{"id":"https://openalex.org/W2997965258","doi":"https://doi.org/10.1016/j.jhe.2023.101947","title":"Credit supply, homeownership and mortgage debt","display_name":"Credit supply, homeownership and mortgage debt","publication_year":2023,"publication_date":"2023-06-01","ids":{"openalex":"https://openalex.org/W2997965258","doi":"https://doi.org/10.1016/j.jhe.2023.101947","mag":"2997965258"},"language":"en","primary_location":{"id":"doi:10.1016/j.jhe.2023.101947","doi":"https://doi.org/10.1016/j.jhe.2023.101947","is_oa":false,"landing_page_url":"https://doi.org/10.1016/j.jhe.2023.101947","pdf_url":null,"source":{"id":"https://openalex.org/S57862637","display_name":"Journal of Housing Economics","issn_l":"1051-1377","issn":["1051-1377","1096-0791"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Housing Economics","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://openaccess.city.ac.uk/id/eprint/23270/1/Dept_Econ_WP1917.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5002518514","display_name":"Ahmet Ali Ta\u015fk\u0131n","orcid":"https://orcid.org/0000-0002-2918-5788","observed_orcids":["https://orcid.org/0000-0002-2918-5788"]},"institutions":[{"id":"https://openalex.org/I181369854","display_name":"Friedrich-Alexander-Universit\u00e4t Erlangen-N\u00fcrnberg","ror":"https://ror.org/00f7hpc57","country_code":"DE","type":"education","lineage":["https://openalex.org/I181369854"]},{"id":"https://openalex.org/I2607685603","display_name":"Institut f\u00fcr Arbeitsmarkt und Berufsforschung","ror":"https://ror.org/02qcqwf93","country_code":"DE","type":"facility","lineage":["https://openalex.org/I2607685603"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Ahmet Ali Ta\u015fk\u0131n","raw_affiliation_strings":["Institute for Employment Research (IAB), Germany","University of Erlangen\u2013Nuremberg, Germany"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Institute for Employment Research (IAB), Germany","institution_ids":["https://openalex.org/I2607685603"]},{"raw_affiliation_string":"University of Erlangen\u2013Nuremberg, Germany","institution_ids":["https://openalex.org/I181369854"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5068209344","display_name":"F\u0131rat Yaman","orcid":"https://orcid.org/0000-0002-5752-6922","observed_orcids":["https://orcid.org/0000-0002-5752-6922"]},"institutions":[{"id":"https://openalex.org/I124357947","display_name":"University of London","ror":"https://ror.org/04cw6st05","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947"]},{"id":"https://openalex.org/I180825142","display_name":"City, University of London","ror":"https://ror.org/04489at23","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I180825142","https://openalex.org/I4401726869"]},{"id":"https://openalex.org/I190778170","display_name":"Ofcom","ror":"https://ror.org/03pzspq13","country_code":"GB","type":"other","lineage":["https://openalex.org/I190778170"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"F\u0131rat Yaman","raw_affiliation_strings":["Department of Economics, City, University of London, United Kingdom","Office of Communications (Ofcom), United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics, City, University of London, United Kingdom","institution_ids":["https://openalex.org/I124357947","https://openalex.org/I180825142"]},{"raw_affiliation_string":"Office of Communications (Ofcom), United Kingdom","institution_ids":["https://openalex.org/I190778170"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5068209344"],"corresponding_institution_ids":["https://openalex.org/I124357947","https://openalex.org/I180825142","https://openalex.org/I190778170"],"apc_list":{"value":3230,"currency":"USD","value_usd":3230},"apc_paid":null,"fwci":0.6953,"has_fulltext":true,"cited_by_count":4,"citation_normalized_percentile":{"value":0.73019295,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":88,"max":95},"biblio":{"volume":"61","issue":null,"first_page":"101947","last_page":"101947"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.989300012588501,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10632","display_name":"Housing Market and