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The Impacts of Borrowing Constraints on Homeownership

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Cited by:

  1. Winston T.H. Koh & Edward H.K. Ng, 2004. "Investing in Real Estate: Mortgage Financing Practices and Optimal Holding Period," International Real Estate Review, Global Social Science Institute, vol. 7(1), pages 71-97.
  2. Bracke, Philippe & Hilber, Christian A.L. & Silva, Olmo, 2018. "Mortgage debt and entrepreneurship," Journal of Urban Economics, Elsevier, vol. 103(C), pages 52-66.
  3. Ha, Sejeong & Hilber, Christian A.L. & Schöni, Olivier, 2021. "Do long-distance moves discourage homeownership? Evidence from England," Journal of Housing Economics, Elsevier, vol. 53(C).
  4. Green, Richard K., 1996. "Should the stagnant homeownership rate be a source of concern?," Regional Science and Urban Economics, Elsevier, vol. 26(3-4), pages 337-368, June.
  5. Laurent Gobillon & François-Charles Wolff, 2009. "Housing and location choices of retiring households: Evidence from France," PSE Working Papers hal-00424096, HAL.
  6. Haurin, Donald R. & Gill, H. Leroy, 2002. "The Impact of Transaction Costs and the Expected Length of Stay on Homeownership," Journal of Urban Economics, Elsevier, vol. 51(3), pages 563-584, May.
  7. François Ortalo-Magné & Sven Rady, 2006. "Housing Market Dynamics: On the Contribution of Income Shocks and Credit Constraints ," Review of Economic Studies, Oxford University Press, vol. 73(2), pages 459-485.
  8. Barakova, Irina & Bostic, Raphael W. & Calem, Paul S. & Wachter, Susan M., 2003. "Does credit quality matter for homeownership?," Journal of Housing Economics, Elsevier, vol. 12(4), pages 318-336, December.
  9. Christian A. L. Hilber & Olivier Schoni, 2022. "Housing policy and affordable housing," CEP Occasional Papers 56, Centre for Economic Performance, LSE.
  10. Steven C. Bourassa & Donald R. Haurin, 2017. "A Dynamic Housing Affordability Index," International Real Estate Review, Global Social Science Institute, vol. 20(3), pages 251-286.
  11. Ron J. Feldman, 2002. "Mortgage rates, homeownership rates, and government-sponsored enterprises," Annual Report, Federal Reserve Bank of Minneapolis, vol. 16(1), pages 4-23.
  12. Ambrose, Brent W. & Pennington-Cross, Anthony & Yezer, Anthony M., 2002. "Credit Rationing in the U.S. Mortgage Market: Evidence from Variation in FHA Market Shares," Journal of Urban Economics, Elsevier, vol. 51(2), pages 272-294, March.
  13. Calem, Paul S. & Firestone, Simon & Wachter, Susan M., 2010. "Credit impairment and housing tenure status," Journal of Housing Economics, Elsevier, vol. 19(3), pages 219-232, September.
  14. Onder, Zeynep, 2002. "Homeownership and FHA Mortgage Activity in Neighborhoods and Metropolitan Areas," Journal of Housing Economics, Elsevier, vol. 11(2), pages 152-181, June.
  15. Quercia, Roberto G. & McCarthy, George W. & Wachter, Susan M., 2003. "The impacts of affordable lending efforts on homeownership rates," Journal of Housing Economics, Elsevier, vol. 12(1), pages 29-59, March.
  16. Enström Öst, Cecilia & Wilhelmsson, Mats, 2019. "The long-term consequences of youth housing for childbearing and higher education," Journal of Policy Modeling, Elsevier, vol. 41(5), pages 845-858.
  17. Isaac F. Megbolugbe & Peter D. Linneman, 1993. "Home Ownership," Urban Studies, Urban Studies Journal Limited, vol. 30(4-5), pages 659-682, May.
  18. Jintao Li & Xin Ning & Jun Sun & Xiaoqian Xiong, 2018. "Simulating the Barriers of Transaction Costs to Public Rental Housing Exits: The Case of Wuhan, China," Sustainability, MDPI, vol. 10(5), pages 1-13, May.
  19. Rady, Sven & Ortalo-Magné, François, 2002. "Homeownership," Discussion Papers in Economics 28, University of Munich, Department of Economics.
