Available at: http://www.corelogic.com/about-us/news/asset_upload_file75_12141.pdf Cox, P., E. Parrado, and J. Ruiz-Tagle, (2006). “The Distribution of Assets, Debt and Income among Chilean Householdsâ€, Central Bank of Chile Working Papers no. 388.
- Bank of Canada, (2011). Financial System Review, June 2011.
Paper not yet in RePEc: Add citation now
- Bowie-Cairns, H. and Pryce, G., (2005) “Trends in mortgage borrowers repayment difficultiesâ€, Housing Finance, July, 1-12.
Paper not yet in RePEc: Add citation now
Brown, M., A. Haughwout, D. Lee, and W. Klaauw, (2010). “The Financial Crisis at the Kitchen Table: Trends in Household Debt and Creditâ€, Federal Reserve Bank of New York Staff Reports no. 480.
- Bucks, B.K., A.B. Kennickell, T.L. Mach, and K.B. Moore, (2009). “Changes in U.S. Family Finances from 2004 to 2007: Evidence from the Survey of Consumer Financesâ€, Federal Reserve Bulletin, February 2009, A1-A56.
Paper not yet in RePEc: Add citation now
- Calomiris, C.W., D. Klingebiel, and L. Laven, (2005). “Financial Crisis Policies and Resolution Mechanism: A Taxonomy from Cross-Country Experienceâ€, in P.
Paper not yet in RePEc: Add citation now
- Central Bank of Iceland, (2008). Financial Stability 2008.
Paper not yet in RePEc: Add citation now
- Central Bank of Iceland, (2009). Financial Stability 2009.
Paper not yet in RePEc: Add citation now
- Central Bank of Iceland, (2010a). Financial Stability 2010/1.
Paper not yet in RePEc: Add citation now
- Central Bank of Iceland, (2010b). Financial Stability 2010/2.
Paper not yet in RePEc: Add citation now
Claessens, S., D. Klingebiel, and L. Laeven, (2001). “Financial Restructuring in Banking and Corporate Sector Crises: What Policies to Pursue?â€, NBER Working Papers Series no.
- Danmarks Nationalbank, (2007). Finansiel Stabilitet 2007.
Paper not yet in RePEc: Add citation now
- Danske Bank, (2006). “Iceland: Geysir crisisâ€, Research 21 March 2006.
Paper not yet in RePEc: Add citation now
Debelle, G., (2004). “Macroeconomic implications of rising household debtâ€, BIS Working Papers no. 153.
- Debt and deleveraging: Uneven progress on the path to growth, McKinsey Global Institute, January 2012.
Paper not yet in RePEc: Add citation now
Del-Rio, A. and G. Young, (2005). “The determinants of unsecured borrowing: evidence from the British Household Panel Surveyâ€, Bank of England Working Paper no. 263.
Deng, Y., J. Quigley, and R. van Order, (2000). “Mortgage Terminations, Heterogeneity and the Exercise of Mortgage Optionâ€, Econometrica, 68 (2), 275-307.
- DeVaney, S.A., (1994). “The Usefulness of Financial Ratios as Predictors of Household Insolvency: Two Perspectivesâ€, Financial Counselling and Planning, 5, 5-26.
Paper not yet in RePEc: Add citation now
- Drees, B. and C. PazarbaÅŸioÄŸlu, (1998). “The Nordic Banking Crisis: Pitfalls in Financial Liberalizationâ€, IMF Occasional Paper no. 161.
Paper not yet in RePEc: Add citation now
- ElÃasson, L. and T. Pétursson, (2009). “The residential housing market in Iceland: Analysing the effects of the recent mortgage market restructuringâ€, Housing Studies, 24, 25-45.
Paper not yet in RePEc: Add citation now
- Ellis, L., (2008). “How many in negative equity? The role of mortgage contract characteristicsâ€, BIS Quarterly Review, December 2008, 81-93.
