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  1. Do required minimum distribution 401(k) rules matter, and for whom?
    insights from a lifecylce model
    Autor*in: Horneff, Vanya; Maurer, Raimond; Mitchell, Olivia S.
    Erschienen: [2021]
    Verlag:  Center for Advanced Studies on the Foundations of Law and Finance, House of Finance, Goethe University, Frankfurt am Main, Germany

    Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD)... mehr

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    DS 778
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    Tax-qualified vehicles helped U.S. private-sector workers accumulate $25Tr in retirement assets. An often-overlooked important institutional feature shaping decumulations from these retirement plans is the "Required Minimum Distribution" (RMD) regulation, requiring retirees to withdraw a minimum fraction from their retirement accounts or pay excise taxes on withdrawal shortfalls. Our calibrated lifecycle model measures the impact of RMD rules on financial behavior of heterogeneous households during their worklives and retirement. We show that proposed reforms to delay or eliminate the RMD rules should have little effects on consumption profiles but more impact on withdrawals and tax payments for households with bequest motives.

     
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    Sprache: Englisch
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    Weitere Identifier:
    hdl: 10419/244697
    Schriftenreihe: LawFin working paper ; no. 17
    Schlagworte: 401(k) plan; household finance; life cycle saving; retirement; tax policy
    Umfang: 1 Online-Ressource (circa 40 Seiten), Illustrationen
  2. Piercing through opacity
    relationships and credit card lending to consumers and small businesses during normal times and the COVID-19 crisis
    Autor*in: Berger, Allen N.; Bouwman, Christa H. S.; Norden, Lars; Roman, Raluca A.; Udell, Gregory F.; Wang, Teng
    Erschienen: [2021]
    Verlag:  Research Department, Federal Reserve Bank of Philadelphia, Philadelphia, PA

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    Schriftenreihe: Working papers / Research Department, Federal Reserve Bank of Philadelphia ; 21, 19 (May 2021)
    Schlagworte: Credit cards; household finance; consumers; small businesses; relationship lending; banks; credit terms; cross-sectional smoothing; financial crises,COVID-19; intertemporal smoothing
    Umfang: 1 Online-Ressource (circa 77 Seiten), Illustrationen
  3. Distrust or speculation?
    the socioeconomic drivers of U.S. cryptocurrency investments
    Autor*in: Auer, Raphael A.; Tercero-Lucas, David
    Erschienen: September 2021
    Verlag:  CESifo, Center for Economic Studies & Ifo Institute, Munich, Germany

    Employing representative data from the U.S. Survey of Consumer Payment Choice, we disprove the hypothesis that cryptocurrency investors are motivated by distrust in fiat currencies or regulated finance. Compared with the general population, investors... mehr

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    Employing representative data from the U.S. Survey of Consumer Payment Choice, we disprove the hypothesis that cryptocurrency investors are motivated by distrust in fiat currencies or regulated finance. Compared with the general population, investors show no differences in their level of security concerns with either cash or commercial banking services. We find that cryptocurrency investors tend to be educated, young and digital natives. In recent years, a gap in ownership of cryptocurrencies across genders has emerged. We examine how investor characteristics vary across cryptocurrencies and show that owners of cryptocurrencies increasingly tend to hold their investment for longer periods.

     
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    hdl: 10419/245468
    Schriftenreihe: CESifo working paper ; no. 9287 (2021)
    Schlagworte: digital currencies; cryptocurrencies; distributed ledger technology; blockchain; payments; digitalisation; banking; household finance; money; bitcoin; ether; xrp; bitcoin cash; litecoin; stellar; eos
    Umfang: 1 Online-Ressource (circa 51 Seiten), Illustrationen
  4. Peer effects and debt accumulation
    evidence from lottery winnings
    Autor*in: Gulbrandsen, Magnus A. H.
    Erschienen: [2021]
    Verlag:  Norges Bank, Oslo

    I estimate the effect of lottery winnings on peers' debt accumulation using administrative data from Norway. I identify neighbors of lottery winners, and estimate an average debt response of 2.1 percent of the lottery prize among households that live... mehr

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    I estimate the effect of lottery winnings on peers' debt accumulation using administrative data from Norway. I identify neighbors of lottery winners, and estimate an average debt response of 2.1 percent of the lottery prize among households that live up to ten houses from the winner. Analyzing heterogeneity, I find that neighborhood characteristics and shared characteristics with the winner matter for the debt response: there is a tendency for greater effects for those (1) residing closest to the winner, (2) residing in single-household dwellings, (3) with a longer tenure, and (4) with a household structure similar to that of the winner. Finally, estimates of the (imputed) expenditure response among neighbors indicate that they accumulate debt to finance increased spending, consistent with a "keeping-up-with-the Joneses" type explanation, where neighbors react to each others expenditure.