  20. Pablo Casas-Arce & Albert Saiz, 2006. "Owning versus leasing: do courts matter?," Working Papers 06-21, Federal Reserve Bank of Philadelphia.
  21. Laurent Gobillon & Francois-Charles Wolff, 2011. "Housing and Location Choices of Retiring Households: Evidence from France," Urban Studies, Urban Studies Journal Limited, vol. 48(2), pages 331-347, February.
  22. Peter D. Linneman & Isaac F. Megbolugbe, 1992. "Housing Affordability: Myth or Reality?," Urban Studies, Urban Studies Journal Limited, vol. 29(3-4), pages 369-392, May.
  23. Hartarska, Valentina M. & Gonzalez-Vega, Claudio, 2002. "A Comparison Of Option-Theoretic And Choice-Theoretic Approaches To Evaluating Alternative Financial Technologies For Mortgage Loans To Low-Income Households," 2002 Annual meeting, July 28-31, Long Beach, CA 19645, American Agricultural Economics Association (New Name 2008: Agricultural and Applied Economics Association).
  24. Qianqian Cao, 2014. "Bankruptcy Exemption, Home Equity and Mortgage Credit," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 42(4), pages 938-976, December.
  25. François Ortalo-Magné & Sven Rady, "undated". "Homeownership: Volatile Housing Prices, Low Labor Mobility and High Income Dispersion," Wisconsin-Madison CULER working papers 02-04, University of Wisconsin Center for Urban Land Economic Research.
  26. Seda Durguner, 2021. "Relaxed Credit Standards in the U.S. Housing Boom: Changes in Risk Characteristics of Mortgage Recipients," International Review of Finance, International Review of Finance Ltd., vol. 21(1), pages 208-254, March.
  27. Gobillon, Laurent & le Blanc, David, 2008. "Economic effects of upfront subsidies to ownership: The case of the Prêt à Taux Zéro in France," Journal of Housing Economics, Elsevier, vol. 17(1), pages 1-33, March.
  28. Maria da Piedade Morais & Bruno de Oliveir Cruz, 2007. "Demanda Habitacional, Escolha Das Condições De Ocupação Da Moradia E Política Habitacional No Brasil," LARES lares_2007_t065-morais_cr, Latin American Real Estate Society (LARES).
  29. Ampudia, Miguel & Mayordomo, Sergio, 2018. "Borrowing constraints and housing price expectations in the euro area," Economic Modelling, Elsevier, vol. 72(C), pages 410-421.
  30. Tracy M. Turner & Marc T. Smith, 2009. "Exits From Homeownership: The Effects Of Race, Ethnicity, And Income," Journal of Regional Science, Wiley Blackwell, vol. 49(1), pages 1-32, February.
  31. Daniel K. Fetter, 2013. "How Do Mortgage Subsidies Affect Home Ownership? Evidence from the Mid-century GI Bills," American Economic Journal: Economic Policy, American Economic Association, vol. 5(2), pages 111-147, May.
  32. Fracois Ortalo-Magne & Sven Rady, 2000. "Why are Housing Prices so Volatile? Income Shocks in a Stochastic Heterogeneous-Agents Model," Econometric Society World Congress 2000 Contributed Papers 1352, Econometric Society.
  33. Archer, Wayne R. & Ling, David C. & McGill, Gary A., 1996. "The effect of income and collateral constraints on residential mortgage terminations," Regional Science and Urban Economics, Elsevier, vol. 26(3-4), pages 235-261, June.
  34. Ling, David C. & Wachter, Susan M., 1998. "Information Externalities and Home Mortgage Underwriting," Journal of Urban Economics, Elsevier, vol. 44(3), pages 317-332, November.
  35. Hilber, Christian A.L., 2005. "Neighborhood externality risk and the homeownership status of properties," Journal of Urban Economics, Elsevier, vol. 57(2), pages 213-241, March.
  36. Philippe Bracke & Christian Hilber & Olmo Silva, 2012. "Homeownerhip and Entrepreneurship," SERC Discussion Papers 0103, Centre for Economic Performance, LSE.
  37. Mark Andrew, 2012. "The Changing Route to Owner-occupation: The Impact of Borrowing Constraints on Young Adult Homeownership Transitions in Britain in the 1990s," Urban Studies, Urban Studies Journal Limited, vol. 49(8), pages 1659-1678, June.
