000131416 001__ 131416
000131416 005__ 20241125101155.0
000131416 0247_ $$2doi$$a10.1057/s41599-023-02354-x
000131416 0248_ $$2sideral$$a136837
000131416 037__ $$aART-2023-136837
000131416 041__ $$aeng
000131416 100__ $$0(orcid)0000-0002-2023-5726$$aGonzález-Val, Rafael$$uUniversidad de Zaragoza
000131416 245__ $$aDid the 2012 Spanish law reform to protect mortgage debtors modify banks’ lending behavior?
000131416 260__ $$c2023
000131416 5060_ $$aAccess copy available to the general public$$fUnrestricted
000131416 5203_ $$aRoyal Decree-Law 6/2012 introduced a new Code of Good Practice for Spanish banks and financial institutions with the aim of protecting low-income debtors. In this study, we examine the impact of this legal reform on the lending behavior of banks. We analyze quarterly data spanning from 2005 to 2020(Q1) across the 17 Spanish NUTS II regions. Our analysis employs panel data models incorporating regional, year, and quarter fixed effects, as well as linear and quadratic region-specific time trends. We also include other relevant control variables at the regional level, such as house prices, inflation rates, and unemployment rates. Our findings indicate that the Code had a significant and negative effect on the number of new mortgage loans, the average interest rate, and the average ratio between monthly mortgage payments and wage costs.
000131416 536__ $$9info:eu-repo/grantAgreement/ES/DGA/S39-23R$$9info:eu-repo/grantAgreement/ES/MICINN/PID2020-114354RA-I00
000131416 540__ $$9info:eu-repo/semantics/openAccess$$aby$$uhttp://creativecommons.org/licenses/by/3.0/es/
000131416 590__ $$a3.7$$b2023
000131416 592__ $$a0.871$$b2023
000131416 591__ $$aSOCIAL SCIENCES, INTERDISCIPLINARY$$b13 / 267 = 0.049$$c2023$$dQ1$$eT1
000131416 593__ $$aArts and Humanities (miscellaneous)$$c2023$$dQ1
000131416 593__ $$aEconomics, Econometrics and Finance (miscellaneous)$$c2023$$dQ1
000131416 593__ $$aSocial Sciences (miscellaneous)$$c2023$$dQ1
000131416 593__ $$aPsychology (miscellaneous)$$c2023$$dQ1
000131416 593__ $$aBusiness, Management and Accounting (miscellaneous)$$c2023$$dQ1
000131416 594__ $$a3.8$$b2023
000131416 655_4 $$ainfo:eu-repo/semantics/article$$vinfo:eu-repo/semantics/publishedVersion
000131416 7102_ $$14000$$2415$$aUniversidad de Zaragoza$$bDpto. Análisis Económico$$cÁrea Fund. Análisis Económico
000131416 773__ $$g10, 1 (2023), 822 [10 pp.]$$pHumanit. soc. sci. commun.$$tHumanities & social sciences communications$$x2662-9992
000131416 8564_ $$s584981$$uhttps://zaguan.unizar.es/record/131416/files/texto_completo.pdf$$yVersión publicada
000131416 8564_ $$s1119875$$uhttps://zaguan.unizar.es/record/131416/files/texto_completo.jpg?subformat=icon$$xicon$$yVersión publicada
000131416 909CO $$ooai:zaguan.unizar.es:131416$$particulos$$pdriver
000131416 951__ $$a2024-11-22-12:09:08
000131416 980__ $$aARTICLE