Fixed vs. adjustable-rate mortgages and attention

被引：0

作者：

Gonzalez-Fernandez, Marcos ^{[1
]}

Trujillo, Francisco Jose Saez ^{[1
]}

Gonzalez-Velasco, Carmen ^{[1
]}

机构：

[1] Univ Leon, Leon 24071, Spain

来源：

FINANCE RESEARCH LETTERS | 2024年 / 62卷

关键词：

Mortgage market; Attention; Fixed-rate; Adjustable; -rate; Google data; SEARCH; RISK;

D O I：

10.1016/j.frl.2024.105150

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

The aim of this paper is to analyze the attention of households to fixed-rate and adjustable-rate mortgage loans depending on the evolution of interest rates. We hypothesize that a high level of general interest rates would lead to a higher attention to adjustable-rate mortgages. Using Google Trends tool to capture this attention, we demonstrate using VAR models that upsurges in interest rates precede a larger attention on Google searches related to adjustable-rate mortgages, but not for fixed-rate mortgages.

引用

页数：6

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