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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, household leverage and tenure choice
(Talouspolitiikan arviointineuvosto, 2021-01-26)
In this paper, we use population wide individual level data to describe the development of housing tenure choices and household debt during recent decades in Finland, and to analyse the effects of policy measures designed ...