  38. Ling, David C. & McGill, Gary A., 1998. "Evidence on the Demand for Mortgage Debt by Owner-Occupants," Journal of Urban Economics, Elsevier, vol. 44(3), pages 391-414, November.
  39. Ross, Stephen L. & Turner, Margery Austin & Godfrey, Erin & Smith, Robin R., 2008. "Mortgage lending in Chicago and Los Angeles: A paired testing study of the pre-application process," Journal of Urban Economics, Elsevier, vol. 63(3), pages 902-919, May.
  40. Francois Ortalo-Magne & Sven Rady, 1998. "Housing Market Fluctuations in a Life-Cycle Economy with Credit Constraints," Finance 9810003, University Library of Munich, Germany.
  41. John V. Duca & Lilit Popoyan & Susan M. Wachter, 2019. "Real Estate And The Great Crisis: Lessons For Macroprudential Policy," Contemporary Economic Policy, Western Economic Association International, vol. 37(1), pages 121-137, January.
  42. Joseph Nichols & Anthony Pennington-Cross & Anthony Yezer, 2004. "Borrower Self-Selection, Underwriting Costs, and Subprime Mortgage Credit Supply," The Journal of Real Estate Finance and Economics, Springer, vol. 30(2), pages 197-219, November.
  43. Gabriel, Stuart A. & Rosenthal, Stuart S., 2005. "Homeownership in the 1980s and 1990s: aggregate trends and racial gaps," Journal of Urban Economics, Elsevier, vol. 57(1), pages 101-127, January.
  44. André de Palma & Matthieu de Lapparent & Nathalie Picard, 2014. "Modeling Real Estate Investment Decisions In Households," Working Papers hal-01091972, HAL.
  45. Yongheng Deng & Stephen L. Ross & Susan M. Wachter, "undated". "Employment Access, Residential Location and Homeownership," Zell/Lurie Center Working Papers 320, Wharton School Samuel Zell and Robert Lurie Real Estate Center, University of Pennsylvania.
  46. López-Salido, J David & Arce, Oscar, 2006. "House Prices, Rents and Interest Rates Under Collateral Constraints," CEPR Discussion Papers 5689, C.E.P.R. Discussion Papers.
  47. Ihle Dorothee & Siebert-Meyerhoff Andrea, 2019. "The Evolution of Immigrants’ Homeownership in Germany," Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik), De Gruyter, vol. 239(2), pages 155-201, April.
  48. Chien-Wen Peng & Jerry T. Yang & Tyler T. Yang, 2020. "Determinant of Allocation of Housing Inventory: Competition between Households and Investors," International Real Estate Review, Global Social Science Institute, vol. 23(3), pages 963-991.
  49. Andrew, Mark & Haurin, Donald & Munasib, Abdul, 2006. "Explaining the route to owner-occupation: A transatlantic comparison," Journal of Housing Economics, Elsevier, vol. 15(3), pages 189-216, September.
  50. Joe Peek & James A. Wilcox, 1991. "The Measurement and Determinants of Single‐Family House Prices," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 19(3), pages 353-382, September.
  51. Gervais, Martin, 2002. "Housing taxation and capital accumulation," Journal of Monetary Economics, Elsevier, vol. 49(7), pages 1461-1489, October.
  52. John Ermisch & Elizabeth Washbrook, 2012. "Residential Mobility: Wealth, Demographic and Housing Market Effects," Scottish Journal of Political Economy, Scottish Economic Society, vol. 59(5), pages 483-499, November.
  53. Philippe Bracke & Christian Hilber & Olmo Silva, 2014. "Homeownership and Entrepreneurship: The Role of Mortgage Debt and Commitment," CESifo Working Paper Series 5048, CESifo.
  54. W. Scott Frame & Lawrence J. White, 2005. "Fussing and Fuming over Fannie and Freddie: How Much Smoke, How Much Fire?," Journal of Economic Perspectives, American Economic Association, vol. 19(2), pages 159-184, Spring.
  55. Dongshin Kim & Youngme Seo & Julia Freybote, 2021. "Urbanity, Financial Crisis and the Timing of Homebuying Decisions by Young Households," The Journal of Real Estate Finance and Economics, Springer, vol. 62(4), pages 481-507, May.
