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Credit markets and housing choices

Trucchi, Serena 2016. Credit markets and housing choices. Bulletin of Economic Research 68 (S1) , pp. 1-19. 10.1111/boer.12063

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This paper analyses how individual characteristics and credit market conditions interact and determine homeownership. The impact of the lifetime profile of resources on homeownership is larger when credit market imperfections are more severe. We combine data from the Bank of Italy's Survey on Household Income and Wealth with information on regional differences in interest rate spreads. We find that an increase in current resources by 10,000 euros increases the probability of homeownership by five (two) percentage points under the least (most) favourable credit market conditions.

Item Type: Article
Date Type: Publication
Status: Published
Schools: Business (Including Economics)
Publisher: Wiley
ISSN: 0307-3378
Last Modified: 18 Feb 2020 12:01

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