Haku
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The impact of mortgage regulation on homeownership and household leverage: Evidence from Finland's LTV reform
(Valtion taloudellinen tutkimuskeskus, 2022-10-12)
This paper examines the impact of a limit on loan-to-value (LTV) ratios implemented in Finland in 2016. Focusing on households that buy an apartment for the first time, we evaluate how the regulation influenced household ...
Macroprudential measures in the housing markets – a note on the empirical literature
(Emerald, 2017)
Purpose:
The global financial crisis has led to increased attention on the relationship of household indebtedness and systemic risks. As a result, macroprudential measures aimed at reducing the risks have been introduced ...