Paper not yet in RePEc: Add citation now
- Euro Area and the Financial Crisis, Cambridge University Press, 23-58. Registers Iceland, (2009). Official Land Registry value in 2010 (Fasteignamat 2010), Registers Iceland, July 2009 (in Icelandic).
Paper not yet in RePEc: Add citation now
European Central Bank (ECB), (2009). “Survey data on household finance and consumption: Research summary and policy useâ€, ECB Occasional Paper Series No. 100.
Faruqui, U., (2008). “Indebtedness and the Household Financial Health: An Examination of the Canadian Debt Service Ratio Distributionâ€, Bank of Canada Working Paper 200846.
- Fitch ratings, (2006). “Iceland – Macro Imbalances Trigger Negative Outlookâ€, 22 February 2006.
Paper not yet in RePEc: Add citation now
Foote, C.L., J. Fuhrer, E. Mauskopf, and P. Willen, (2009). “A Proposal to help Distressed Homeowners: A Government Payment-Sharing Planâ€, memo.
Foote, C.L., K. Gerardi, and P.S. Willen, (2008). “Negative Equity and Foreclosure: Theory and Evidenceâ€, Federal Reserve Bank of Boston Public Policy Discussion Papers no.
Foote, C.L., K. Gerardi, L. Goette, and P. Willen, (2009). “Reducing Foreclosures: No Easy Answersâ€, Federal Reserve Bank of Atlanta Working Paper 2009-15.
Gerardi, K., A. Lehnert, S.M. Sherlund, and P. Willen, (2008). “Making Sense of the Subprime Crisisâ€, Brooking Papers on Economic Activity, Fall, 69-145.
Girouard, N., M. Kennedy and C. André, (2006). “Has the Rise in Debt Made Households More Vulnerable?â€, OECD Economics Department Working Paper no. 535.
- Gittelsohn, J., (2011). “U.S. ‘Underwater’ Homeowners Increase to 28 Percent, Zillow Saysâ€, Bloomberg 9 May 2011. Available at http://www.bloomberg.com/news/2011-05-09/us -underwater-homeowners-increase-to-28-percent-zillow-says.html Gómez-Salvador, R., A. Lojschova and T. Westermann, (2011). “Households sector borrowing in the Euro Area: A micro data perspectiveâ€, Central Bank of Luxembourg Working Paper no. 58.
Paper not yet in RePEc: Add citation now
Greninger, S.A., V.L. Hampton, K.A. Kitt, and J.A. Achacoso, (1996). “Ratios and Benchmarks for Measuring the Financial Well-Being of Families and Individualsâ€, Financial Services Review, 5 (1), 57-70.
- Gudmundsson, G., (2005). “Risks in higher loan-to-value ratios of housingâ€, Central Bank of Iceland Monetary Bulletin 2005/2, 57-62.
Paper not yet in RePEc: Add citation now
Hagan, S., E. Kalter, and R. Weeks-Brown, (2003). “Corporate Debt Restructuring in the Wake of Economic Crisisâ€, in C. Collyns and G.R. Kincaid (eds.), Managing Financial Crises: Recent Experience and Lessons for Latin America, IMF Occasional Paper no.
- Haggard, S., (2001). “The Politics of Corporate and Financial Restructuring: A Comparison of Korea, Thailand and, Indonesia“, in S. Claessens, S. Djankov and A. Mody (eds.), Resolution of Financial Distress: An International Perspective on the Design of Bankruptcy Laws, Washington D.C.:World Bank Institute Development Studies, 261303.
Paper not yet in RePEc: Add citation now
- Haughwout, A.F. and E. Okah, (2009). “Below the Line: Estimates of Negative Equity among Nonprime Mortgage Borrowersâ€, Federal Reserve Bank of New York Economic Policy Review, July 2009, 31-43.
Paper not yet in RePEc: Add citation now
- Hellebrandt, T. and S. Kawar, (2009). “The economics and estimation of negative equityâ€, Bank of England Quarterly Bulletin 2009 Q2, 110-121.
