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Homeowners have easier and cheaper access to business credit
PublicationBanks often demand collateral for business loans. Apart from business assets, for many small entrepreneurs their own home is the most important security they can offer. The interaction between the housing market and entrepreneurial credit can therefore amplify the consequences of an economic crisis. Because of declining collateral values, the probability of obtaining credit could be lower, making it more difficult to finance entrepreneurial activities. →
A stress test of Dutch SMEs
PublicationThis background document to CPB’s Financial Stability Report provides policymakers with an initial assessment of the effects of the corona crisis on the liquidity position of Dutch SMEs and its impact on their solvency. It provides information by means of a stress test. Based on 2018 administrative data on Dutch small and medium-sized enterprises (SMEs), we simulated the decrease in turnover for individual companies, in various sectors. On average, the pre-corona financial starting position of Dutch SMEs was good; many companies were both liquid and solvent. We subsequently looked at the impact of the corona shocks on the liquidity position and analysed the liquidity needs. →
How do the Dutch Finance their Own House? – Descriptive Evidence from Administrative Data
PublicationWe investigate the major financing components which are used to purchase a house in the Netherlands. This is important to shed more light on the effects of changing lending norms. We look at the full universe of housing transactions in the Netherlands by making use of administrative data from Statistics Netherlands (CBS) for the period 2006-2014. →
Oververhitting op de Nederlandse huizenmarkt?
Publication (in Dutch only)In dit CPB Achtergronddocument bij de Risicorapportage financiële markten 2018 gaan we nader in op recente ontwikkelingen op de Nederlandse woningmarkt. Speciale aandacht gaat uit naar de factoren die huizenprijzen op de korte en lange termijn verklaren en naar de vraag of oververhitting en bubbels wel vooraf te meten en te bepalen zijn. →
Authors
- Benedikt Vogt (16)
- Sander van Veldhuizen (6)
- Beau Soederhuizen (5)
- Karen van der Wiel (5)
- Bart Voogt (3)
- Bert Smid (3)
- Fien van Solinge (3)
- Lu Zhang (3)
- Sander Lammers (3)
- Adam Elbourne (2)
- Douwe Kingma (2)
- Kan Ji (2)
- Michiel Bijlsma (2)
- Andrei Dubovik (1)
- Bert Kramer (1)
- Bram Hendriks (1)
- Gerdien Meijerink (1)
- Machiel van Dijk (1)
- Nancy van Beers (1)
- Natasha Kalara (1)
- Remco Mocking (1)
- Rutger Teulings (1)
- Stefan Groot (1)
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