  56. Díaz Serrano, Lluís, 2015. "Banks, Lies and Bricks: The Determinants of Home Value Inflation in Spain during the Housing Boom," Working Papers 2072/247804, Universitat Rovira i Virgili, Department of Economics.
  57. Steven C. Bourassa & Ming Yin, 2008. "Tax Deductions, Tax Credits and the Homeownership Rate of Young Urban Adults in the United States," Urban Studies, Urban Studies Journal Limited, vol. 45(5-6), pages 1141-1161, May.
  58. Fesselmeyer, Eric & Le, Kien T. & Seah, Kiat Ying, 2012. "A household-level decomposition of the white–black homeownership gap," Regional Science and Urban Economics, Elsevier, vol. 42(1-2), pages 52-62.
  59. L. Jide Iwarere & John E. Williams, 1991. "A Micro-Market Analysis of Tenure Choice Using the Logit Model," Journal of Real Estate Research, American Real Estate Society, vol. 6(3), pages 327-340.
  60. Lindner, Peter & Mathä, Thomas Y. & Ziegelmeyer, Michael & Pulina, Giuseppe, 2020. "Borrowing constraints, own labour and homeownership: does it pay to paint your walls?," Working Paper Series 2474, European Central Bank.
  61. Patric H. Hendershott & Thomas G. Thibodeau & Halbert C. Smith, 2009. "Evolution of the American Real Estate and Urban Economics Association1," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 37(4), pages 559-598, December.
  62. Cindy Biesenbeek & Mauro Mastrogiacomo & Rob Alessie & Jakob de Haan, 2022. "The effect of introducing a Loan-to-Value limit on home ownership," Working Papers 741, DNB.
  63. Kiat Ying Seah & Eric Fesselmeyer & Kien Le, 2017. "Estimating and decomposing changes in the White–Black homeownership gap from 2005 to 2011," Urban Studies, Urban Studies Journal Limited, vol. 54(1), pages 119-136, January.
  64. Green, Richard K. & Vandell, Kerry D., 1999. "Giving households credit: How changes in the U.S. tax code could promote homeownership," Regional Science and Urban Economics, Elsevier, vol. 29(4), pages 419-444, July.
  65. Tracey, Belinda & Van Horen, Neeltje, 2021. "The consumption response to borrowing constraints in the mortgage market," Bank of England working papers 919, Bank of England.
  66. Quincy, Sarah, 2022. "Income shocks and housing spillovers: Evidence from the World War I Veterans’ Bonus," Journal of Urban Economics, Elsevier, vol. 132(C).
  67. Kelly, Austin, 2007. "Zero down payment mortgage default," MPRA Paper 4318, University Library of Munich, Germany.
  68. Jie Chen & Zan Yang, 2017. "What do young adults on the edges of homeownership look like in big cities in an emerging economy: Evidence from Shanghai," Urban Studies, Urban Studies Journal Limited, vol. 54(10), pages 2322-2341, August.
  69. Hilber, Christian A.L. & Liu, Yingchun, 2008. "Explaining the black-white homeownership gap: The role of own wealth, parental externalities and locational preferences," Journal of Housing Economics, Elsevier, vol. 17(2), pages 152-174, June.
  70. Diaz-Serrano, Luis, 2005. "On the negative relationship between labor income uncertainty and homeownership: Risk-aversion vs. credit constraints," Journal of Housing Economics, Elsevier, vol. 14(2), pages 109-126, June.
  71. Marschoun, Michael, 2000. "Availability of Mortgage Loans in Volatile Real Estate Markets," Journal of Urban Economics, Elsevier, vol. 47(3), pages 443-469, May.
  72. Price V. Fishback & Alfonso Flores-Lagunes & William C. Horrace & Shawn Kantor & Jaret Treber, 2011. "The Influence of the Home Owners' Loan Corporation on Housing Markets During the 1930s," The Review of Financial Studies, Society for Financial Studies, vol. 24(6), pages 1782-1813.
  73. Stacy, Christina Plerhoples & Theodos, Brett & Bai, Bing, 2018. "How to prevent mortgage default without skin in the game: Evidence from an integrated homeownership support nonprofit," Journal of Housing Economics, Elsevier, vol. 39(C), pages 17-24.
