IDEAS home Printed from https://ideas.repec.org/p/bdi/opques/qef_13_08.html
   My bibliography  Save this paper

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

Author

Listed:
  • 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.

Suggested Citation

  • Paola Rossi, 2008. "The Italian mortgage market: characteristics, evolution and regional differences. Evidence from a bank survey," Questioni di Economia e Finanza (Occasional Papers) 13, Bank of Italy, Economic Research and International Relations Area.
    • Handle: RePEc:bdi:opques:qef_13_08
    as

    Download full text from publisher

    File URL: https://www.bancaditalia.it/pubblicazioni/qef/2008-0013/QEF_13.pdf
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    mortgages; financial innovation; credit scoring;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand

    NEP fields

    This paper has been announced in the following NEP Reports:

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bdi:opques:qef_13_08. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: the person in charge (email available below). General contact details of provider: https://edirc.repec.org/data/bdigvit.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.