Effects of Easing LTV·DTI Regulations on the Debt Structure and Credit Risk of Borrowers
With CB data in South Korea, this study examines whether the credit risk of borrowers changes when the regulation on bank mortgage supply is relaxed. We analyze the effect of deregulation on LTV and DTI limits in the Seoul-metropolitan area in August 2014 with a difference-in-difference approach. We...
| Main Authors: | , |
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| Format: | Article |
| Language: | English |
| Published: |
Korea Development Institute
2021-08-01
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| Series: | KDI Journal of Economic Policy |
| Subjects: | |
| Online Access: | https://kdijep.org/v.43/3/1/Effects+of+Easing+LTV%C2%B7DTI+Regulations+on+the+Debt+Structure+and+Credit+Risk+of+Borrowers%E2%80%A0 |