  74. Denisa Naidin & Sofie R. Waltl & Michael Ziegelmeyer, 2022. "Objectified Housing Sales and Rent Prices in Representative Household Surveys: the Impact on Macroeconomic Statistics," LISER Working Paper Series 2022-03, Luxembourg Institute of Socio-Economic Research (LISER).
  75. Holger Sieg & Daniele Coen-Pirani & Jeffrey Brinkman, 2015. "The Political Economy of Underfunded Municipal Pension Plans," 2015 Meeting Papers 345, Society for Economic Dynamics.
  76. Engelhardt, Gary V. & Mayer, Christopher J., 1998. "Intergenerational Transfers, Borrowing Constraints, and Saving Behavior: Evidence from the Housing Market," Journal of Urban Economics, Elsevier, vol. 44(1), pages 135-157, July.
  77. Chan, Sewin, 2001. "Spatial Lock-in: Do Falling House Prices Constrain Residential Mobility?," Journal of Urban Economics, Elsevier, vol. 49(3), pages 567-586, May.
  78. Genesove, David & Mayer, Christopher J, 1997. "Equity and Time to Sale in the Real Estate Market," American Economic Review, American Economic Association, vol. 87(3), pages 255-269, June.
  79. Diaz-Serrano, Luis, 2019. "Inflation of home appraisal values and the access to mortgage loans of credit constrained borrowers," International Review of Economics & Finance, Elsevier, vol. 63(C), pages 412-422.
  80. Jacob L. Vigdor, 2004. "Liquidity Constraints and Housing Prices: Theory and Evidence from the VA Mortgage," NBER Working Papers 10611, National Bureau of Economic Research, Inc.
  81. Laurent Gobillon & David Le Blanc, 2002. "The Impact of Borrowing Constraints on Mobility and Tenure Choice," Working Papers 2002-28, Center for Research in Economics and Statistics.
  82. Kelly, Robert & O'Malley, Terence & O'Toole, Conor, 2015. "Designing Macro-prudential Policy in Mortgage Lending: Do First Time Buyers Default Less?," Research Technical Papers 02/RT/15, Central Bank of Ireland.
  83. Philippe Bracke & Christian Hilber & Olmo Silva, 2012. "Homeownerhip and Entrepreneurship," SERC Discussion Papers 0103, Centre for Economic Performance, LSE.
  84. Arrondel, Luc & Lefebvre, Bruno, 2001. "Consumption and Investment Motives in Housing Wealth Accumulation: A French Study," Journal of Urban Economics, Elsevier, vol. 50(1), pages 112-137, July.
  85. Pablo Casas-Arce & Albert Saiz, 2010. "Owning versus Renting: Do Courts Matter?," Journal of Law and Economics, University of Chicago Press, vol. 53(1), pages 137-165, February.
  86. Lu Han & Chandler Lutz & Benjamin Sand & Derek Stacey, 2018. "Do Financial Constraints Cool a Housing Boom?," Working Papers 073, Ryerson University, Department of Economics.
  87. Steven Bourassa & Martin Hoesli, 2010. "Why Do the Swiss Rent?," The Journal of Real Estate Finance and Economics, Springer, vol. 40(3), pages 286-309, April.
  88. Gary V. Engelhardt & Christopher J. Mayer, 1994. "Gifts, down payments, and housing affordability," Working Papers 94-5, Federal Reserve Bank of Boston.
  89. Dietsch, Michel & Petey, Joël, 2015. "The credit-risk implications of home ownership promotion: The effects of public subsidies and adjustable-rate loans," Journal of Housing Economics, Elsevier, vol. 28(C), pages 103-120.
  90. Jeremy C. Stein, 1993. "Prices and Trading Volume in the Housing Market: A Model with Downpayment Effects," NBER Working Papers 4373, National Bureau of Economic Research, Inc.
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  93. Siu Kei Wong & Kuang Kuang Deng & Ka Shing Cheung, 2024. "Starter Home Premium and Housing Affordability," The Journal of Real Estate Finance and Economics, Springer, vol. 68(1), pages 52-73, January.
  94. Hartarska, Valentina & Gonzalez-Vega, Claudio, 2006. "Evidence on the effect of credit counseling on mortgage loan default by low-income households," Journal of Housing Economics, Elsevier, vol. 15(1), pages 63-79, March.