     
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    ISBN: 9788283792058
    Weitere Identifier:
    hdl: 11250/2827721
    hdl: 10419/264933
    Schriftenreihe: Working paper / Norges Bank ; 2021, 10
    Schlagworte: peer effects; debt accumulation; income shocks; network homophily; household finance
    Umfang: 1 Online-Ressource (circa 60 Seiten), Illustrationen
  5. Preparing for the tax reform: the risky French households' portfolio in 2018
    Autor*in: Arrondel, Luc; Coffinet, Jérôme
    Erschienen: [2021]
    Verlag:  Paris School of Economics, Paris

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    Schriftenreihe: Working paper / Paris School of Economics ; no 2021, 49
    Schlagworte: Portfolio choice; equity demand; risk premium puzzle; household finance
    Umfang: 1 Online-Ressource (circa 29 Seiten), Illustrationen
  6. Distrust or speculation?
    the socioeconomic drivers of U.S. cryptocurrency investments
    Autor*in: Auer, Raphael A.; Tercero-Lucas, David
    Erschienen: 06 September 2021
    Verlag:  Centre for Economic Policy Research, London

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Standort:
    Universitätsbibliothek Mannheim
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    Schriftenreihe: Array ; DP16518
    Schlagworte: Digital Currencies; cryptocurrencies; distributed ledger technology; blockchain,Payments; digitalisation; Banking; household finance; money; Bitcoin
    Umfang: 1 Online-Ressource (circa 52 Seiten), Illustrationen
  7. Can internet banking affect households' participation in financial markets and financial awareness?
    Autor*in: Michelangeli, Valentina; Viviano, Eliana
    Erschienen: [2021]
    Verlag:  Banca d'Italia Eurosistema, [Rom]

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    Schriftenreihe: Temi di discussione / Banca d'Italia ; number 1329 (April 2021)
    Schlagworte: Internet banking; financial market participation; household finance
    Umfang: 1 Online-Ressource (circa 63 Seiten), Illustrationen
  8. Three essays on households' finances and their macroeconomic Relevance
    Autor*in: Bartscher, Alina Kristin
    Erschienen: 2021
    Verlag:  Universitäts- und Landesbibliothek Bonn, Bonn

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    Universitätsbibliothek Braunschweig
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    Staats- und Universitätsbibliothek Bremen
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    Universitätsbibliothek Clausthal
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    Fachhochschule Erfurt, Hochschulbibliothek
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    Niedersächsische Staats- und Universitätsbibliothek Göttingen
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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    Staats- und Universitätsbibliothek Hamburg Carl von Ossietzky
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    Technische Universität Hamburg, Universitätsbibliothek
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    Bibliothek der Hochschule Hannover
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    Bibliothek im Kurt-Schwitters-Forum
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    Technische Informationsbibliothek (TIB) / Leibniz-Informationszentrum Technik und Naturwissenschaften und Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Zentrale Hochschulbibliothek Lübeck
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    Leuphana Universität Lüneburg, Medien- und Informationszentrum, Universitätsbibliothek
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    Hochschule Magdeburg-Stendal, Hochschulbibliothek
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    Hochschule Osnabrück, Bibliothek Campus Westerberg
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    Hochschule Magdeburg-Stendal, Standort Stendal, Bibliothek
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    UB Weimar
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    Quelle: Verbundkataloge
    Sprache: Englisch
    Medientyp: Dissertation
    Format: Online
    Weitere Identifier:
    hdl: 20.500.11811/9246
    Schlagworte: household finance; inequality; household debt; microdata; borrowing constraints; home equity extraction; college wealth premium
    Umfang: 1 Online-Ressource (circa 166 Seiten), Illustrationen
    Bemerkung(en):

