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The impact of the interest rate spike on household finances: analyzing income, asset holdings, mortgage contract and liquidity constraints on saving
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This thesis explores the impacts of rising interest rates on household finances through group and
individual analyses. The group study highlights the macroeconomic context of interest rate spikes,
their effects on borrowing, savings, and financial stability across households. It examines how these
changes influence housing markets, mortgage costs, and consumer behavior in an environment of
economic uncertainty.
Tenure Choice and Housing Cost Burden in the UK: This analysis highlights how renters face
higher financial strain compared to homeowners, during periods of rising housing costs.
Household Factors Influencing Mortgage Equity Withdrawal in the Netherlands: This study reveals
that older homeowners and households facing liquidity constraints are more likely to use mortgage
equity withdrawal as a financial strategy.
Preferences for Fixed vs. Variable Interest Rates in the UK: The analysis identifies a clear
preference for fixed-rate mortgages during rising interest rates, driven by economic uncertainty
and demographic factors.
Impact of Income, Assets, and Liquidity Constraints on Savings: This research uncovers how
income levels, mortgage contracts, and liquidity constraints shape savings behavior, particularly
among households facing financial pressure.
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Housing Mortgages Interest rates Savings