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1% Bibliography for UQO Working Paper No. 18 -- all entries verified (Crossref/DOI/publisher page), see research/literature_matrix.csv23@article{adam2016price,4  author      = {Adam, Klaus and Zhu, Junyi},5  title       = {Price-Level Changes and the Redistribution of Nominal Wealth across the Euro Area},6  year        = {2016},7  journal     = {Journal of the European Economic Association},8  volume      = {14},9  number      = {4},10  pages       = {871--906},11  doi         = {10.1111/jeea.12155}12}1314@article{aiyagari1994uninsured,15  author      = {Aiyagari, S. Rao},16  title       = {Uninsured Idiosyncratic Risk and Aggregate Saving},17  year        = {1994},18  journal     = {Quarterly Journal of Economics},19  volume      = {109},20  number      = {3},21  pages       = {659--684},22  doi         = {10.2307/2118417}23}2425@article{allen2019search,26  author      = {Allen, Jason and Clark, Robert and Houde, Jean-Fran{\c{c}}ois},27  title       = {Search Frictions and Market Power in Negotiated-Price Markets},28  year        = {2019},29  journal     = {Journal of Political Economy},30  volume      = {127},31  number      = {4},32  pages       = {1550--1598},33  doi         = {10.1086/701684}34}3536@article{auclert2019monetary,37  author      = {Auclert, Adrien},38  title       = {Monetary Policy and the Redistribution Channel},39  year        = {2019},40  journal     = {American Economic Review},41  volume      = {109},42  number      = {6},43  pages       = {2333--2367},44  doi         = {10.1257/aer.20160137}45}4647@techreport{benetton2022dynastic,48  author      = {Benetton, Matteo and Kudlyak, Marianna and Mondragon, John},49  title       = {Dynastic Home Equity},50  year        = {2022},51  institution = {SSRN},52  type        = {SSRN Working Paper},53  doi         = {10.2139/ssrn.4163306}54}5556@article{benhabib2011distribution,57  author      = {Benhabib, Jess and Bisin, Alberto and Zhu, Shenghao},58  title       = {The Distribution of Wealth and Fiscal Policy in Economies with Finitely Lived Agents},59  year        = {2011},60  journal     = {Econometrica},61  volume      = {79},62  number      = {1},63  pages       = {123--157},64  doi         = {10.3982/ECTA8416}65}6667@article{blickle2019borrowing,68  author      = {Blickle, Kristian and Brown, Martin},69  title       = {Borrowing Constraints, Home Ownership and Housing Choice: Evidence from Intra-Family Wealth Transfers},70  year        = {2019},71  journal     = {Journal of Money, Credit and Banking},72  volume      = {51},73  number      = {2--3},74  pages       = {539--580},75  doi         = {10.1111/jmcb.12566}76}7778@article{boar2021dynastic,79  author      = {Boar, Corina},80  title       = {Dynastic Precautionary Savings},81  year        = {2021},82  journal     = {Review of Economic Studies},83  volume      = {88},84  number      = {6},85  pages       = {2735--2765},86  doi         = {10.1093/restud/rdab012}87}8889@article{borri2021optimal,90  author      = {Borri, Nicola and Reichlin, Pietro},91  title       = {Optimal Taxation with Home Ownership and Wealth Inequality},92  year        = {2021},93  journal     = {Review of Economic Dynamics},94  volume      = {40},95  pages       = {64--84},96  doi         = {10.1016/j.red.2020.09.003}97}9899@techreport{bounajm2024modelling,100  author      = {Bounajm, Fares and McWhirter, Austin},101  title       = {Modelling {Canadian} Mortgage Debt and Payments in a Semi-Structural Model},102  year        = {2024},103  institution = {Bank of Canada},104  type        = {Bank of Canada Staff Analytical Note},105  number      = {2024-1},106  doi         = {10.34989/san-2024-1}107}108109@article{campbell2003household,110  author      = {Campbell, John Y. and Cocco, Jo{\~a}o F.},111  title       = {Household Risk Management and Optimal Mortgage Choice},112  year        = {2003},113  journal     = {Quarterly Journal of Economics},114  volume      = {118},115  number      = {4},116  pages       = {1449--1494},117  doi         = {10.1162/003355303322552847}118}119120@article{campbell2021structuring,121  author      = {Campbell, John Y. and Clara, Nuno and Cocco, Jo{\~a}o F.