Unlocking mortgage lock-in: Evidence from a spatial housing ladder model

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Locked In: Rate Hikes, Housing Markets, and Mobility

A Aladangady, J Krimmel, TC Scharlemann - 2024 - papers.ssrn.com
Rising interest rates in 2022 introduced large moving costs for homeowners with low, fixed-
rate mortgages. Using a novel dataset linking mortgage loans, consumer credit profiles, and …
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