Fig. 1: Average financial terms in the mortgage loan agreements before and after the law reform. | Humanities and Social Sciences Communications

Fig. 1: Average financial terms in the mortgage loan agreements before and after the law reform.

From: Did the 2012 Spanish law reform to protect mortgage debtors modify banks’ lending behavior?

Fig. 1: Average financial terms in the mortgage loan agreements before and after the law reform.The alternative text for this image may have been generated using AI.

Notes: Unconditional non-parametric estimates of the evolution of these variables over time: interest rate, loan amount, monthly payment, and monthly payment/wage cost. Computed from regional data (NUTS II regions), quarterly data from 2005 to 2020(Q1). The gray area is the 95% confidence interval. The vertical line indicates the date of the law reform (2012(Q1)). Data source: Statistics from the Spanish Land Registries (Registro de la propiedad).

Back to article page