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The Italian mortgage market: characteristics, evolution and regional differences. Evidence from a bank survey

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Author Info
Paola Rossi () (Banca d'Italia)
Abstract

The paper reviews the supply of different mortgage instruments to Italian households by means of data obtained from a survey conducted in 2007 by the Bank of Italy over more than 300 banks. The results document significant innovations in housing finance in the last five years: a greater variety of mortgage products is supplied, along with a widespread easing of borrowing constraints facing households. The supply of new products is already routinely provided by large and medium banks, while it is spreading among local cooperative banks. It is significantly higher among banks which have adopted credit scoring techniques to select clients.

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File URL: http://www.bancaditalia.it/pubblicazioni/econo/quest_ecofin_2/qef_13_08/QEF_13.pdf
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Publisher Info
Paper provided by Bank of Italy, Economic Research Department in its series Questioni di Economia e Finanza (Occasional Papers) with number 13.

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Date of creation: Jun 2008
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Handle: RePEc:bdi:opques:qef_13_08

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Postal: Via Nazionale, 91 - 00184 Roma
Web page: http://www.bancaditalia.it
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Related research
Keywords: mortgages; financial innovation; credit scoring;

Find related papers by JEL classification:
G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Mortgages
D14 - Microeconomics - - Household Behavior - - - Personal Finance
R21 - Urban, Rural, and Regional Economics - - Household Analysis - - - Housing Demand

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This page was last updated on 2009-11-20.

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