Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/298435 
Year of Publication: 
2022
Series/Report no.: 
Economic Memo No. 13
Publisher: 
Danmarks Nationalbank, Copenhagen
Abstract: 
Borrower-based regulation, influencing housing buyers’ access to credit, would have different effects depending on buyer’s demographics, wealth and location. By modelling housing buyers’ preferences and budget constraints, we find that any such regulation would push demand to suburban areas. Limits on debt-to-income ratios (DTI) would mainly affect buyers in the largest cities; however, we find that the restrictions would not affect net demand for small apartments in Copenhagen.
Document Type: 
Research Report

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