105 posts on "Housing"
November 4, 2015
Differences in Rent Inflation by Cost of Housing
We know that different people experience different inflation rates because the bundle of goods and services that they consume is different from that of the “typical” household.
October 15, 2015
Evaluating the Rescue of Fannie Mae and Freddie Mac
In September 2008, the U.S. government engineered a dramatic rescue of Fannie Mae and Freddie Mac, placing the two firms into conservatorship and committing billions of taxpayer dollars to stabilize their financial position.
August 24, 2015
Rethinking Mortgage Design
John Campbell, Andreas Fuster, David O. Lucca, Stijn Van Nieuwerburgh, and James Vickery Because mortgages make up the majority of household debt in most developed countries, mortgage design has important implications for macroeconomic policy and household welfare. As one example, most U.S. mortgages have fixed interest rates—if interest rates fall, existing borrowers need to refinance […]
August 13, 2015
Just Released: Releveraging the Consumer Credit Panel with Two New Charts
Andrew Haughwout, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw Our Consumer Credit Panel, which is based on data from the Equifax credit reporting agency, first arrived at the New York Fed in 2009, and our very first Quarterly Report on Household Debt and Credit was published in August 2010, five years ago this month. We’ve continued […]
July 15, 2015
A Discussion of Thomas Piketty’s Capital in the Twenty‑First Century: Does More Capital Increase Inequality?
My aim in the second post of this series on Thomas Piketty’s Capital in the Twenty-First Century is to talk about the economist’s research accomplishment in reconstructing capital-output ratios for developed countries from the Industrial Revolution to the present and using them to explain why wealth inequality will rise in developed countries.
July 8, 2015
How Sensitive Is Housing Demand to Down Payment Requirements and Mortgage Rates?
When a household is looking to buy a home, financial considerations are usually very important.
May 28, 2015
Just Released: 2015 SCE Housing Survey Shows Households Optimistic about Housing Market
The Federal Reserve Bank of New York today released results from its 2015 SCE Housing Survey.
May 12, 2015
Just Released: Mortgage Borrowing among Most Creditworthy Abates
Today’s release of the New York Fed’s Quarterly Report on Household Debt and Credit for the first quarter of 2015 reports a flattening in household debt balances.
February 23, 2015
Insolvency after the 2005 Bankruptcy Reform
Personal bankruptcy was introduced in the United States through the Bankruptcy Act of 1978.
February 4, 2015
Household Formation within the “Boomerang Generation”
Young Americans’ living arrangements have changed strikingly over the past fifteen years, with recent cohorts entering the housing market at much lower rates and lingering much longer in their parents’ households.
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