The rise of risk-based pricing of mortgage interest rates in Italy
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- Silvia Magri & Raffaella Pico, 2010. "The rise of risk-based pricing of mortgage interest rates in Italy," Temi di discussione (Economic working papers) 778, Bank of Italy, Economic Research and International Relations Area.
References listed on IDEAS
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Citations
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- Olympia Bover & Jose Maria Casado & Sonia Costa & Philip Du Caju & Yvonne McCarthy & Eva Sierminska & Panagiota Tzamourani & Ernesto Villanueva & Tibor Zavadil, 2013. "The distribution of debt across euro area countries: The role of individual characteristics, institutions and credit conditions," Working Paper Research 252, National Bank of Belgium.
- Bover, Olympia & Du Caju, Philip & Tzamourani, Panagiota & Villanueva, Ernesto & Sierminska, Eva & McCarthy, Yvonne & Casado, Jose Maria & Costa, Sonia & Zavadil, Tibor, 2014. "The distribution of debt across euro area countries: the role of individual characteristics, institutions and credit conditions," Working Paper Series 1639, European Central Bank.
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- Olympia Bover & Jose Maria Casado & Ernesto Villanueva & Sonia Costa & Philip Du Caju & Yvonne McCarthy & Eva Sierminska & Panagiota Tzamourani & Tibor Zavadil, 2013. "The distribution of debt across euro area countries: the role of individual characteristics, institutions and credit conditions," Working Papers 1320, Banco de España.
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- Dräger, Vanessa & Heckmann-Draisbach, Lotta & Memmel, Christoph, 2020. "Interest and credit risk management in German banks: Evidence from a quantitative survey," Discussion Papers 02/2020, Deutsche Bundesbank.
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- Walke, Adam G. & Fullerton, Thomas M. & Tokle, Robert J., 2018. "Risk-based loan pricing consequences for credit unions," Journal of Empirical Finance, Elsevier, vol. 47(C), pages 105-119.
- Danilo Liberati & Valerio Vacca, 2016. "With (more than) a little help from my bank. Loan-to-value ratios and access to mortgages in Italy," Questioni di Economia e Finanza (Occasional Papers) 315, Bank of Italy, Economic Research and International Relations Area.
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- So Yeon Chun & Miguel A. Lejeune, 2020. "Risk-Based Loan Pricing: Portfolio Optimization Approach with Marginal Risk Contribution," Management Science, INFORMS, vol. 66(8), pages 3735-3753, August.
- Valentina Michelangeli & José-Luis Peydró & Enrico Sette, 2021.
"Borrower versus Ban Channels in Lending: Experimental- and Administrative-Based Evidence,"
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- Valentina Michelangeli & José-Luis Peydró & Enrico Sette, 2021. "Borrower versus bank channels in lending: Experimental- and administrative-based evidence," Economics Working Papers 1809, Department of Economics and Business, Universitat Pompeu Fabra.
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"Credit demand vs. supply channels: Experimental- and administrative-based evidence,"
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- Michelangeli, Valentina & Sette, Enrico & Peydró, José-Luis, 2020. "Credit demand vs. supply channels: Experimental- and administrative-based evidence," EconStor Preprints 222282, ZBW - Leibniz Information Centre for Economics.
- Stanga, Irina & Vlahu, Razvan & de Haan, Jakob, 2020.
"Mortgage arrears, regulation and institutions: Cross-country evidence,"
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- Irina Stanga & Razvan Vlahu & Jakob de Haan, 2017. "Mortgage arrears, regulation and institutions: Cross-country evidence," DNB Working Papers 580, Netherlands Central Bank, Research Department.
- Luísa Farinha & Sónia Costa, 2011. "The Behaviour of Domestic and non Domestic Banks in the Housing Credit Market: an Analysis Based on Microeconomic Data," Economic Bulletin and Financial Stability Report Articles and Banco de Portugal Economic Studies, Banco de Portugal, Economics and Research Department.
- Mitrašević, Mirela & Bardarova, Snezana, 2020. "Causes Of Non-Payment Of Mortgage Loans: Theoretical And Practical Aspects," UTMS Journal of Economics, University of Tourism and Management, Skopje, Macedonia, vol. 11(2), pages 138-150.
- 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.
- David ARISTEI & Manuela Gallo, 2012. "The Drivers of Household Over-Indebtedness and Delinquency on Mortgage Loans: Evidence from Italian Microdata," Quaderni del Dipartimento di Economia, Finanza e Statistica 105/2012, Università di Perugia, Dipartimento Economia.
- Silvia Magri, 2018. "Are lenders using risk-based pricing in the consumer loan market? The effects of the 2008 crisis," Temi di discussione (Economic working papers) 1164, Bank of Italy, Economic Research and International Relations Area.
- Michela Pelizza & Klaus R. Schenk-Hoppé, 2020. "Pricing Defaulted Italian Mortgages," JRFM, MDPI, vol. 13(2), pages 1-14, February.
- Valentina Michelangeli & José-Luis Peydró & Enrico Sette, 2020.
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- Michelangeli, Valentina & Peydró, José-Luis & Sette, Enrico, 2021. "Credit demand versus supply channels: Experimental- and administrative-based evidence," EconStor Preprints 242124, ZBW - Leibniz Information Centre for Economics.
- Valentina Michelangeli & José-Luis Peydró & Enrico Sette, 2020. "Credit demand versus supply channels: Experimental- and administrative-based evidence," Economics Working Papers 1731, Department of Economics and Business, Universitat Pompeu Fabra, revised Jul 2021.
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- Valerio Vacca, 2011. "An unexpected crisis? Looking at pricing effectiveness of different banks," Temi di discussione (Economic working papers) 814, Bank of Italy, Economic Research and International Relations Area.
- Silvia Del Prete & Cristina Demma & Paola Rossi, 2017. "From few to many: product differentiation in the Italian mortgage market," Questioni di Economia e Finanza (Occasional Papers) 383, Bank of Italy, Economic Research and International Relations Area.
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More about this item
Keywords
Mortgage interest rate Mortgage delinquencies Risk-based pricing;JEL classification:
- D10 - Microeconomics - - Household Behavior - - - General
- E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
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