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- W3122060397 abstract "In this paper we disentangle the impact of household financial constraints on mortgage rate from a number of dimensions of credit risk. This analysis relies on a dataset that contains information on the economic and financial decisions of Spanish households in four different years: 2002, 2005, 2008, and 2011. Our results suggest that banks’ profitable customers are able to bargain for lower mortgage rates. However, contrary to other studies, the risk profile does not have a significant effect on mortgage rates. Credit institutions tend to charge higher rates during the crisis to all customers, irrespective of their risk profiles." @default.
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- W3122060397 date "2016-12-19" @default.
- W3122060397 modified "2023-09-27" @default.
- W3122060397 title "Disentangling the Effects of Household Financial Constraints and Risk Profile on Mortgage Rates" @default.
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- W3122060397 doi "https://doi.org/10.1007/s11146-016-9595-7" @default.
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