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Getting a Helping Hand: Parental Transfers and First-Time Homebuyers

Roche, Dr. Maurice J. and Duffy, Dr. David (2007) Getting a Helping Hand: Parental Transfers and First-Time Homebuyers. .

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Abstract

A model that allows for inter vivos intergenerational transfers in a booming housing market is developed. The model is used to explain how transfers effect the first-time homebuyer’s consumption and housing decisions by alleviating borrowing constraints. The general implications of the model are tested using data from the leading Irish mortgage provider. We find that private transfers are targeted towards homebuyers that are liquidity constrained.

Additional Information:Classification: R21
Keywords:Transfers, Housing, Borrowing Constraint
Subjects:Social Sciences > Economics
ID Code:533
Deposited By:Ms Sandra Doherty
Deposited On:29 May 2007
Refereed:No
URL:http://www.may.ie/academic/economics/, http://ideas.repec.org/s/may/mayecw.html

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