    Dissertation, Rheinische Friedrich-Wilhelms-Universität Bonn, 2021
  9. The effect of macroeconomic uncertainty on household spending
    Autor*in: Coibion, Olivier; Georgarakos, Dimitris; Gorodnichenko, Yuriy; Kenny, Geoff; Weber, Michael
    Erschienen: [2021]
    Verlag:  European Central Bank, Frankfurt am Main, Germany

    Using a new survey of European households, we study how exogenous variation in the macroeconomic uncertainty perceived by households affects their spending decisions. We use randomized information treatments that provide different types of... mehr

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    Using a new survey of European households, we study how exogenous variation in the macroeconomic uncertainty perceived by households affects their spending decisions. We use randomized information treatments that provide different types of information about the first and/or second moments of future economic growth to generate exogenous changes in the perceived macroeconomic uncertainty of some households. The effects on their spending decisions relative to an untreated control group are measured in follow-up surveys. Higher macroeconomic uncertainty induces households to reduce their spending on non-durable goods and services in subsequent months as well as to engage in fewer purchases of larger items such as package holidays or luxury goods. Moreover, uncertainty reduces household propensity to invest in mutual funds. These results support the notion that macroeconomic uncertainty can impact household decisions and have large negative effects on economic outcomes.

     
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    ISBN: 9789289945578
    Weitere Identifier:
    hdl: 10419/237696
    Schriftenreihe: Working paper series / European Central Bank ; no 2557 (May 2021)
    Schlagworte: Uncertainty; household spending; household finance; surveys; randomized control trial
    Umfang: 1 Online-Ressource (circa 61 Seiten), Illustrationen
  10. Division of financial responsibility among mixed-gender couples
    Autor*in: Hitczenko, Marcin
    Erschienen: [2021]
    Verlag:  Federal Reserve Bank of Atlanta, Atlanta, GA

    This paper uses individuals' self-assessments of their contribution to four household activities to study how mixed-gender couples divide household responsibility. Household responsibility dynamics are characterized according to a three-point ordinal... mehr

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    This paper uses individuals' self-assessments of their contribution to four household activities to study how mixed-gender couples divide household responsibility. Household responsibility dynamics are characterized according to a three-point ordinal variable, whose distribution is linked to a variety of household demographics via a proportional odds model fit using survey data from both members of 327 couples. The data reveal that household tendencies depend on household demographics, albeit differently across the four activities. For household shopping, gender is the primary determinant of dynamics, with females consistently shouldering more responsibility than males. For activities more closely linked to financial decision making, however, greater responsibility aligns more with higher income and educational standing within the household. In addition, there is evidence that gender links less with role assignments in more highly educated households, but not in younger households.

     
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    hdl: 10419/244311
    Schriftenreihe: Working paper series / Federal Reserve Bank of Atlanta ; 2021, 8 (February 2021)
    Schlagworte: gender roles; household finance; proportional odds model; Survey of Consumer Payment Choice
    Umfang: 1 Online-Ressource (circa 26 Seiten), Illustrationen
  11. Distrust or speculation?
    the socioeconomic drivers of US cryptocurrency investments
    Autor*in: Auer, Raphael A.; Tercero-Lucas, David
    Erschienen: 2021
    Verlag:  Bank for International Settlements, Monetary and Economic Department, [Basel]

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    Schriftenreihe: BIS working papers ; no 951 (July 2021)
    Schlagworte: digital currencies; cryptocurrencies; distributed ledger technology; blockchain; payments; digitalisation; banking; household finance; money; bitcoin; ether; xrp; bitcoin cash; litecoin; stellar; eos
    Umfang: 1 Online-Ressource (circa 52 Seiten), Illustrationen
  12. Information or persuasion in the mortgage market
    the role of brand names
    Autor*in: Carella, Agnese; Michelangeli, Valentina
    Erschienen: [2021]
    Verlag:  Banca d'Italia Eurosistema, [Rom]

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    Schriftenreihe: Temi di discussione / Banca d'Italia ; number 1340 (June 2021)
    Schlagworte: brand; mortgages; household finance
    Umfang: 1 Online-Ressource (circa 74 Seiten), Illustrationen
  13. What drives investors to chase returns?
    Autor*in: Huntley, Jonathan; Michelangeli, Valentina; Reichling, Felix
    Erschienen: [2021]
    Verlag:  Banca d'Italia Eurosistema, [Rom]

