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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 ...
Asuntojen hintojen alueellinen eriytyminen Suomessa
(Valtion taloudellinen tutkimuskeskus, 2020-12-18)
Asuntohintakehitystä seurataan tarkasti julkisessa keskustelussa. Laskevat asuntohinnat merkitsevät asuntojen nykyisten omistajien varallisuuden laskua. Vastaavasti asuntohintojen nousu heikentää erityisesti pienituloisten ...
Revisiting the effects of housing transfer taxes
(Elsevier, 2021)
Housing transfer taxes are fiscally important in many countries despite evidence of substantial welfare costs. We argue that the welfare costs are larger than previously thought because previous studies ignore spillovers ...