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The heterogeneous impact of labor market shifts on household mortgage taking
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The heterogeneous impact of labor market shifts on household mortgage taking

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This paper examines how structural change in labor markets affects household credit outcomes. Using a Shift-Share instrumental variable approach, we find that occupational shifts negatively influence mortgage holding for households facing favorable job market conditions, such as stable employment and income growth. Our results, robust to alternative specifications, suggest that when both individual and economy-wide career prospects are favorable, the opportunity costs of settling down grow accordingly.
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ISSN 1725-2806
ISBN 978-92-899-7425-7
DOI 10.2866/7455847
Numer katalogowy QB-01-25-198-EN-N
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ISSN 1725-2806 ISBN 978-92-899-7425-7 DOI 10.2866/7455847 Numer katalogowy QB-01-25-198-EN-N
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