Mortgage finance across OECD countries:
The landscapes of housing loan markets vary considerably across OECD countries, reflecting differences in preferences and policy settings. This paper first draws a topography of disparities in mortgage structure, documenting considerable variation across OECD countries in key features such as in use...
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| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Paris
OECD Publishing
2021
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| Schriftenreihe: | OECD Economics Department Working Papers
no.1693 |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | The landscapes of housing loan markets vary considerably across OECD countries, reflecting differences in preferences and policy settings. This paper first draws a topography of disparities in mortgage structure, documenting considerable variation across OECD countries in key features such as in use of fixed vs variable interest rates and typical maturities. The paper then discusses policies that can influence these outcomes. It highlights the scope for encouraging inclusive access to housing through tax-and-spending programmes that are neutral between renting and owning rather than through often very costly tax advantages for mortgage borrowing. The paper finally proposes a novel indicator to measure the balance between the rights of borrowers and lenders. Mortgage markets are deepest in countries where the index shows that creditor and borrower rights are balanced rather than severely tilted to one side. |
| Beschreibung: | 1 Online-Ressource (36 p.) 21 x 28cm. |
| DOI: | 10.1787/f97d7fe0-en |
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| spelling | van Hoenselaar, Frank VerfasserIn aut Mortgage finance across OECD countries Frank, van Hoenselaar ... [et al] Paris OECD Publishing 2021 1 Online-Ressource (36 p.) 21 x 28cm. Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier OECD Economics Department Working Papers no.1693 The landscapes of housing loan markets vary considerably across OECD countries, reflecting differences in preferences and policy settings. This paper first draws a topography of disparities in mortgage structure, documenting considerable variation across OECD countries in key features such as in use of fixed vs variable interest rates and typical maturities. The paper then discusses policies that can influence these outcomes. It highlights the scope for encouraging inclusive access to housing through tax-and-spending programmes that are neutral between renting and owning rather than through often very costly tax advantages for mortgage borrowing. The paper finally proposes a novel indicator to measure the balance between the rights of borrowers and lenders. Mortgage markets are deepest in countries where the index shows that creditor and borrower rights are balanced rather than severely tilted to one side. Economics Cournède, Boris MitwirkendeR ctb De Pace, Federica MitwirkendeR ctb Ziemann, Volker MitwirkendeR ctb FWS01 ZDB-13-SOC FWS_PDA_SOC https://doi.org/10.1787/f97d7fe0-en Volltext |
| spellingShingle | van Hoenselaar, Frank Mortgage finance across OECD countries Economics |
| title | Mortgage finance across OECD countries |
| title_auth | Mortgage finance across OECD countries |
| title_exact_search | Mortgage finance across OECD countries |
| title_full | Mortgage finance across OECD countries Frank, van Hoenselaar ... [et al] |
| title_fullStr | Mortgage finance across OECD countries Frank, van Hoenselaar ... [et al] |
| title_full_unstemmed | Mortgage finance across OECD countries Frank, van Hoenselaar ... [et al] |
| title_short | Mortgage finance across OECD countries |
| title_sort | mortgage finance across oecd countries |
| topic | Economics |
| topic_facet | Economics |
| url | https://doi.org/10.1787/f97d7fe0-en |
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