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The Incidence of Housing Allowances: Quasi-Experimental Evidence
(Valtion taloudellinen tutkimuskeskus, 2022-10-13)
This paper studies the effects of housing allowances on rents. Our research design is based on a reform that made the allowance more generous for small housing units as a quasi-experimental setting. We find that large ...
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 ...