal Studies, vol. 12(2), pages 61-84, May.
  8. Jones Lawrence D., 1993. "The Demand for Home Mortgage Debt," Journal of Urban Economics, Elsevier, vol. 33(1), pages 10-28, January. [Downloadable!] (restricted)
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(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Christoph Kneiding & Alexander S. Kritikos, 2007. "Funding Self-Employment - The Role of Consumer Credit," Working Papers 0007, Gesellschaft für Arbeitsmarktaktivierung (GfA). [Downloadable!]
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