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Schriftenreihe: Temi di discussione / Banca d'Italia ; number 1334 (April 2021)
    Schlagworte: household finance; retirement saving; life-cycle
    Umfang: 1 Online-Ressource (circa 64 Seiten), Illustrationen
  14. Living with reduced income
    an analysis of household financial vulnerability under COVID-19
    Autor*in: Midões, Catarina; Seré, Mateo
    Erschienen: December 2020
    Verlag:  Institute for Social and Economic Research, University of Essex, Colchester, Essex, UK

    The COVID-19 crisis has led to substantial reductions in earnings. We propose a new measure of financial vulnerability, computable through survey data, to determine whether households can withstand a certain income shock for a defined period of time.... mehr

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    The COVID-19 crisis has led to substantial reductions in earnings. We propose a new measure of financial vulnerability, computable through survey data, to determine whether households can withstand a certain income shock for a defined period of time. Using data from the ECB Household Finance and Consumption Survey (HFCS) we analyse preexisting financial vulnerability in seven EU countries. We find that income support is essential for many families: 47.2 million individuals, out of the 243 million considered, cannot afford three months of food and housing expenses without privately earned income. Differences across countries are stark, and those born outside of the EU are especially vulnerable. Through a tax-benefit microsimulation exercise, we then derive household net income when employees are laid-off and awarded the COVID-19 employment protection benefits enacted in the different countries. Our findings suggest that the COVID-19 employment protection schemes awarded are extremely effective in reducing the number of vulnerable individuals. The relative importance of rent and mortgage suspensions in alleviating vulnerability is highly country dependent.

     
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    Weitere Identifier:
    hdl: 10419/259510
    Schriftenreihe: EUROMOD working paper series ; EM 20, 21
    Schlagworte: vulnerability; household finance; microsimulation; COVID-19
    Umfang: 1 Online-Ressource (circa 26 Seiten), Illustrationen
  15. Impacts of COVID-19 on households in ASEAN countries and their implications for human capital development
    Autor*in: Morgan, Peter J.; Long Quang Trinh
    Erschienen: [2021]
    Verlag:  Asian Development Bank Institute, Tokyo, Japan

    The outbreak of the COVID-19 virus and the resulting falls in demand due both to uncertainty and policy interventions such as lockdowns, "social distancing", and travel restrictions are having a severe impact on Asian economies and hence on Asian... mehr

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    Max-Planck-Institut für ausländisches öffentliches Recht und Völkerrecht, Bibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    The outbreak of the COVID-19 virus and the resulting falls in demand due both to uncertainty and policy interventions such as lockdowns, "social distancing", and travel restrictions are having a severe impact on Asian economies and hence on Asian households. These negative impacts come through a variety of channels, including loss of employment or reduced working hours, loss of sales and income of a household business, inability to travel to work, increased need to stay at home to look after children or sick household members, higher prices and/or lack of availability of staple items, reduced access to schooling, etc. In order to better understand these impacts, we carried out computer-assisted telephone interviews of households in eight ADB developing member countries: Cambodia, the Lao People’s Democratic Republic, Indonesia, Malaysia, Myanmar, the Philippines, Thailand, and Viet Nam. Our empirical results suggest that various household characteristics, including household income class (before COVID-19), household demographic factors, and COVID-19-induced factors such as having at least one person who lost their job or being located in lockdown areas, all affected the likelihood of a decline in income. In all countries, having at least one person who lost their job or had reduced working time increases the likelihood of experiencing financial difficulties by 17 percentage points. About 27% of children who stopped attending school could not fully participate in online learning programs due to weak/insufficient internet connections and a lack of digital devices. Two COVID-19-related factors - having at least one person who lost their job or had working hours reduced and experiencing financial difficulties - significantly affect the intensity of online classes taken by children in an average household.

