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CEF.UP - WIP Seminar

Friday - January 17th, 2020 1:10 - 2:10 p.m. | Room 305

To change or not to change: the impact of mortgage law on loan origination
Ana Sá – CEF.UP

Concerns on households' over-indebtedness and mortgage default are central in the debate on how to prevent the next crisis. A tempting solution is to change the mortgage law to make it more borrower-friendly and protect households in case of default. With more borrower-friendly laws, the risk and cost of mortgages might increase, leading to a change in the supply of mortgage credit. Intuitively, lenders might react to a risk increase by charging a higher risk premium on loans or by demanding higher collateralization. By taking advantage of U.S. mortgage law heterogeneity across States, I study the direct and indirect effects of different law contexts.

Please fill in your lunch voucher here and confirm your attendance, no later than Thursday, January 16th at 3:00pm, to

We are looking forward to seeing you there.
Kind regards,
Alper Cenesiz


“Cef.up is financed by  Portuguese public funds through FCT - Fundação para a Ciência  e a Tecnologia, I.P., in the framework of the project UID/ECO/04105/2019”




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