},122  title       = {Structuring Mortgages for Macroeconomic Stability},123  year        = {2021},124  journal     = {Journal of Finance},125  volume      = {76},126  number      = {5},127  pages       = {2525--2576},128  doi         = {10.1111/jofi.13056}129}130131@article{chambers2009accounting,132  author      = {Chambers, Matthew and Garriga, Carlos and Schlagenhauf, Don E.},133  title       = {Accounting for Changes in the Homeownership Rate},134  year        = {2009},135  journal     = {International Economic Review},136  volume      = {50},137  number      = {3},138  pages       = {677--726},139  doi         = {10.1111/j.1468-2354.2009.00544.x}140}141142@article{charles2002transition,143  author      = {Charles, Kerwin Kofi and Hurst, Erik},144  title       = {The Transition to Home Ownership and the Black-White Wealth Gap},145  year        = {2002},146  journal     = {Review of Economics and Statistics},147  volume      = {84},148  number      = {2},149  pages       = {281--297},150  doi         = {10.1162/003465302317411532}151}152153@article{cloyne2020monetary,154  author      = {Cloyne, James and Ferreira, Clodomiro and Surico, Paolo},155  title       = {Monetary Policy when Households have Debt: New Evidence on the Transmission Mechanism},156  year        = {2020},157  journal     = {Review of Economic Studies},158  volume      = {87},159  number      = {1},160  pages       = {102--129},161  doi         = {10.1093/restud/rdy074}162}163164@misc{cmhc2026residential,165  author      = {{Canada Mortgage and Housing Corporation}},166  title       = {Residential Mortgage Industry Report, Spring 2026},167  year        = {2026},168  howpublished= {CMHC},169  url         = {https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/housing-research/research-reports/housing-finance/residential-mortgage-industry-report}170}171172@article{davis2007price,173  author      = {Davis, Morris A. and Heathcote, Jonathan},174  title       = {The Price and Quantity of Residential Land in the {United States}},175  year        = {2007},176  journal     = {Journal of Monetary Economics},177  volume      = {54},178  number      = {8},179  pages       = {2595--2620},180  doi         = {10.1016/j.jmoneco.2007.06.023}181}182183@techreport{daysal2023intergenerational,184  author      = {Daysal, N. Meltem and Lovenheim, Michael F. and Wasser, David N.},185  title       = {The Intergenerational Transmission of Housing Wealth},186  year        = {2023},187  institution = {National Bureau of Economic Research},188  type        = {NBER Working Paper 31669},189  number      = {31669},190  doi         = {10.3386/w31669}191}192193@article{denardi2004wealth,194  author      = {De Nardi, Mariacristina},195  title       = {Wealth Inequality and Intergenerational Links},196  year        = {2004},197  journal     = {Review of Economic Studies},198  volume      = {71},199  number      = {3},200  pages       = {743--768},201  doi         = {10.1111/j.1467-937X.2004.00302.x}202}203204@article{diamond1965national,205  author      = {Diamond, Peter A.},206  title       = {National Debt in a Neoclassical Growth Model},207  year        = {1965},208  journal     = {American Economic Review},209  volume      = {55},210  number      = {5},211  pages       = {1126--1150},212  url         = {https://assets.aeaweb.org/asset-server/journals/aer/top20/55.5.1126-1150.pdf}213}214215@article{diaz2010wealth,216  author      = {D{\'i}az, Antonia and Luengo-Prado, Mar{\'i}a Jos{\'e}},217  title       = {The Wealth Distribution with Durable Goods},218  year        = {2010},219  journal     = {International Economic Review},220  volume      = {51},221  number      = {1},222  pages       = {143--170},223  doi         = {10.1111/j.1468-2354.2009.00574.x}224}225226@article{doepke2006inflation,227  author      = {Doepke, Matthias and Schneider, Martin},228  title       = {Inflation and the Redistribution of Nominal Wealth},229  year        = {2006},230  journal     = {Journal of Political Economy},231  volume      = {114},232  number      = {6},233  pages       = {1069--1097},234  doi         = {10.1086/508379}235}236237@article{engelhardt1998intergenerational,238  author      = {Engelhardt, Gary V. and Mayer, Christopher J.