     
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    Weitere Identifier:
    hdl: 10419/238583
    Schriftenreihe: ADBI working paper series ; no. 1226 (March 2021)
    Schlagworte: COVID-19; ASEAN; household income; employment; consumption; household finance; education; online learning
    Umfang: 1 Online-Ressource (circa 34 Seiten), Illustrationen
  16. The gender wealth gap in Europe: a comparative study using a model averaging methodology
    Autor*in: Kukk, Merike; Meriküll, Jaanika; Rõõm, Tairi
    Erschienen: 2020
    Verlag:  Eesti Pank, Tallinn

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    Medientyp: Ebook
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    ISBN: 9789949606818
    Weitere Identifier:
    Schriftenreihe: Working paper series / Eesti Pank ; 7,2020
    Schlagworte: gender gap; imputation; model averaging; wealth distribution,inequality; intra-household allocation of wealth; household finance; Europe
    Umfang: 1 Online-Ressource (circa 49 Seiten), Illustrationen
  17. The effect of macroeconomic uncertainty on household spending
    Autor*in: Coibion, Olivier; Georgarakos, Dimitris; Gorodnichenko, Yuriy; Kenny, Geoff; Weber, Michael
    Erschienen: March 2021
    Verlag:  IZA - Institute of Labor Economics, Bonn, Germany

    Using a new survey of European households, we study how exogenous variation in the macroeconomic uncertainty perceived by households affects their spending decisions. We use randomized information treatments that provide different types of... mehr

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    Using a new survey of European households, we study how exogenous variation in the macroeconomic uncertainty perceived by households affects their spending decisions. We use randomized information treatments that provide different types of information about the first and/or second moments of future economic growth to generate exogenous changes in the perceived macroeconomic uncertainty of some households. The effects on their spending decisions relative to an untreated control group are measured in follow-up surveys. Higher macroeconomic uncertainty induces households to reduce their spending on non-durable goods and services in subsequent months as well as to engage in fewer purchases of larger items such as package holidays or luxury goods. Moreover, uncertainty reduces household propensity to invest in mutual funds. These results support the notion that macroeconomic uncertainty can impact household decisions and have large negative effects on economic outcomes.

     
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    Weitere Identifier:
    hdl: 10419/236244
    Schriftenreihe: Discussion paper series / IZA ; no. 14213
    Schlagworte: uncertainty; household spending; household finance; surveys; randomized control trial
    Umfang: 1 Online-Ressource (circa 57 Seiten), Illustrationen
  18. Estonian household finance and consumption survey: results from the 2017 wave
    Autor*in: Meriküll, Jaanika; Rõõm, Tairi
    Erschienen: 2019
    Verlag:  Eesti Pank, [Tallinn]

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    ISBN: 9789949606597
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    Schriftenreihe: Occasional paper series / Eesti Pank ; 2019, 1
    Schlagworte: household finance; Estonia; assets; liabilities; net wealth; financial fragility; credit constraints; hand-to-mouth households
    Umfang: 1 Online-Ressource (circa 70 Seiten), Illustrationen
  19. A stress testing framework for the Maltese household sector
    Autor*in: Abela, Kirsten; Georgakopoulus, Ilias
    Erschienen: [2022]
    Verlag:  Central Bank of Malta, [Valletta]

    This paper outlines a stress testing framework for the household sector in Malta based on micro data. The analysis depends on granular data relating to income, expenses, and the value of liquid assets from the third wave of the Household Finance and... mehr

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    This paper outlines a stress testing framework for the household sector in Malta based on micro data. The analysis depends on granular data relating to income, expenses, and the value of liquid assets from the third wave of the Household Finance and Consumption Survey and assesses the financial resilience of households to macro-financial shocks. Households' vulnerability is evaluated based on probabilities of default, while loan losses to banks are quantified by means of the exposure at default and loss given default. The analysis examines the impact of four adverse shocks separately: a rise in interest rates, an increase in the unemployment rate, a fall in real estate prices, and a fall in the value of liquid assets. The results indicate that: (i) households are most vulnerable to potential interest rate shocks, (ii) Maltese households have an ample amount of liquid assets that can cover their losses, and (iii) potential loans losses to banks stemming from the household sector are limited. Lastly, to simulate unfavourable economic conditions, the individual shocks are assessed simultaneously by producing two combined stress test scenarios. It is found that the combined high-scale scenario results in a higher impact on the financial vulnerability metrics, but the effects are contained.

