Blar i Arbeidsrapport (Høgskolen i Østfold). ØSS på utgivelsesdato
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Pris- og belåningsgevinster i husholdningenes boligformue
(Arbeidsrapport (Høgskolen i Østfold);2011:9, Working paper, 2011-12-21)Siden 1992 har prisutviklingen i det norske boligmarkedet gitt betydelige formuesgevinster for boligeierne. Ettersom boliginvesteringer ofte lånefinansieres inkluderer formuesgevinsten potensielt også en belåningsgevinst. ... -
Finansielle akseleratorer i boligmarkedet: En kortsiktstilnærming med utgangspunkt i belåningsgrad og belåningsgevinst
(Working paper, 2012-03-06)Denne artikkelen ser nærmere på sammenhengen mellom belåningsgraden (Loan-to-value (LTV)) og belåningsgevinsten i husholdningenes boliginvesteringer. Siden 1992 har prisutviklingen i det norske boligmarkedet gitt betydelige ... -
Equity induced up-trading and the housing market structure: Implications for Price-to-Income (PTI) and macroprudential interventions
(Arbeidsrapport (Høgskolen i Østfold);2012:3, Working paper, 2012-06-27)This paper relates the housing market structure and the intensity of equity induced up-trading between market segments to the equilibrium ratio between house prices and household income (PTI-ratio). When fed back into the ... -
Together or apart?: Attitudes towards multi-ethnic state and ethnically mixed communities in post-independence Kosovo
(Arbeidsrapport (Høgskolen i Østfold);2011:11, Working paper, 2012-06-29)The success of Kosovo as an independent and multi-ethnic state depends crucially on the ability and willingness of different ethnic groups to live and work together. We explore the attitudes towards multi-ethnic state and ... -
Gender, ethnicity and migration?: Explaining aspirations to join the EU in post-independence Kosovo
(Arbeidsrapport (Høgskolen i Østfold);2011:10, Working paper, 2012-06-29)We explore the attitudes towards joining the EU in post-independence Kosovo, focussing particularly on the potential role of gender, ethnicity and migration. The study is based on a survey of 1367 respondents carried out ... -
A comment on LTV, risk and incentives in mortgage markets
(Arbeidsrapport (Høgskolen i Østfold);2012:4, Working paper, 2012-08-29)This paper comments on the increase in LTV ratios experienced in a number of countries in the years preceding the financial crisis. Highlighting the capital structure of housing investments and the excess return to housing ... -
Born at the wrong time?: The effects of the 2004 Minority Education Reform on pupil performance in Latvia
(Arbeidsrapport (Høgskolen i Østfold);2011:12, Working paper, 2012-10-01)One quarter of all schoolchildren in Latvia go to the publicly funded minority (predominantly Russian) schools. In 2004, the language of instruction in minority schools was changed from essentially minority language to a ... -
Housing careers, house price dispersion and the housing market multiplier
(Arbeidsrapport (Høgskolen i Østfold);2012:7, Working paper, 2012-10-11)Housing markets reflect our housing consumption profile over the life cycle. As we age, marry and have kids, we seek larger dwellings and to a greater extent owner-occupied housing. The up-trading process has two key ...