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Impacts of loan-to-value ceilings in the Brazilian mortgage loans
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Impacts of loan-to-value ceilings in the Brazilian mortgage loans
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Journal Article
Impacts of loan-to-value ceilings in the Brazilian mortgage loans
2020
Overview
This study aims to assess the impact of loan-to-value ceiling applied by Resolution BCB No. 4,271 on the mortgage market in September 2013. Based on public aggregated data, we assessed the effect of the regulatory change on the loan-to-value and on quality of the portfolio using impact evaluation techniques that aim to estimate true causal effects. Results suggest the intervention did not reduce total mortgage loans. Interrupted time series and differences-in-differences estimates show statistically significant effects on the quality of the portfolio measured by the proportion of poorly rated credits.
Publisher
Faculdade de Economia, Administração e Contabilidade de Ribeirão Preto-USP, Dept de Economia,Universidade de São Paulo
