Publicação
The impact of the interest rate spike on houseold finances: houseold factor influencing the mortgage equity withdrawal decisions in the Netherlands
| datacite.subject.fos | Ciências Sociais::Economia e Gestão | |
| dc.contributor.advisor | Gianinazzi, Virginia | |
| dc.contributor.author | Aparício, Maria Rita Almeida | |
| dc.date.accessioned | 2026-03-10T10:52:18Z | |
| dc.date.available | 2026-03-10T10:52:18Z | |
| dc.date.issued | 2025-01-13 | |
| dc.date.submitted | 2024-12-17 | |
| dc.description.abstract | The household portfolio comprises two crucial components: the largest liability, the mortgage, and the most significant equity, which is tied to the value of the house. Being able to manage both effectively is important for the household financial sustainability. This study attempts to understand the key factors that lead homeowners to withdraw equity or not from their houses in high-interest rate environment such as the period post COVID pandemic. The study provides evidence on how increasing interest rates and financial uncertainty reduce equity extraction, while greater household income increases it. | eng |
| dc.identifier.tid | 204131626 | |
| dc.identifier.uri | http://hdl.handle.net/10362/201184 | |
| dc.language.iso | eng | |
| dc.rights.uri | http://creativecommons.org/licenses/by/4.0/ | |
| dc.subject | Home equity withdrawal | |
| dc.subject | mortgage equity withdrawal | |
| dc.subject | Borrower constraints | |
| dc.subject | Borrower behavior | |
| dc.subject | Loan refinance | |
| dc.title | The impact of the interest rate spike on houseold finances: houseold factor influencing the mortgage equity withdrawal decisions in the Netherlands | eng |
| dc.type | master thesis | |
| dspace.entity.type | Publication | |
| thesis.degree.name | A Work Project, presented as part of the requirements for the Award of a Master’s degree in Finance from the Nova School of Business and Economics |