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After the financial crisis, policy rates in the major advanced economies have moved downwards to near/below zero. Some countries have experienced an increase in house prices and an expansion of mortgages. Also, there have been considerable changes in the m ...
With the introduction of the Marshall Plan to Europe after the Second World War, architectural practice for workers’ housing faced a paradigmatic shift by means of procedural approaches and spatial strategies as well as roles of planner, architect and comm ...
Why have countries formerly leading public policies of housing – Norway, the U.K., France, etc. – shifted towards privatizing accommodation from the late 1970s? Have these States merely let go of housing and handed it over to private interests in the name ...
Contexte et questionnement : Les parcours de vie des individus sont marqués par des changements d’ordre sociaux (mobilité sociale, changement de rôle) mais aussi spatiaux (mobilité résidentielle) (Vincent-Geslin et Kaufmann, 2012 ; Dick & Duchêne-Lacroi ...
While mortgage rates reached historic lows during 2012, the spread between primary and secondary rates rose to very high levels. This trend reflected a number of factors that potentially affected mortgage originator costs and profits and restrained the pas ...
L’espace-temps linéaire du travail est architectural, juridique et linguistique. Le droit français définit le travail par un lien de subordination et l’architecture comme construction, donc comme extraction. Travail et architecture suivent un même principe ...
This paper studies the treatment effect of monthly payment size on mortgage default, using a sample of adjustable-rate loans that experienced large payment reductions thanks to the recent low interest rate environment. Payment size has an economically larg ...
This paper models the housing sector, mortgages and endogenous default in a DSGE setting with nominal and real rigidities. We use data for the period 1981-2006 to estimate our model using Bayesian techniques. We analyze how an increase in risk in the mortg ...
Low-for-long nominal interest rates have resulted in strong growth in mort- gage lending and real house prices in Switzerland. Domestically-oriented, small banks have mostly contributed to this expansion in mortgage lending while the two big, global system ...
Mortgages characterized by negative or low early amortization schedules amplify the macroeconomic effects of a housing risk shock. We analyze the role of mortgage amortization in a two-sector DSGE model with housing risk and endogenous default. Mortgage lo ...
