Banco de España - Research Department
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Consumer borrowing, subsidies, quasi-natural experiment
household debt and interest rate distributions, time to foreclosure, taxation, loan-to-value ratios, fixed rate mortgages, financial literacy
Household debt and interest rate distributions, Time to Foreclose, Taxation, Loan-to-Value ratios, Fixed rate mortgages, Financial literacy
household debt and interest rate distributions, time to foreclose, taxation, loan-to-value ratios, fixed rate mortgages, financial literacy
Household debt and interest rate distributions, Time to Foreclose, Taxation, Loanto-Value ratios, Fixed rate mortgages, Financial literacy
This is a CEPR Discussion Paper. CEPR charges a fee of $5.00 for this paper.
File name: DP10934.
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Fixed rate mortgages, Household debt and interest rate distributions, Loan-to-Value ratios, Taxation, Time to Foreclose
financial education, impact evaluation, selection bias
pension funds, tax incentives, savings
Living arrangements, Family Structure, Credit Markets
Altruism, imperfect information, intervivos transfers
Bequests, intervivos transfers, permanent income
Bank lending, bank capital, loan supply, instrumental variables
Wage level and structure, job satisfaction, compensation packages
Credit constraints, mortgages, household consumption
collective bargaining, human capital
Job security, household formation
precautionary savings, household wealth and consumption, labor firing costs
collective bargaining, labor demand, aggregate shock, wage rigidity
This is a Wiley-Blackwell Publishing paper. Wiley-Blackwell Publishing charges $38.00 .
File name: ecop.
human capital, tasks, education, working experience, cognitive skills
compensating wage differentials,voluntary job changes, Wage growth, Revealed preference
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