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The Consequences of Regulating Mortgage Lending Conditions

Rédigé par : Stéphane Frachot, Alisée Koch

In response to rising mortgage debt for households, regulation of mortgage lending conditions for households was introduced in France by the Higher Council for Financial Stability. An assessment has shown that this measure, which became binding in 1 January 2022, has reduced the average DSTI ratio while increasing the average mortgage maturity. However, the effect on property prices has been limit... Lire la suite

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Italy and its Demographic Challenge

Rédigé par : Pierre Farineau

Italy could see a 20% decline in its population by 2070 as a result of its severe natural decrease. A dwindling and ageing population is hampering GDP growth and putting public finances and public debt sustainability under pressure. Measures – whose outcomes are as yet unclear – have been taken to mitigate the impact of unfavourable demographic trends, while the changes to the pension system for 2... Lire la suite