National differences affect eurozone house loans – ECB paper


Differences in eurozone countries’ financial sectors are important in determining whether banks advance fixed-rate or adjustable housing loans, a working paper from the European Central Bank finds.

In Fixed rate versus adjustable rate mortgages: evidence from euro area banks, Ugo Albertazzi, Fulvia Fringuellotti and Steven Ongena study data from 103 banks belonging to 73 different banking groups in 12 eurozone countries.

Bank funding, the authors note, occurs mostly at the group level. The

Only users who have a paid subscription or are part of a corporate subscription are able to print or copy content.

To access these options, along with all other subscription benefits, please contact [email protected] or view our subscription options here:

You are currently unable to copy this content. Please contact [email protected] to find out more.

To continue reading...

You need to sign in to use this feature. If you don’t have a Central Banking account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here: