Risk mitigation on housing and mortgage markets across Europe; a tale of contrast and hope (draft version)

Homeownership rates have risen all over Europe during the last decades The result of a symbiosis between changing preferences of individual households and a government that - for divers’ political and economical reasons - promoted self-reliance on housing which in many cases matured in promoting homeownership. This paper comprises an extensive...

On the rationality of borrowers' behaviour: Comparing risk-attitudes of homeowners

Though time and depth of cycles differed from one European country to another, mortgage markets have grown in size, expanded in product variation and improved borrowers' accessibility to mortgage credit. However, this expanding range of mortgage opportunities significantly increases the search and information costs for a borrower, making it...

On the rationality of borrowers’ behaviour: Comparing risk attitudes of homeowners

The social limits of growth: Security and insecurity aspects of home ownership