| 来源类型 | Discussion paper |
| 规范类型 | 论文 |
| 来源ID | DP11589 |
| DP11589 Housing, Mortgages, and Self Control | |
| Kathrin Schlafmann | |
| 发表日期 | 2016-10-30 |
| 出版年 | 2016 |
| 语种 | 英语 |
| 摘要 | Using a quantitative theoretical framework this paper analyzes how problems of self control influence housing and mortgage decisions. The results show that people with stronger problems of self control are less likely to become home owners, even though houses serve as commitment for saving. The paper then investigates the welfare effects of regulating mortgage products if people differ in their degree of self control. Higher down payment requirements and restrictions on prepayment turn out to be beneficial to people with sufficiently strong problems of self control, even though these policies further restrict access to the commitment device. |
| 主题 | Monetary Economics and Fluctuations |
| 关键词 | Housing Mortgages Self control Temptation Commitment device |
| URL | https://cepr.org/publications/dp11589 |
| 来源智库 | Centre for Economic Policy Research (United Kingdom) |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/540403 |
| 推荐引用方式 GB/T 7714 | Kathrin Schlafmann. DP11589 Housing, Mortgages, and Self Control. 2016. |
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