     
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    hdl: 10419/268296
    Schriftenreihe: Working papers / Central Bank of Malta ; WP/2022, 04
    Schlagworte: Stress testing; financial stability; HFCS; household finance; household surveys; Malta
    Umfang: 1 Online-Ressource (circa 28 Seiten)
  20. Wealth inequality
    opportunity or unfairness?
    Autor*in: Chaliasos, Michaēl; Jansson, Thomas; Karabulut, Yigitcan
    Erschienen: 21 April 2022
    Verlag:  Centre for Economic Policy Research, London

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    Schriftenreihe: Discussion paper series / Centre for Economic Policy Research ; DP17237$p
    Schlagworte: household finance; Wealth Inequality; propagation of inequality; Education; Opportunity; Refugees
    Umfang: 1 Online-Ressource (circa 56 Seiten), Illustrationen
  21. Welfare cuts, local spillovers and financial fragility
    Autor*in: Adelino, Manuel; Goldman, Jim
    Erschienen: 13 April 2022
    Verlag:  Centre for Economic Policy Research, London

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    Schriftenreihe: Array ; DP17219
    Schlagworte: austerity; employment; Spillovers; household finance
    Umfang: 1 Online-Ressource (circa 49 Seiten), Illustrationen
  22. Refinancing cross-subsidies in the mortgage market
    Autor*in: Fisher, Jack; Gavazza, Alessandro; Liu, Lu; Ramadorai, Tarun; Tripathy, Jagdish
    Erschienen: November 2021
    Verlag:  Bank of England, London

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    Schriftenreihe: Staff working paper / Bank of England ; no. 948
    Schlagworte: Mortgages; refinancing; cross-subsidies; wealth inequality; household inaction; household finance
    Umfang: 1 Online-Ressource (circa 80 Seiten), Illustrationen
  23. How do mortgage rate resets affect consumer spending and debt repayment?
    evidence from Canadian consumers
    Autor*in: Kartashova, Katya; Zhou, Xiaoqing
    Erschienen: May 2022
    Verlag:  Federal Reserve Bank of Dallas, Research Department, Dallas

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    Schriftenreihe: Working paper / Federal Reserve Bank of Dallas, Research Department ; 2206
    Schlagworte: Mortgage rate; monetary policy; consumption; consumer expectations; household finance
    Umfang: 1 Online-Ressource (circa 65 Seiten), Illustrationen
  24. Refinancing cross-subsidies in the mortgage market
    Autor*in: Fisher, Jack; Gavazza, Alessandro; Liu, Lu; Ramadorai, Tarun; Tripathy, Jagdish
    Erschienen: 22 July 2022
    Verlag:  Centre for Economic Policy Research, London

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    Schriftenreihe: Array ; DP17491
    Schlagworte: Mortgages; refinancing; cross-subsidies; Wealth Inequality; household inaction; household finance; inertia
    Umfang: 1 Online-Ressource (circa 78 Seiten), Illustrationen
  25. Dynastic home equity
    Autor*in: Benetton, Matteo; Kudlyak, Marianna; Mondragon, John
    Erschienen: July 2022
    Verlag:  IZA - Institute of Labor Economics, Bonn, Germany

    Using a nationally representative panel of consumer credit records for the US from 1999 to 2021, we document a positive correlation between child and parent homeownership. We propose a new causal mechanism behind this relationship based on parents... mehr

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    Using a nationally representative panel of consumer credit records for the US from 1999 to 2021, we document a positive correlation between child and parent homeownership. We propose a new causal mechanism behind this relationship based on parents extracting home equity to help finance their child's home purchase and quantify this mechanism in several ways. First, controlling for cohort, zip code, age, and the credit-worthiness of parents and children, we find that children whose parents extract equity are 60% more likely to become a homeowner than children whose homeowner-parents do not extract equity. Second, using an event study approach, we find that the increase in child homeownership occurs almost entirely in the year when parents extract equity. Third, using variation in equity extraction induced by households near leverage constraints, we find parental equity extraction increases the child's probability of becoming a homeowner by about five times. Our results highlight the importance of familial wealth for household wealth accumulation and housing wealth in particular. A back-of-the-envelope calculation suggests that dynastic home equity increases housing wealth inequality among young adults by 20%.

     
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    hdl: 10419/263645
    Schriftenreihe: Discussion paper series / IZA ; no. 15429
    Schlagworte: home equity; intergenerational wealth; inequality; mortgages; housing; household finance
    Umfang: 1 Online-Ressource (circa 58 Seiten), Illustrationen