  95. Steven C. Bourassa & Chien-Wen Peng, 2011. "Why Is Taiwan’s Homeownership Rate So High?," Urban Studies, Urban Studies Journal Limited, vol. 48(13), pages 2887-2904, October.
  96. Brent Smith, 2012. "Lending Through the Cycle: The Federal Housing Administration’s Evolving Risk in the Primary Market," Atlantic Economic Journal, Springer;International Atlantic Economic Society, vol. 40(3), pages 253-271, September.
  97. Donald R. Haurin & Patric H. Hendershott & Dongwook Kim, 1990. "Tenure Choice of American Youth," NBER Working Papers 3310, National Bureau of Economic Research, Inc.
  98. Blickle, Kristian & Brown, Martin, 2016. "Liquidity Constraints, Wealth Transfers and Home Ownership," Working Papers on Finance 1618, University of St. Gallen, School of Finance.
  99. William C. LaFayette & Donald R. Haurin & Patric H. Hendershott, 1995. "Endogenous Mortgage Choice, Borrowing Constraints and the Tenure Decision," NBER Working Papers 5074, National Bureau of Economic Research, Inc.
  100. Duebel, Hans-Joachim & Brzeski, W. Jan & Hamilton, Ellen, 2006. "Rental choice and housing policy realignment in transition : post-privatization challenges in the Europe and Central Asia region," Policy Research Working Paper Series 3884, The World Bank.
  101. Henrik Cronqvist & Florian Münkel & Stephan Siegel, 2014. "Genetics, Homeownership, and Home Location Choice," The Journal of Real Estate Finance and Economics, Springer, vol. 48(1), pages 79-111, January.
  102. Chien-Wen Peng & Jerry T. Yang & Tyler T. Yang, 2020. "Determinant of Allocation of Housing Inventory: Competition between Households and Investors," International Real Estate Review, Global Social Science Institute, vol. 23(3), pages 337-365.
  103. Zhou Yu, 2003. "Housing Tenure Choice of Taiwanese Immigrants: A Different Path to Residential Assimilation," Working Paper 8611, USC Lusk Center for Real Estate.
  104. Hendershott, Patric H. & LaFayette, William C. & Haurin, Donald R., 1997. "Debt Usage and Mortgage Choice: The FHA-Conventional Decision," Journal of Urban Economics, Elsevier, vol. 41(2), pages 202-217, March.
  105. Abdul Munasib & Donald Haurin, 2007. "Time to First Homeownership:Racial Differences, and the Impact of 1986 Tax Reform Act," Economics Working Paper Series 0701, Oklahoma State University, Department of Economics and Legal Studies in Business, revised 2007.
  106. Hyun, Dongwoo & Milcheva, Stanimira, 2018. "Spatial dependence in apartment transaction prices during boom and bust," Regional Science and Urban Economics, Elsevier, vol. 68(C), pages 36-45.
  107. Eddie Lam, 2002. "A Risk Management Model for MBS Issuers," International Real Estate Review, Global Social Science Institute, vol. 5(1), pages 169-195.
  108. Sergio Mayordomo & Maria Rodriguez-Moreno & Juan Ignacio Pe�a, 2014. "Portfolio choice with indivisible and illiquid housing assets: the case of Spain," Quantitative Finance, Taylor & Francis Journals, vol. 14(11), pages 2045-2064, November.
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  111. Luci Ellis, 2005. "Disinflation and the dynamics of mortgage debt," BIS Papers chapters, in: Bank for International Settlements (ed.), Investigating the relationship between the financial and real economy, volume 22, pages 5-20, Bank for International Settlements.
  112. Horst Tomann, 1996. "Private Home-ownership Finance for Low-income Households," Urban Studies, Urban Studies Journal Limited, vol. 33(10), pages 1879-1889, December.
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  114. Renata Bottazzi & Thomas Crossley & Matthew Wakefield, 2012. "Late starters or excluded generations? A cohort analysis of catch up in home ownership in England," IFS Working Papers W12/10, Institute for Fiscal Studies.
  115. Vigdor, Jacob L., 2006. "Liquidity constraints and housing prices: Theory and evidence from the VA Mortgage Program," Journal of Public Economics, Elsevier, vol. 90(8-9), pages 1579-1600, September.