Economics","score":0.989300012588501,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.00419999985024333,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.0031999999191612005,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-supply","display_name":"credit supply","score":0.9900000095367432},{"id":"https://openalex.org/keywords/homeownership","display_name":"homeownership","score":0.9539999961853027},{"id":"https://openalex.org/keywords/mortgage-debt","display_name":"mortgage debt","score":0.9879999756813049},{"id":"https://openalex.org/keywords/banking-deregulation","display_name":"banking deregulation","score":0.9010000228881836},{"id":"https://openalex.org/keywords/state-banking-regulation","display_name":"state banking regulation","score":0.6959999799728394},{"id":"https://openalex.org/keywords/home-equity","display_name":"home equity","score":0.8809999823570251},{"id":"https://openalex.org/keywords/household-leverage","display_name":"household leverage","score":0.9879999756813049},{"id":"https://openalex.org/keywords/debt-to-income-ratio","display_name":"debt-to-income ratio","score":0.8939999938011169},{"id":"https://openalex.org/keywords/mortgage","display_name":"mortgage lending","score":0.3499999940395355},{"id":"https://openalex.org/keywords/metropolitan-areas","display_name":"metropolitan areas","score":0.3310000002384186}],"concepts":[{"id":"https://openalex.org/C2780850388","wikidata":"https://www.wikidata.org/wiki/Q5888995","display_name":"Home equity","level":2,"score":0.7661609053611755},{"id":"https://openalex.org/C2776562857","wikidata":"https://www.wikidata.org/wiki/Q17164798","display_name":"Household debt","level":3,"score":0.7366752028465271},{"id":"https://openalex.org/C153083717","wikidata":"https://www.wikidata.org/wiki/Q6535263","display_name":"Leverage (statistics)","level":2,"score":0.6882132887840271},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.6486784815788269},{"id":"https://openalex.org/C43039823","wikidata":"https://www.wikidata.org/wiki/Q6914671","display_name":"Mortgage underwriting","level":5,"score":0.5204277634620667},{"id":"https://openalex.org/C199728807","wikidata":"https://www.wikidata.org/wiki/Q2578557","display_name":"Equity (law)","level":2,"score":0.5073248744010925},{"id":"https://openalex.org/C138893092","wikidata":"https://www.wikidata.org/wiki/Q7489541","display_name":"Shared appreciation mortgage","level":5,"score":0.468166321516037},{"id":"https://openalex.org/C556758197","wikidata":"https://www.wikidata.org/wiki/Q580018","display_name":"Monetary economics","level":1,"score":0.4608006775379181},{"id":"https://openalex.org/C78780426","wikidata":"https://www.wikidata.org/wiki/Q902410","display_name":"Deregulation","level":2,"score":0.45398277044296265},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4288422763347626},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4039452075958252},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.38558048009872437},{"id":"https://openalex.org/C97330809","wikidata":"https://www.wikidata.org/wiki/Q4202997","display_name":"Mortgage insurance","level":4,"score":0.33727067708969116},{"id":"https://openalex.org/C145236788","wikidata":"https://www.wikidata.org/wiki/Q28161","display_name":"Labour economics","level":1,"score":0.334822416305542},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.18420177698135376},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.08062362670898438},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C68799949","wikidata":"https://www.wikidata.org/wiki/Q977871","display_name":"Insurance policy","level":2,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.0},{"id":"https://openalex.org/C22738907","wikidata":"https://www.wikidata.org/wiki/Q3813256","display_name":"Casualty insurance","level":3,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1016/j.jhe.2023.101947","doi":"https://doi.org/10.1016/j.jhe.2023.101947","is_oa":false,"landing_page_url":"https://doi.org/10.1016/j.jhe.2023.101947","pdf_url":null,"source":{"id":"https://openalex.org/S57862637","display_name":"Journal of Housing Economics","issn_l":"1051-1377","issn":["1051-1377","1096-0791"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a","anvur-class-a","anvur-scientific","cwts-core","jufo-1","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310320990","host_organization_name":"Elsevier