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Displaying results 1 to 25 of 51.

  1. Homeownership and entrepreneurship
    Author: Lisi, Gaetano
    Published: [2017]
    Publisher:  Instituto Valenciano de Investigaciones Económicas, S.A., Valencia (Spain)

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    Language: English
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    Edition: Version: February 2017
    Series: Array ; WP-AD 2017, 01
    Subjects: entrepreneurship; homeownership; job creation; new firms; small businesses
    Scope: 1 Online-Ressource (circa 17 Seiten)
  2. A literature review on the effectiveness of financial education
    Published: 15 June 2007
    Publisher:  Federal Reserve Bank of Richmond, Richmond, Va

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    Series: Federal Reserve Bank of Richmond working paper ; 07.03
    Subjects: Finanzdienstleistung; Bildungsniveau; Konsumentenverhalten; Sparen; Altersvorsorge; Verbraucherkredit; Bibliometrie; USA
    Other subjects: Array
    Scope: Online-Ressource, 26 S., Text, graph. Darst.
  3. Homeownership and labor market outcomes
    disentangling externality and composition effects
    Author: Chevalier, Charles-Marie; Lardeux, Raphaël
    Published: [2017]
    Publisher:  INSEE, Institut national de la statistique et des études économiques, Malakoff

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    Series: Document de travail / Direction des études et synthèses économiques ; G 2017, 09
    Subjects: homeownership; local labor market; externality; composition effect
    Scope: 1 Online-Ressource (circa 37 Seiten), Illustrationen
  4. Homeownership and the perception of material security in old age
    Author: Garten, Claudius; Myck, Michał; Oczkowska, Monika
    Published: August 2022
    Publisher:  IZA - Institute of Labor Economics, Bonn, Germany

    Homeownership has been shown to be related to various aspects of well-being, although both the causal nature of this relationship and the possible channels behind it have been difficult to identify. We focus on one of the most often quoted mechanisms... more

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    Homeownership has been shown to be related to various aspects of well-being, although both the causal nature of this relationship and the possible channels behind it have been difficult to identify. We focus on one of the most often quoted mechanisms which could be responsible for the positive effects of homeownership, namely its role in providing material security in old age. Using data from 15 European countries collected in wave 2 of the Survey of Health, Ageing and Retirement in Europe (SHARE), we analyse the relationship between homeownership and material security, as measured through subjective expectations of being better or worse off in the future. We find that homeowners have a higher level of material security than renters, and this association is especially strong for those living in big cities. For this subsample, in comparison to renters, owning a property in the top quartile of the home value distribution is associated with an increase in the probability of expecting to be better off in the future by as much as 43%. With respect to our measure of material security we find no such correlations with education, income or financial assets. We interpret the results as support for the argument that homeownership offers a very particular form of material security, which may be behind its positivse implications for well-being.

     
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    hdl: 10419/265716
    Series: Discussion paper series / IZA ; no. 15495
    Subjects: homeownership; well-being; material security; old age; expectations
    Scope: 1 Online-Ressource (circa 31 Seiten), Illustrationen
  5. Making use of home equity
    the potential of housing wealth to enhance retirement security
    Author: Bravo, Jorge Miguel Ventura; Ayuso, Mercedes; Holzmann, Robert
    Published: September 2019
    Publisher:  IZA - Institute of Labor Economics, Bonn, Germany

    The demographic change underway, declining adequacy levels from traditional pay-as-you-go old-age social security systems, structural reforms in pension schemes and the reduction in the traditional family support have increased the need for... more

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    The demographic change underway, declining adequacy levels from traditional pay-as-you-go old-age social security systems, structural reforms in pension schemes and the reduction in the traditional family support have increased the need for additional private savings to cover the old age income gap. In this paper we discuss the necessity, the role and the viability of home equity release schemes in supplementing public and private pensions in an integrated way. We use the latest European data from the Eurosystem Household Finance and Consumption Survey (HFCS) to analyse the household's wealth composition and accumulation process in the euro area. To quantify the size of the housing wealth and its potential to enhance existing and future retirement income, we compute the equity-to-value ratio (ETV) for all countries, estimate the time to loan payoff and compute the amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We then catalogue and discuss the many alternative options for managing and accessing housing wealth over the life cycle, and highlight the main characteristics, risks, advantages and drawbacks of the two most important market products (home reversion plans and reverse mortgages). Finally, we discuss the main demand-side and supply-side obstacles and challenges to the development of equity release markets and extract some policy implications.

     
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    hdl: 10419/207481
    Series: Discussion paper series / IZA ; no. 12656
    Subjects: equity release schemes; housing wealth; reverse mortgage; homeownership; retirement income; pensions adequacy
    Scope: 1 Online-Ressource (circa 33 Seiten), Illustrationen
  6. Household debt and aging in Japan
    Author: Horioka, Charles; Niimi, Yoko
    Published: November 2019
    Publisher:  The Institute of Social and Economic Research, Osaka University, Osaka, Japan

    In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a... more

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    In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a head in the 50-59 age group) in Japan do not have inordinate amounts of debt and that their financial health is satisfactory. However, we also find that households with a head in the 30-39 age group have shown a sharp increase in debt holdings in recent years, due partly to the fact that tax breaks for housing purchase, reforms in the housing loan market since the early 2000s, and expansionary monetary policy enabled Japanese households to purchase housing at a younger age than they could previously. We therefore need to monitor the borrowing behavior of this cohort over time as the Bank of Japan normalizes its monetary policy, especially since households have become more vulnerable to rising interest rates as the share of households who have chosen variablerate housing loans has increased in recent years.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
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    hdl: 10419/230474
    Series: Discussion paper / The Institute of Social and Economic Research ; no. 1068
    Subjects: aging; borrowing; debt; homeownership; households; housing; Japan; liabilities; loans; mortgages; retirement
    Scope: 1 Online-Ressource (circa 22 Seiten), Illustrationen
  7. Search frictions, housing prices and growth
    Author: Lisi, Gaetano
    Published: [2019]
    Publisher:  Instituto Valenciano de Investigaciones Económicas, S.A., Valencia (Spain)

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    doi: 10.12842
    Edition: Version: July 2019
    Series: Array ; WP-AD 2019, 02
    Subjects: housing prices; new construction; growth; homeownership; search frictions
    Scope: 1 Online-Ressource (circa 20 Seiten), Illustrationen
  8. Does homeownership reduce crime?
    a radical housing reform in Britain
    Author: Disney, Richard; Gathergood, John; Machin, Stephen; Sandi, Matteo
    Published: [2020]
    Publisher:  Centre for Economic Performance, London School of Economics and Political Science, London

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    Series: CEP discussion paper ; no 1685 (March 2020)
    Subjects: crime; homeownership; public housing
    Scope: 1 Online-Ressource (circa 69 Seiten), Illustrationen
  9. Fintech lending and mortgage credit access
    Author: Jagtiani, Julapa; Lambie-Hanson, Lauren; Lambie-Hanson, Timothy
    Published: November 2019
    Publisher:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

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    Series: Working papers / Research Department, Federal Reserve Bank of Philadelphia ; 19, 47 (November 2019)
    Subjects: fintech; mortgage lending; homeownership; online mortgages; credit access
    Scope: 1 Online-Ressource (circa 46 Seiten), Illustrationen
  10. Trends in intergenerational homeownership mobility in France between 1960-2015
    Author: Castillo Rico, Barbara
    Published: [2020]
    Publisher:  Aix-Marseille School of Economics, [Aix-en-Provence

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    Series: Working papers / AMSE, Aix-Marseille School of Economics ; WP 2020, nr 08
    Subjects: Intergenerational mobility; homeownership; housing; wealth transmission
    Scope: 1 Online-Ressource (circa 54 Seiten), Illustrationen
  11. Why wealth inequality differs between post-socialist countries?
    Author: Brzezinski, Michal; Sałach-Dróżdż, Katarzyna
    Published: 2020
    Publisher:  University of Warsaw, Faculty of Economic Sciences, Warsaw

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    Series: Working papers / Faculty of Economic Sciences, University of Warsaw ; no. 2020, 14 = 320
    Subjects: wealth inequality; decomposition; recentered influence function (RIF) regressions; survey weight calibration; Household Finance and Consumption Survey (HFCS); post-socialist transition; Central and Eastern Europe (CEE); housing; homeownership; missing rich
    Scope: 1 Online-Ressource (circa 30 Seiten), Illustrationen
  12. Financialisation and rental housing
    a case study of Berlin
    Author: Davies, Clementine
    Published: January 2021
    Publisher:  Berlin School of Economics and Law, Institute for International Political Economy Berlin, Berlin