},239  title       = {Intergenerational Transfers, Borrowing Constraints, and Saving Behavior: Evidence from the Housing Market},240  year        = {1998},241  journal     = {Journal of Urban Economics},242  volume      = {44},243  number      = {1},244  pages       = {135--157},245  doi         = {10.1006/juec.1997.2064}246}247248@article{fagereng2021why,249  author      = {Fagereng, Andreas and Mogstad, Magne and R{\o}nning, Marte},250  title       = {Why Do Wealthy Parents Have Wealthy Children?},251  year        = {2021},252  journal     = {Journal of Political Economy},253  volume      = {129},254  number      = {3},255  pages       = {703--756},256  doi         = {10.1086/712446}257}258259@article{favilukis2017macroeconomic,260  author      = {Favilukis, Jack and Ludvigson, Sydney C. and Van Nieuwerburgh, Stijn},261  title       = {The Macroeconomic Effects of Housing Wealth, Housing Finance, and Limited Risk Sharing in General Equilibrium},262  year        = {2017},263  journal     = {Journal of Political Economy},264  volume      = {125},265  number      = {1},266  pages       = {140--223},267  doi         = {10.1086/689606}268}269270@article{favilukis2023affordable,271  author      = {Favilukis, Jack and Mabille, Pierre and Van Nieuwerburgh, Stijn},272  title       = {Affordable Housing and City Welfare},273  year        = {2023},274  journal     = {Review of Economic Studies},275  volume      = {90},276  number      = {1},277  pages       = {293--330},278  doi         = {10.1093/restud/rdac024}279}280281@article{fisher1933debt,282  author      = {Fisher, Irving},283  title       = {The Debt-Deflation Theory of Great Depressions},284  year        = {1933},285  journal     = {Econometrica},286  volume      = {1},287  number      = {4},288  pages       = {337--357},289  doi         = {10.2307/1907327}290}291292@article{floetotto2016government,293  author      = {Floetotto, Max and Kirker, Michael and Stroebel, Johannes},294  title       = {Government Intervention in the Housing Market: Who Wins, Who Loses?},295  year        = {2016},296  journal     = {Journal of Monetary Economics},297  volume      = {80},298  pages       = {106--123},299  doi         = {10.1016/j.jmoneco.2016.04.005}300}301302@article{gabaix2016dynamics,303  author      = {Gabaix, Xavier and Lasry, Jean-Michel and Lions, Pierre-Louis and Moll, Benjamin},304  title       = {The Dynamics of Inequality},305  year        = {2016},306  journal     = {Econometrica},307  volume      = {84},308  number      = {6},309  pages       = {2071--2111},310  doi         = {10.3982/ECTA13569}311}312313@article{garriga2017mortgages,314  author      = {Garriga, Carlos and Kydland, Finn E. and {\v{S}}ustek, Roman},315  title       = {Mortgages and Monetary Policy},316  year        = {2017},317  journal     = {Review of Financial Studies},318  volume      = {30},319  number      = {10},320  pages       = {3337--3375},321  doi         = {10.1093/rfs/hhx043}322}323324@article{gervais2002housing,325  author      = {Gervais, Martin},326  title       = {Housing Taxation and Capital Accumulation},327  year        = {2002},328  journal     = {Journal of Monetary Economics},329  volume      = {49},330  number      = {7},331  pages       = {1461--1489},332  doi         = {10.1016/S0304-3932(02)00172-1}333}334335@article{gete2018mortgage,336  author      = {Gete, Pedro and Reher, Michael},337  title       = {Mortgage Supply and Housing Rents},338  year        = {2018},339  journal     = {Review of Financial Studies},340  volume      = {31},341  number      = {12},342  pages       = {4884--4911},343  doi         = {10.1093/rfs/hhx145}344}345346@article{glaeser2018economic,347  author      = {Glaeser, Edward and Gyourko, Joseph},348  title       = {The Economic Implications of Housing Supply},349  year        = {2018},350  journal     = {Journal of Economic Perspectives},351  volume      = {32},352  number      = {1},353  pages       = {3--30},354  doi         = {10.1257/jep.32.1.3}355}356357@techreport{godbout2025how,358  author      = {Godbout, Claudia and Su, Adam and Xu, Yang},359  title       = {How Will Mortgage Payments Change at Renewal? An Updated Analysis},360  year        = {2025},361  institution = {Bank of Canada},362  type        = {Bank of Canada Staff Analytical Note},363  number      = {2025-21},364  doi         = {10.34989/san-2025-21}365}366367@article{greenwald2025do,368  author      = {Greenwald, Daniel L. and Guren, Adam},369  title       = {Do Credit Conditions Move House Prices?