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Meeuwsen, S.H. (author)First time buyers have an important role on the housing market. First time buyers namely determine a large proportion of the movements on the owner occupied market (Marwijk, Pellenbarg, & Ruiter, 2014, p. 7) and are necessary to create liquidity at the lower end of the owner occupied market (Neuteboom & Brounen, 2007). Currently first time...master thesis 2017