Paper not yet in RePEc: Add citation now
Herrala, R. And K. Kauko, (2007). “Household loan loss risk in Finland – estimations and simulations with micro dataâ€, Bank of Finland Research Discussion Papers 5/2007.
- Honkapohja, S., (2009). “The 1990’s financial crises in Nordic countriesâ€, Bank of Finland Research Discussion Papers no. 5-2009.
Paper not yet in RePEc: Add citation now
- Honohan and L. Laeven (eds.), Systemic Financial Crises: Containment and Resolution, New York: Cambridge University Press, 25-75. Cecchetti, S.G., M.S. Mohanty, and F. Zampolli, (2011). “The real effects of debtâ€, BIS Working Papers no. 352.
Paper not yet in RePEc: Add citation now
- Icelandic Data Protection Authority (Persónuvernd), (2009). “Decision to permit a study on household position using general personal data†(kvörðun um heimild til vinnslu almennra persónuupplýsinga à þágu könnunar á stöðu heimilanna), three rulings dated 9 February 2009 (no. 2009010072)), 7 April 2009 (no. 2009030332), 20 May 2009.
Paper not yet in RePEc: Add citation now
- Icelandic Financial Services Association, (2012). “Household loan principal reductions 196.4 b.kr. at year-end 2011â€, 30 March 2012, available (in Icelandic) at http://www.sff.is/frettir/frettir/nr/887.
Paper not yet in RePEc: Add citation now
- IMF, (2012a). “Iceland: 2012 Article IV Consultation and First Post-Program Monitoring Discussionâ€, IMF Country Report No. 12/89, April 2012.
Paper not yet in RePEc: Add citation now
- IMF, (2012b). “Chapter 3: Dealing with Household Debtâ€, World Economic Outlook, April 2012.
Paper not yet in RePEc: Add citation now
- International Monetary Fund (IMF), (2003). “Managing Systemic Banking Crisesâ€, by a Staff Team Led by David S. Hoelscher and Marc Quintyn, IMF Occasional Paper No. 224, Washington D.C.: International Monetary Fund.
Paper not yet in RePEc: Add citation now
- Johansson, M.W. and M. Persson, (2006). “Swedish households’ indebtedness and ability to pay – a household level studyâ€, Sveriges Riksbank Economic Review no. 3, 24-41.
Paper not yet in RePEc: Add citation now
Kelly, R., (2011). “The Good, The Bad and The Impaired: A Credit Risk Model of the Irish Mortgage Marketâ€, Central Bank of Ireland Research Technical Paper No. 13/RT/11.
Kennedy, G. and T.M. Calder, (2011). “The Irish Mortgage Market: Stylised facts, Negative Equity and Arrearsâ€, Central Bank of Ireland Research Technical Paper No.
Kida, M., (2009). “Financial vulnerability of mortgage-indebted households in New Zealand – evidence from the Household Economic Surveyâ€, Reserve Bank of New Zealand Bulletin, 72 (1), 5-12.
- Lytton, R.H., E.T. Garman, and N.M. Porter, (1991). “How to use financial ratios when advising clientsâ€, Financial Counselling and Planning, 2, 3-23.
Paper not yet in RePEc: Add citation now
- Magyar Nemzeti Bank, (2007). Report on Financial Stability, April 2007.
Paper not yet in RePEc: Add citation now
May, O. and M. Tudola, (2005). “When is mortgage indebtedness a financial burden to British households? A dynamic probit approachâ€, Bank of England Working Paper no.
- May, O., M. Tudela and G. Young, (2004). “British household indebtedness and financial stress: a household-level pictureâ€, Bank of England Quarterly Bulletin, Winter 2004, 414-428.
Paper not yet in RePEc: Add citation now
McGuinness, A., (2011). “The Distribution of Property Level Mortgage Arrearsâ€, Central Bank of Ireland Economic Letter Series, Vol. 2011, no. 6.