  116. Kristopher Gerardi & Harvey S. Rosen & Paul S. Willen, 2006. "Do households benefit from financial deregulation and innovation?: the case of the mortgage market," Public Policy Discussion Paper 06-6, Federal Reserve Bank of Boston.
  117. Chen, Xi, 2018. "Optimal life cycle mortgage and portfolio choices in the presence of the affordability constraint," Journal of Housing Economics, Elsevier, vol. 39(C), pages 1-16.
  118. Ambrose, Brent W. & Pennington-Cross, Anthony, 2000. "Local economic risk factors and the primary and secondary mortgage markets," Regional Science and Urban Economics, Elsevier, vol. 30(6), pages 683-701, December.
  119. Deng, Yongheng & Ross, Stephen L. & Wachter, Susan M., 2003. "Racial differences in homeownership: the effect of residential location," Regional Science and Urban Economics, Elsevier, vol. 33(5), pages 517-556, September.
  120. Bree Lang & Ellen Hurst, 2014. "The Effect of Down Payment Assistance on Mortgage Choice," The Journal of Real Estate Finance and Economics, Springer, vol. 49(3), pages 329-351, October.
  121. Ambrose, Brent W. & Diop, Moussa, 2014. "Spillover effects of subprime mortgage originations: The effects of single-family mortgage credit expansion on the multifamily rental market," Journal of Urban Economics, Elsevier, vol. 81(C), pages 114-135.
  122. Lee, Kwan Ok & Painter, Gary, 2013. "What happens to household formation in a recession?," Journal of Urban Economics, Elsevier, vol. 76(C), pages 93-109.
  123. Annelies Hoebeeck & Koen Inghelbrecht, 2017. "The impact of the mortgage interest and capital deduction scheme on the Belgian mortgage market," Working Paper Research 327, National Bank of Belgium.
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  125. Michael LaCour‐Little & Jing Yang, 2010. "Pay Me Now or Pay Me Later: Alternative Mortgage Products and the Mortgage Crisis," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 38(4), pages 687-732, Winter.
  126. Santiago Carbó-Valverde & Sergio Mayordomo & Francisco Rodríguez-Fernández, 2018. "Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates," The Journal of Real Estate Finance and Economics, Springer, vol. 56(1), pages 76-100, January.
  127. Laurent Gobillon & David Le Blanc, 2005. "Quelques effets économiques du prêt à taux zéro," Économie et Statistique, Programme National Persée, vol. 381(1), pages 63-89.
  128. Ortalo-Magne, Francois & Rady, Sven, 2002. "Tenure choice and the riskiness of non-housing consumption," Journal of Housing Economics, Elsevier, vol. 11(3), pages 266-279, September.
  129. Lee, Nai Jia & Ong, Seow Eng, 2005. "Upward mobility, house price volatility, and housing equity," Journal of Housing Economics, Elsevier, vol. 14(2), pages 127-146, June.
  130. Mundra, Kusum & Uwaifo Oyelere, Ruth, 2013. "Determinants of Immigrant Homeownership: Examining their Changing Role during the Great Recession and Beyond," IZA Discussion Papers 7468, Institute of Labor Economics (IZA).
  131. Samuel Dodini & Jeff Larrimore & Jenny Schuetz, 2016. "What are the Perceived Barriers to Homeownership for Young Adults?," Finance and Economics Discussion Series 2016-021, Board of Governors of the Federal Reserve System (U.S.).
  132. Scholten, Ulrich, 1999. "Die Förderung von Wohneigentum," Beiträge zur Finanzwissenschaft, Mohr Siebeck, Tübingen, edition 1, volume 8, number urn:isbn:9783161472343, September.
  133. Turner, Tracy M. & Luea, Heather, 2009. "Homeownership, wealth accumulation and income status," Journal of Housing Economics, Elsevier, vol. 18(2), pages 104-114, June.
  134. Mølbak Ingholt, Marcus, 2022. "Multiple Credit Constraints and Time-Varying Macroeconomic Dynamics," Journal of Economic Dynamics and Control, Elsevier, vol. 143(C).
  135. Steven C. Bourassa, 1995. "The Impacts of Borrowing Constraints on Home-ownership in Australia," Urban Studies, Urban Studies Journal Limited, vol. 32(7), pages 1163-1173, August.
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