Daniel Ringo
Biographic Data
| ID | 5852595 |
|---|---|
| NAME | Daniel Ringo |
| GIVEN NAMES | Daniel |
| FAMILY NAME | Ringo |
| SIGNATURE | RINGO D |
| AFFILIATIONS | Federal Reserve Board of Governors |
| ORCID | 0000-0001-6203-9961 |
| VERIFIED | Yes |
| TOTAL WORKS | 4 |
| TOTAL CITATIONS | 0 |
| AUTHOR COUNT | 4 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2020 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 0 |
Housing market congestion
Monetary Policy and Home Buying Inequality
Does monetary policy influence who becomes a homeowner? Lower-income home buyers may be more sensitive to interest rates, at least in part because they more frequently come up against binding payment-to-income ratio constraints in credit decisions. Exploiting the timing of high-frequency observations of individual mortgage rate locks around monetary policy shocks, I find that a 1 percentage point policy-induced increase in mortgage rates lowers t…
Volatility in Home Sales and Prices
Student Loans and Homeownership
We estimate the effect of student loan debt on subsequent homeownership in a uniquely constructed administrative dataset for a nationally representative cohort. We instrument for the amount of individual student debt using changes to the in-state tuition rate at public 4-year colleges in the student's home state. A $1, 000 increase in student loan debt lowers the homeownership rate by about 1.5 percentage points for public 4-year college-goers du…
No prominent works on this page.
Student Loans and Homeownership
We estimate the effect of student loan debt on subsequent homeownership in a uniquely constructed administrative dataset for a nationally representative cohort. We instrument for the amount of individual student debt using changes to the in-state tuition rate at public 4-year colleges in the student's home state. A $1, 000 increase in student loan debt lowers the homeownership rate by about 1.5 percentage points for public 4-year college-goers du…
Volatility in Home Sales and Prices
Housing market congestion
Monetary Policy and Home Buying Inequality
Does monetary policy influence who becomes a homeowner? Lower-income home buyers may be more sensitive to interest rates, at least in part because they more frequently come up against binding payment-to-income ratio constraints in credit decisions. Exploiting the timing of high-frequency observations of individual mortgage rate locks around monetary policy shocks, I find that a 1 percentage point policy-induced increase in mortgage rates lowers t…
Economics (4 works) · Housing Market and Economics (3 works) · Business (2 works) · Demographic economics (2 works) · Finance (2 works) · Financial Literacy, Pension, Retirement Analysis (2 works) · Monetary economics (2 works) · Agricultural economics (1 works) · Cohort (1 works) · Commerce (1 works)