Economics, Econometrics and Finance
4 years ago

Swiss Mortgage Borrowers Show Limited Risk Exposure to Interest Rates.

Zeitschrift für schweizerische Statistik und Volkswirtschaft/Schweizerische Zeitschrift für Volkswirtschaft und Statistik/Swiss journal of economics and statistics
The Exposure of Mortgage Borrowers to Interest Rate Risk and House Price Risk — Evidence from Swiss Loan Application Data
Martin Brown, Benjamin Guin

Paper Summary

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Mortgage borrowers in Switzerland are not very exposed to interest rate and house price risks in the medium term. Their choice of mortgage type is more influenced by affordability than by risk concerns. Individual expectations about interest rates have little impact on the type of mortgage they choose.