    This paper seeks to understand the extent financialisation has had an impact on the rental housing market in Berlin. Specifically, it focuses on the financialisation of non-financial rental housing companies. The financial statements of five large,... more

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    This paper seeks to understand the extent financialisation has had an impact on the rental housing market in Berlin. Specifically, it focuses on the financialisation of non-financial rental housing companies. The financial statements of five large, publicly listed, commercial rental housing companies in Berlin are examined for three operationalisations of financialisation: as a means of accumulation, as a mode of corporate governance, and as the prioritisation of short-term perspectives. Findings show no trends of firms increasingly relying on financial instruments for profit but did show increased shareholder orientation and short termism. Implications for the supply, price and quality of rental housing in Berlin are discussed.

     
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    hdl: 10419/228868
    Series: Working paper / Institute for International Political Economy Berlin ; no. 153 (2021)
    Subjects: financialisation; homeownership; firm ownership structure; rental housing; rental market; Berlin
    Scope: 1 Online-Ressource (circa 53 Seiten), Illustrationen
  13. Income-related health inequality in urban China (1991-2015)
    the role of homeownership and housing conditions
    Author: Nie, Peng; Clark, Andrew E.; D'Ambrosio, Conchita; Ding, Lanlin
    Published: March 2020
    Publisher:  ECINEQ, Society for the Study of Economic Inequality, [Verona]

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    Series: Working paper series / ECINEQ, Society for the Study of Economic Inequality ; 524 (2020)
    Subjects: Income-related health inequality; housing conditions; homeownership; decomposition; urban China
    Scope: 1 Online-Ressource (circa 35 Seiten), Illustrationen
  14. Why wealth inequality differs between post-socialist countries?
    Author: Brzezinski, Michal; Sałach-Dróżdż, Katarzyna
    Published: 2020 July
    Publisher:  ECINEQ, Society for the Study of Economic Inequality, [Verona]

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    Series: Working paper series / ECINEQ, Society for the Study of Economic Inequality ; 551 (2020)
    Subjects: Wealth inequality; decomposition; recentered influence function (RIF) regressions; survey weight calibration; Household Finance and Consumption Survey (HFCS); post-socialist transition; Central and Eastern Europe (CEE); housing; homeownership; missing rich
    Scope: 1 Online-Ressource (circa 27 Seiten), Illustrationen
  15. Borrowing constraints, own labour and homeownership
    does it pay to paint your walls?
    Author: Lindner, Peter; Mathä, Thomas; Pulina, Giuseppe; Ziegelmeyer, Michael
    Published: [2020]
    Publisher:  European Central Bank, Frankfurt am Main, Germany

    Using a dedicated set of questions in the 2014 Luxembourg Household Finance and Consumption Survey (LU-HFCS), we show that a substantial share of households contributes their own labour to the acquisition of their main residence. These contributions... more

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    Using a dedicated set of questions in the 2014 Luxembourg Household Finance and Consumption Survey (LU-HFCS), we show that a substantial share of households contributes their own labour to the acquisition of their main residence. These contributions help households faced with credit constraints, since they reduce the need for external financing. We develop a simple theoretical model and show that own labour contributions decrease with the level of financial resources available, while they increase with the mortgage interest rate. These theoretical results are supported by empirical analysis, which also shows that own labour contributions vary by household characteristics (age, gender, profession) and by type of dwelling (house, apartment).

     
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    Media type: Ebook
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    ISBN: 9789289943918
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    hdl: 10419/229088
    Series: Working paper series / European Central Bank ; no 2474 (October 2020)
    Subjects: Borrowing constraints; down payment; own labour; sweat equity; homeownership; household; survey
    Scope: 1 Online-Ressource (circa 40 Seiten), Illustrationen
  16. Homeowner subsidies and suburban living
    empirical evidence from a subsidy repeal
    Author: Daminger, Alexander
    Published: August 2021
    Publisher:  BGPE, Bavarian Graduate Program in Economics, Erlangen-Nuremberg

    This paper documents effects of a homeownership subsidy's full repeal on the urban-rural residential location choice. First, I document the distribution of population across space for German labor market regions, using official NUTS-3 level... more

