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¿Afectan las restricciones financieras al régimen de tenencia de vivienda?

Author

Listed:
  • Sergio Mayordomo

    (Universidad Carlos III de Madrid)

Abstract

Este trabajo cuantifica el impacto de las restricciones financieras en la decisión de compra de vivienda de las familias españolas. Para ello se usa una variante de la metodología existente basada en el estudio de Linneman y Wachter (1989). En una primera etapa se estima el valor de la vivienda deseada por los hogares mediante un modelo Tobit generalizado. Esta estimación se usa para clasificar a los hogares según el grado de las restricciones a las que se enfrentan para obtener financiación externa. Los resultados muestran como, a pesar del alto porcentaje de propietarios, las restricciones de riqueza influyen enormemente sobre el régimen de tenencia mientras que las restricciones de renta tienen un impacto nulo.

Suggested Citation

  • Sergio Mayordomo, 2008. "¿Afectan las restricciones financieras al régimen de tenencia de vivienda?," Investigaciones Economicas, Fundación SEPI, vol. 32(3), pages 289-324, September.
    • Handle: RePEc:iec:inveco:v:32:y:2008:i:3:p:289-324
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    Citations

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    Cited by:

    1. F. J. Callado-Munoz & J. Gonzalez-Chapela & N. Utrero-Gonzalez, 2017. "Analysis of Variance in Household Financial Portfolio Choice: Evidence from Spain," Czech Journal of Economics and Finance (Finance a uver), Charles University Prague, Faculty of Social Sciences, vol. 67(5), pages 439-459, October.
    2. Callado Muñoz, Francisco Jose & González Chapela, Jorge & Utrero González, Natalia, 2014. "Analysis of deviance in household financial portfolio choice: evidence from Spain," MPRA Paper 57497, University Library of Munich, Germany.
    3. Juan Mora-Sanguinetti, 2012. "Is judicial inefficacy increasing the weight of the house property market in Spain? Evidence at the local level," SERIEs: Journal of the Spanish Economic Association, Springer;Spanish Economic Association, vol. 3(3), pages 339-365, September.

    More about this item

    Keywords

    valor deseado de vivienda; restricciones financieras; régimen de tenencia.;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand

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