BV","host_organization_lineage":["https://openalex.org/P4310320990"],"host_organization_lineage_names":["Elsevier BV"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Housing Economics","raw_type":"journal-article"},{"id":"pmh:oai:openaccess.city.ac.uk:23270","doi":null,"is_oa":true,"landing_page_url":"https://openaccess.city.ac.uk/view/creators_id/firat=2Eyaman=2E1.html>","pdf_url":"https://openaccess.city.ac.uk/id/eprint/23270/1/Dept_Econ_WP1917.pdf","source":{"id":"https://openalex.org/S4306401940","display_name":"City Research Online (City University London)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I180825142","host_organization_name":"City, University of London","host_organization_lineage":["https://openalex.org/I180825142"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Monograph"}],"best_oa_location":{"id":"pmh:oai:openaccess.city.ac.uk:23270","doi":null,"is_oa":true,"landing_page_url":"https://openaccess.city.ac.uk/view/creators_id/firat=2Eyaman=2E1.html>","pdf_url":"https://openaccess.city.ac.uk/id/eprint/23270/1/Dept_Econ_WP1917.pdf","source":{"id":"https://openalex.org/S4306401940","display_name":"City Research Online (City University London)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I180825142","host_organization_name":"City, University of London","host_organization_lineage":["https://openalex.org/I180825142"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Monograph"},"sustainable_development_goals":[],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[{"id":"https://openalex.org/F4320319321","display_name":"Institut f\u00fcr Arbeitsmarkt- und Berufsforschung","ror":"https://ror.org/02qcqwf93"},{"id":"https://openalex.org/F4320320873","display_name":"Friedrich-Alexander-Universit\u00e4t Erlangen-N\u00fcrnberg","ror":"https://ror.org/00f7hpc57"}],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2997965258.pdf","grobid_xml":"https://content.openalex.org/works/W2997965258.grobid-xml"},"referenced_works_count":45,"referenced_works":["https://openalex.org/W14748494","https://openalex.org/W1514055828","https://openalex.org/W1558139287","https://openalex.org/W1942652584","https://openalex.org/W1985831616","https://openalex.org/W2075614656","https://openalex.org/W2080007346","https://openalex.org/W2105135640","https://openalex.org/W2106827741","https://openalex.org/W2113297389","https://openalex.org/W2115458436","https://openalex.org/W2133046202","https://openalex.org/W2143915488","https://openalex.org/W2355209677","https://openalex.org/W2414387540","https://openalex.org/W2486319262","https://openalex.org/W2537814215","https://openalex.org/W2745932046","https://openalex.org/W2768378180","https://openalex.org/W2787389451","https://openalex.org/W2888814765","https://openalex.org/W2891456440","https://openalex.org/W2891769754","https://openalex.org/W2899202130","https://openalex.org/W2900175526","https://openalex.org/W2967105414","https://openalex.org/W3021102045","https://openalex.org/W3121859925","https://openalex.org/W3121890145","https://openalex.org/W3122049385","https://openalex.org/W3122159404","https://openalex.org/W3122180081","https://openalex.org/W3122391683","https://openalex.org/W3123248719","https://openalex.org/W3123314201","https://openalex.org/W3123436323","https://openalex.org/W3123831831","https://openalex.org/W3123884917","https://openalex.org/W3124520465","https://openalex.org/W3125296888","https://openalex.org/W3125971811","https://openalex.org/W3146314936","https://openalex.org/W3164557469","https://openalex.org/W6628812446","https://openalex.org/W6683277875"],"related_works":["https://openalex.org/W3125036999","https://openalex.org/W2136772056","https://openalex.org/W3128103712","https://openalex.org/W3091167726","https://openalex.org/W658777797","https://openalex.org/W2328470155","https://openalex.org/W4281763781","https://openalex.org/W3090462720","https://openalex.org/W2275720356","https://openalex.org/W2051145365"],"abstract_inverted_index":null,"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":1}],"updated_date":"2026-11-10T11:39:43.021295","created_date":"2020-01-10T00:00:00"}