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    This paper documents effects of a homeownership subsidy's full repeal on the urban-rural residential location choice. First, I document the distribution of population across space for German labor market regions, using official NUTS-3 level population statistics. These labor market regions usually consist of a city (the urban core) and adjacent counties (the urban hinterlands) connected by commuter flows. Second, using IV-estimations in Difference-in-Differences and Triple-Differences frameworks, I exploit the 2005 repeal of Germany's lump-sum direct homeownership subsidy "Eigenheimzulage" on changes in this distribution across space. The results indicate that repealing subsidies to homeownership reverses subsidy-induced population flows to the periphery and thus makes regions re-urbanize. Cities' population gains derive in large parts from families with children and young residents of "building age", that are no longer able to become homeowners outside the city gates without the subsidy's support.

     
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    hdl: 10419/243269
    Series: BGPE discussion paper ; no. 211
    Subjects: homeownership; housing subsidies; residential location choice; suburbanization
    Scope: 1 Online-Ressource (circa 38 Seiten), Illustrationen
  17. Subsidies to homeownership and central city rent
    Author: Daminger, Alexander
    Published: July 2021
    Publisher:  BGPE, Bavarian Graduate Program in Economics, Erlangen-Nuremberg

    This paper analyzes the effects of German homeownership subsidies on the intra-city rent structure. Using a large-scale micro data set on German rent offerings, I first construct novel city rent indexes that include various rings around cities' CBDs.... more

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    This paper analyzes the effects of German homeownership subsidies on the intra-city rent structure. Using a large-scale micro data set on German rent offerings, I first construct novel city rent indexes that include various rings around cities' CBDs. Using triple differences (TD) frameworks, I then estimate the introduction of the homeownership subsidies' effects on rent for the cities that received varying subsidy rates. The empirical results indicate that subsidies to homeownership lower central apartment rent premiums in those cities, where they give the "biggest bang for the buck". Consequently, I find that homeownership subsidies contribute to an increase in housing affordability through the price changes in the rental market: an increase in the subsidies leads potential homeowners to move away from the CBD, resulting in a decrease in the rental demand and lowering the rent.

     
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    hdl: 10419/243268
    Series: BGPE discussion paper ; no. 210
    Subjects: homeownership; housing subsidies; homeownership subsidy; triple differences
    Scope: 1 Online-Ressource (circa 48 Seiten), Illustrationen
  18. Effects of monetary policy on household expectations
    the role of homeownership
    Author: Ahn, Hie Joo; Xie, Shihan; Yang, Choongryul
    Published: September, 2022
    Publisher:  Divisions of Research & Statistics and Monetary Affairs, Federal Reserve Board, Washington, D.C.

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    Edition: This draft: September, 2022
    Series: Finance and economics discussion series ; 2022, 065
    Subjects: Inflation expectations; homeownership; rational inattention
    Scope: 1 Online-Ressource (circa 50 Seiten), Illustrationen
  19. The impact of mortgage regulation on homeownership and household leverage
    evidence from Finland's LTV reform
    Author: Eerola, Essi; Lyytikäinen, Teemu; Ramboer, Sander
    Published: 2022
    Publisher:  VATT Institute for Economic Research, Helsinki

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    hdl: 10024/185948
    Series: VATT working papers ; 148
    Subjects: macroprudential policy; mortgage regulation; loan-to-value ratio; household leverage; homeownership; housing demand
    Scope: 1 Online-Ressource (circa 36 Seiten), Illustrationen
  20. Unsettled
    job insecurity reduces home-ownership
    Author: Lepinteur, Anthony; Clark, Andrew E.; D'Ambrosio, Conchita
    Published: May 2024
    Publisher:  IZA - Institute of Labor Economics, Bonn, Germany

    We here evaluate the link between job insecurity and one of the most-important decisions that individuals take: homeownership. The 1999 rise in the French Delalande tax on firms that laid off older workers produced an unexpected exogenous rise in job... more

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    We here evaluate the link between job insecurity and one of the most-important decisions that individuals take: homeownership. The 1999 rise in the French Delalande tax on firms that laid off older workers produced an unexpected exogenous rise in job insecurity for younger workers. A difference-in-differences analysis of panel data from the European Community Household Panel shows that this greater job insecurity significantly reduced the probability of becoming a homeowner. This drop seems more attributable to individual preferences rather than greater capital constraints, consistent with individuals reducing their exposure to long-term financial commitments in more-uncertain environments.

