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Do mortgage interest rates respond more strongly to the rise of interest rate than the falls of interest rate?
2020-10-20 10:36:55
Do mortgage interest rates respond more strongly to the rise of interest rate than the falls of interest rate?
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Banks and mortgage interest (III)
2020-10-20 10:36:44
Banks and mortgage interest (III)
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Test European Mortgage Interest Rates
2020-10-20 10:36:10
This document performs the mean-variance test for the mortgage interest in the Netherlands and other European countries.
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The financial sector in the Netherlands is too powerful
2020-10-20 10:36:00
On October 12th, 2015, the Scientific Council for Government Policy (WRR) has it report "Society and financial sector in balance" presented to the Minister of Finances. In this report, the WRR exposed an unbalanced relationship between the financial sector and society. The conclusions are not smooth.
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Regional Differences
2020-10-20 10:35:39
There are more than 7.2 million homes in the Netherlands. These homes are different from other goods which we consume. After all, homes are "earth and nail-proof" bound to where they stand and have a long life. As a result, the housing stock is largely fixed. The people who live in it are in principle much less localized. They want to live where it suits them, in a good home in one pleasant environment, from which they can reach work and facilities.
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The future of Dutch housing policy (part 3)
2020-10-20 10:33:00
Over the past ten years, an extensive social debate has taken place about the effectiveness of the housing policy. The debate has resulted in broadly shared views on possible policy reforms to improve the functioning of the housing market. This includes phasing out subsidization of homeownership, striving for competitive rents, stimulating the middle segment of the rental sector and a stronger focus of the corporate sector housing on low-income households. Preconditions are accessibility and affordability for lower incomes. When formulating policy, a distinction must be made between short-term and long-term effects. With the short term, we mean the period from 2017 to 2021. With the long term, we mean the situation in the new long-term equilibrium between supply and demand in the housing market. Due to the stock nature of houses, such a balance is only reached after several decades.
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The future of Dutch housing policy (part 2)
2020-10-20 10:32:17
The Netherlands has a long tradition of housing policy. Affordability (price), availability (supply, volume) and quality of the housing stock have been the main objectives of this policy for decades, for which these aforementioned instruments such as rent regulation, the domain of housing corporations, the mortgage interest deduction, the transfer tax and the notional rental value have come into existence. Several reforms have already been implemented in the housing market. In this document, we try to identify the broad socio-financial and economic effects of possible further reform measures.
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The Future of Dutch Housing Policy (Part 1)
2020-10-20 10:31:51
The Netherlands has a long tradition of housing policy. Affordability (price), availability (supply, volume) and quality of the housing stock have been the main objectives of this policy for decades. In the past years, several instruments were used to achieve these goals, such as the rent regulation, the domain of housing associations, the mortgage interest deduction, the transfer tax and the notional rental value. Housing policy is therefore a dynamic process that never really ends. Several reforms have already been implemented in the housing market in recent years. New policy measures will undoubtedly be taken in the coming years. Frequently mentioned themes are the phasing out of the subsidization of homeownership, the pursuit of competitive rents, the stimulation of the middle segment of the rental sector and a stronger focus of the corporate sector on housing for low-income households. Pre-conditions are accessibility and affordability for lower incomes.