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For project on “Mortgage Borrowing Constraints Beyond the Housing Market”
Project Owner: Steven Ongena
Co-applicant: Gazi Kabas (Tilburg University)
Project Partner: Emilia Garcia Appendini (Universität St. Gallen) and Kasper Roszbach (Norges Bank)
Start date: 1 April 2025
End date: 31 January 2029
Funding Body: Swiss National Science Foundation (SNSF), Project funding
Approved amount: 349,010 CHF
Steven Ongena, Professor of Banking in the Department of Finance at the University of Zurich (UZH) and senior chair at the Swiss Finance Institute (SFI) receives Swiss National Science Foundation (SNSF) Grant for his research project "Mortgage Borrowing Constraints Beyond the Housing Market".
While most studies on mortgage regulations focus on their effects on housing prices and purchase activity, this project shifts the focus to household consumption patterns. This research aims to analyze how changes in mortgage regulations affect household behavior beyond just buying a home. The relevance of this study has increased with the Norwegian government’s announcement in December 2024 to reverse the policy, raising the loan-to-value ratio (LTV) back to 90%.
Swiss National Science Foundation (SNSF): https://www.snf.ch/en
SFI: https://industry.sfi.ch/en/