     
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    hdl: 10419/299966
    Series: Discussion paper series / IZA ; no. 17038
    Subjects: homeownership; job insecurity; employment protection; difference-in-differences
    Scope: 1 Online-Ressource (circa 36 Seiten), Illustrationen
  21. Why not tax it?
    the effects of property taxes on house price and homeownership
    Author: Chiocchio, Francesco
    Published: March 2024
    Publisher:  Centro de estudios monetarios y financieros, Madrid, Spain

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    Series: Working paper / CEMFI ; 2404
    Subjects: Property taxes and assessment; housing markets; homeownership; wealthaccumulation and bequests
    Scope: 1 Online-Ressource (circa 67 Seiten), Illustrationen
  22. Unsettled: job insecurity reduces homeownership
    Author: Lepinteur, Anthony; Clark, Andrew E.; D'Ambrosio, Conchita
    Published: [2024]
    Publisher:  Centre for Economic Performance, London School of Economics and Political Science, London

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    Series: Discussion paper / Centre for Economic Performance ; no. 2006 (June 2024)
    Subjects: homeownership; job insecurity; employment protection; difference-in-differences
    Scope: 1 Online-Ressource (circa 37 Seiten), Illustrationen
  23. In debt but still happy?
    examining the relationship between homeownership and life satisfaction
    Author: Will, Sebastian; Renz, Timon
    Published: [2022]
    Publisher:  German Socio-Economic Panel (SOEP), DIW Berlin, Berlin, Germany

    We investigate the relationship between homeownership and life as well as housing satisfaction. Using panel data from Germany, we find that compared to renting, owning a home positively impacts housing satisfaction. Contrarily, we find no significant... more

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    DS 318
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    We investigate the relationship between homeownership and life as well as housing satisfaction. Using panel data from Germany, we find that compared to renting, owning a home positively impacts housing satisfaction. Contrarily, we find no significant effects on life satisfaction in the long-term. Analysing short-term effects in an event-study design, we show that both life and housing satisfaction anticipate the event and adapt shortly after. Debt-free buyers, however, do not experience anticipation or adaptation effects at all. Comparing outright homebuyers to debt-financing owners, we show that having a real estate loan impacts homeowners' life satisfaction negatively. Paying off a loan does not differently affect the housing satisfaction of both types of buyers. We conclude that the negative effect of loan payments on life satisfaction offsets the positive impact of homeownership.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/251792
    Series: SOEPpapers on multidisciplinary panel data research ; 1164 (2022)
    Subjects: subjective well-being; homeownership; household finances; financial burden; adaptation; housing satisfaction
    Scope: 1 Online-Ressource (circa 31 Seiten), Illustrationen
  24. Language proficiency and homeownership
    evidence from U.S. immigrants
    Author: Luik, Marc-André; Steinhardt, Max Friedrich; Voss, Simon
    Published: [2023]
    Publisher:  Freie Universität Berlin, [Berlin]

    In this paper we deliver first causal evidence on the relationship between immigrant host country language proficiency and homeownership. Using an instrumental variable strategy, we find a substantial positive impact of language skills on the... more

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    In this paper we deliver first causal evidence on the relationship between immigrant host country language proficiency and homeownership. Using an instrumental variable strategy, we find a substantial positive impact of language skills on the propensity to own a home and the quality of housing. While this effect is mediated by education and household income, our estimates also speak in favor of a direct effect. Our results highlight the importance of host-country-specific human capital and, in particular, language proficiency for socio-economic assimilation.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/270610
    Series: Array ; 2023, 3
    Subjects: language; immigrants; assimilation; homeownership
    Scope: 1 Online-Ressource (circa 35 Seiten), Illustrationen
  25. The erosion of homeownership and minority wealth
    Author: Billings, Stephen B.; Soliman, Adam
    Published: [2023]
    Publisher:  Centre for Economic Performance, London School of Economics and Political Science, London

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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Discussion paper / Centre for Economic Performance ; no. 1967 (December 2023)
    Subjects: homeownership; racial wealth gap; institutional investors
    Scope: 1 Online-Ressource (circa 45 Seiten), Illustrationen