Blar i Arbeidsnotater / Working Papers på emneord "household finance"

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    • Mental Accounting in the Housing Market 

      Almenberg, Johan; Karapetyan, Artashes (Working Papers;20/2010, Working paper, 2010)
      We report evidence that salience may have economically significant effects on homeowners' borrowing behavior, through a bias in favour of less salient but more costly loans. We outline a simple model in which some consumers ...

    • Peer effects and debt accumulation: Evidence from lottery winnings 

      Gulbrandsen, Magnus A. H. (Working Paper;10/2021, Working paper, 2021)
      I estimate the effect of lottery winnings on peers' debt accumulation using administrative data from Norway. I identify neighbors of lottery winners, and estimate an average debt response of 2.1 percent of the lottery ...

    • Salience of Debt and Homebuyers’ Credit Decisions 

      Agarwal, Sumit; Karapetyan, Artashes (Working Papers;21/2015, Working paper, 2015)
      We show how a regulatory disclosure of hidden debt can eliminate a large mispricing in housing. In a setting where homebuyers must combine several sources of debt, they are biased towards hidden loans, especially if they ...

    • The Saving and Employment Effects of Higher Job Loss Risk 

      Juelsrud, Ragnar E.; Wold, Ella Getz (Working Paper;17/2019, Working paper, 2019)
      In this paper we use Norwegian tax data and a novel natural experiment to isolate the impact of job loss risk on saving behavior. We find that a one percentage point increase in job loss risk increases liquid savings by ...