- Mian, A.R. and A. Sufi, (2009). “House prices, home equity-based borrowing, and the U.S.
Paper not yet in RePEc: Add citation now
- Ministry of Business Affairs, (2009). Financial literacy in Iceland (in Icelandic), February 2009.
Paper not yet in RePEc: Add citation now
- Mishkin, F.S. and T.T. Herbertsson, (2006). Financial Stability in Iceland, Reykjavik: Iceland Chamber of Commerce, May 2006.
Paper not yet in RePEc: Add citation now
- Moody’s Investors Service, (2006). “Iceland’s Solvency and Liquidity are Not at Riskâ€, Special Comment, 4 April 2006.
Paper not yet in RePEc: Add citation now
- Norges Bank, (2004). “The Norwegian Banking Crisisâ€, in T.G. Moe, J.A. Solheim, and B.
Paper not yet in RePEc: Add citation now
Santos, M.S., (2012). “How Home Loan Modification through the 60/40 Plan Can Save the Housing Sectorâ€, Federal Reserve Bank of St. Louis Review, March/April 2012, 103116.
- Special Investigation Commisson, (2010). Report of the Special Investigation Commission on the processes leading to the collapse of the three main banks in Iceland, Reykjavik: Special Investigation Commission. An English Summary is available at http://sic.althingi.is/ Statistics Iceland, (2010). “Household finances 2004-2009â€, Wages, income and labour market 2010:9, 21 May 2010.
Paper not yet in RePEc: Add citation now
- Statistics Iceland, (2011). “Household finances 2011â€, Wages, income and labour market 2011:10, 28 October 2011.
Paper not yet in RePEc: Add citation now
Stone, M., (2000a). “Large-Scale Post-Crisis Corporate Sector Restructuringâ€, IMF Policy Discussion Paper No. PDP/00/7.
Stone, M., (2000b). “The Corporate Sector Dynamics of Systemic Financial Crisesâ€, IMF Working Paper No. WP/00/114.
- Sturluson, J.T., G.B. Eydal, and A.J. Ólafsson, (2011). Icelandic Budget Standards (in Icelandic), Ministry of Welfare, February 2011.
Paper not yet in RePEc: Add citation now
- Sveriges Riksbank, (2004). Financial Stability Report 1/2004.
Paper not yet in RePEc: Add citation now
Thompson, London: The Harvill Press. Lydon, R. and Y. McCarthy, (2011). “What Lies Beneath? Understanding Recent Trends in Irish Mortgage Arrearsâ€, Central Bank of Ireland Research Technical Paper No.
Tiongson, E.R., N. Sugawara, V. Sulla, A. Taylor, A.I. Guerguieva, V. Levin, and K. Subbarao, (2010). The Crisis Hits Home: Stress-Testing Households in Europe and Central Asia, Washington D.C: World Bank.
- Vale (eds.), Norges Bank Occasional Papers, No. 33. Norges Bank, (2011). Financial Stability 1/11, May 2011.
Paper not yet in RePEc: Add citation now
- Vignisdóttir, K.. and T.T. Ólafsson, (2009). “The Situation of Icelandic Households Following the Banks’ Collapse: Further Results of an Analysis by the Central Bank of Icelandâ€, a presentation given at a Central Bank of Iceland Symposium 11 June 2009.
Paper not yet in RePEc: Add citation now
- Vignisdóttir, K.. and T.T. Ólafsson, (2010). “How has households’ position changed in the recent term and what can measures to support households achieve?â€, a presentation given at a Central Bank of Iceland Symposium 12 April 2010.
Paper not yet in RePEc: Add citation now
- Working Group of Experts, (2010). “A report by a Working Group of Experts appointed by the Prime Minister for an assessment of household debt problemsâ€, November, available at http://eng.forsaetisraduneyti.is/media/English/Report-householdmortgage -dept.pdf.
Paper not yet in RePEc: Add citation now