Eine Plattform für die Wissenschaft: Bauingenieurwesen, Architektur und Urbanistik
Eine Plattform für die Wissenschaft: Bauingenieurwesen, Architektur und Urbanistik
Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK
Koblyakova A., Hutchison N. and Tiwari P. Regional differences in mortgage demand and mortgage instrument choice in the UK, Regional Studies. This paper presents empirical evidence of regional variations in mortgage choice decisions within the UK's mortgage sector. Utilizing British Household Panel Survey (BHPS) data for the years 2001, 2007 and 2008, the paper suggests that a household's decision to choose a variable rate mortgage is more likely to occur in areas with lower incomes and affordability rates, such as Northern England, Scotland and Wales. Since variable rate mortgages are more sensitive to income and monetary policy shocks, the disproportional distribution of variable contracts within the mortgage sector may have a differential impact on the regions.
Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK
Koblyakova A., Hutchison N. and Tiwari P. Regional differences in mortgage demand and mortgage instrument choice in the UK, Regional Studies. This paper presents empirical evidence of regional variations in mortgage choice decisions within the UK's mortgage sector. Utilizing British Household Panel Survey (BHPS) data for the years 2001, 2007 and 2008, the paper suggests that a household's decision to choose a variable rate mortgage is more likely to occur in areas with lower incomes and affordability rates, such as Northern England, Scotland and Wales. Since variable rate mortgages are more sensitive to income and monetary policy shocks, the disproportional distribution of variable contracts within the mortgage sector may have a differential impact on the regions.
Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK
Koblyakova, Alla (Autor:in) / Hutchison, Norman (Autor:in) / Tiwari, Piyush (Autor:in)
Regional Studies ; 48 ; 1499-1513
02.09.2014
15 pages
Aufsatz (Zeitschrift)
Elektronische Ressource
Englisch
抵押贷款选择 , 固定利率贷款与浮动利率贷款 , 区域差异 , Choix de prêt hypothécaire , Taux fixes et variables , Différences régionales , Auswahl von Hypotheken , Hypotheken mit festem und variablem Zinssatz , Regionale Unterschiede , Elección de hipotecas , Hipotecas de interés fijo y variable , Diferencias regionales , Mortgage choice , Fixed and variable rate mortgages , Regional differences , D , D1
Regional Differences in Mortgage Demand and Mortgage Instrument Choice in the UK
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