The Impact of Housing Markets on Consumer Debt: Credit Report Evidence from 1999 to 2012

We estimate the response of consumer debt portfolios to pronounced housing market swings from 1999 to 2012 using Equifax-sourced credit report data and a variety of identification approaches. We find: (i) the extraordinary climb in home equity debt from 2002 to 2006 is an expression of a stable, lon...

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Veröffentlicht in:	Journal of money, credit and banking credit and banking, 2015-03, Vol.47 (S1), p.175-213
Hauptverfasser:	BROWN, META, STEIN, SARAH, ZAFAR, BASIT
Format:	Artikel
Sprache:	eng
Schlagworte:	Borrowing Consumer credit consumer finance Credit cards Credit reports D12 D14 D91 Debt Equity G01 Home equity loans Home ownership Homeowners housing Housing market Housing prices Loans Portfolio analysis Real estate market Service introduction Student loans Students Studies
Online-Zugang:	Volltext
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