Housing and Mortgage Dynamics: Evidence from Household Surveys

20 Pages Posted: 8 Oct 2016

Date Written: October 7, 2016


This paper discusses research that uses Dutch household survey data to study housing and mortgage dynamics. After introducing broad developments and summarizing related work on heterogeneity, this paper focuses on the role of loan-to-value ratios. Household survey data suggests that the increase of loan-to-value ratios for first-time buyers in the housing market has come to a halt. Using ordered logit regressions, we find that house characteristics and demographic variables can explain heterogeneity in LTV ratios.

Keywords: housing, mortgages, loan-to-value, financial literacy, survey

JEL Classification: E42, E51, F31, G1

Suggested Citation

Jansen, David-Jan, Housing and Mortgage Dynamics: Evidence from Household Surveys (October 7, 2016). De Nederlandsche Bank Working Paper No. 522, Available at SSRN: https://ssrn.com/abstract=2849426 or http://dx.doi.org/10.2139/ssrn.2849426

David-Jan Jansen (Contact Author)

De Nederlandsche Bank ( email )

P.O. Box 98
1000 AB Amsterdam

HOME PAGE: http://sites.google.com/site/djansenresearch

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