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dc.contributor.authorDiaz-Serrano, Luisen
dc.contributor.authorRaya, Josep M.en
dc.date.accessioned2011-07-28-
dc.date.accessioned2011-11-23T11:34:22Z-
dc.date.available2011-11-23T11:34:22Z-
dc.date.issued2011-
dc.identifier.piurn:nbn:de:101:1-201104134005en
dc.identifier.urihttp://hdl.handle.net/10419/51745-
dc.description.abstractIn this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage market exists. More specifically, we test whether, ceteris paribus, immigrant borrowers tend to be charged with higher interest rates on their mortgages than their Spanish born counterparts. To do so, we use a unique dataset on granted mortgages that contains information not only regarding the conditions of the loan but also the socio-economic characteristics of the mortgagors. We observe that immigrants are systematically charged with higher interest rates. We apply the well known Oaxaca-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to discrimination. Our results indicate that approximately two thirds of the gap in the interest rate between Spanish born and immigrant borrowers can be attributed to discriminatory treatment.en
dc.language.isoengen
dc.publisher|aInstitute for the Study of Labor (IZA) |cBonnen
dc.relation.ispartofseries|aIZA Discussion Papers |x5578en
dc.subject.jelR21en
dc.subject.jelG21en
dc.subject.jelJ14en
dc.subject.ddc330en
dc.subject.keywordimmigrationen
dc.subject.keyworddiscriminationen
dc.subject.keywordmortgage pricingen
dc.subject.keywordhousing marketen
dc.titleIs there discriminatory mortgage pricing against immigrants in the Spanish lending market?-
dc.typeWorking Paperen
dc.identifier.ppn665022247en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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