RaboResearch - Economic Research

Economic Report

Coalition agreement: the housing market

First we had the Spring Agreement, and now we have a coalition agreement. In addition to decisions about all kinds of other areas, measures have been taken for the further reform of the housing market.

Economic Report

A slice of Danish: the Danish mortgage model

Although the traditional Danish mortgage model offers interesting points for consideration, it would be undesirable to copy it directly. It is more important to explore ways to induce institutional investors to invest in the domestic mortgage market.

Economic Report

Overview of options for the housing market

This document maps out the effects of the respective election platforms for the economy as published by the Netherlands Bureau for Economic Policy Analysis. We conclude with our view of the likely and most desirable outcome of the coalition talks.

Economic Report

A realistic discount rate

Dutch Minister Kamp of Social Affairs recently announced plans to artificially increase the discount rate used by pension funds to value their liabilities. This Special Report looks at the desirability of the proposed changes.

Economic Report

Is the credit tap on or off?

Consumers and businesses often need credit for large expenditures. Small- and medium-sized enterprises (SME) are highly dependent on banks for financing and continuity in lending is crucially important to them.

Economic Report

The Netherlands: deservedly core

In this study we argue that although the budgetary outlook and the current political and economic situation in the Netherlands raise some eyebrows abroad, the fundamentals still point out that the Netherlands belongs to the core of the euro area.

Economic Report

Dutch mortgage market: a liability?

Dutch gross mortgage debt totals 106% of GDP, which is higher than any other EU country. While there are certain risks associated with high levels of mortgage financing, the risks are not as high as some suggest.