},370  year        = {2025},371  journal     = {American Economic Review},372  volume      = {115},373  number      = {10},374  pages       = {3559--3596},375  doi         = {10.1257/aer.20211715}376}377378@article{grossmann2021distributional,379  author      = {Grossmann, Volker and Larin, Benjamin and L{\"o}fflad, Hans Torben and Steger, Thomas},380  title       = {Distributional Consequences of Surging Housing Rents},381  year        = {2021},382  journal     = {Journal of Economic Theory},383  volume      = {196},384  pages       = {105275},385  doi         = {10.1016/j.jet.2021.105275}386}387388@article{guiso2002private,389  author      = {Guiso, Luigi and Jappelli, Tullio},390  title       = {Private Transfers, Borrowing Constraints, and Timing of Homeownership},391  year        = {2002},392  journal     = {Journal of Money, Credit, and Banking},393  volume      = {34},394  number      = {2},395  pages       = {315--339},396  doi         = {10.1353/mcb.2002.0039}397}398399@article{guren2021mortgage,400  author      = {Guren, Adam M. and Krishnamurthy, Arvind and McQuade, Timothy J.},401  title       = {Mortgage Design in an Equilibrium Model of the Housing Market},402  year        = {2021},403  journal     = {Journal of Finance},404  volume      = {76},405  number      = {1},406  pages       = {113--168},407  doi         = {10.1111/jofi.12963}408}409410@article{gyourko2013superstar,411  author      = {Gyourko, Joseph and Mayer, Christopher and Sinai, Todd},412  title       = {Superstar Cities},413  year        = {2013},414  journal     = {American Economic Journal: Economic Policy},415  volume      = {5},416  number      = {4},417  pages       = {167--199},418  doi         = {10.1257/pol.5.4.167}419}420421@article{halket2014saving,422  author      = {Halket, Jonathan and Vasudev, Santhanagopalan},423  title       = {Saving Up or Settling Down: Home Ownership over the Life Cycle},424  year        = {2014},425  journal     = {Review of Economic Dynamics},426  volume      = {17},427  number      = {2},428  pages       = {345--366},429  doi         = {10.1016/j.red.2013.06.002}430}431432@article{halket2015homeownership,433  author      = {Halket, Jonathan and Pignatti Morano di Custoza, Matteo},434  title       = {Homeownership and the Scarcity of Rentals},435  year        = {2015},436  journal     = {Journal of Monetary Economics},437  volume      = {76},438  pages       = {107--123},439  doi         = {10.1016/j.jmoneco.2015.08.003}440}441442@article{henderson1983model,443  author      = {Henderson, J. Vernon and Ioannides, Yannis M.},444  title       = {A Model of Housing Tenure Choice},445  year        = {1983},446  journal     = {American Economic Review},447  volume      = {73},448  number      = {1},449  pages       = {98--113},450  url         = {https://ideas.repec.org/a/aea/aecrev/v73y1983i1p98-113.html}451}452453@techreport{hou2010homeownership,454  author      = {Hou, Feng},455  title       = {Homeownership over the Life Course of {Canadians}: Evidence from {Canadian} Censuses of Population},456  year        = {2010},457  institution = {Statistics Canada},458  type        = {Statistics Canada Analytical Studies Branch Research Paper 325},459  number      = {325},460  url         = {https://www150.statcan.gc.ca/n1/pub/11f0019m/11f0019m2010325-eng.htm}461}462463@article{huggett1996wealth,464  author      = {Huggett, Mark},465  title       = {Wealth Distribution in Life-Cycle Economies},466  year        = {1996},467  journal     = {Journal of Monetary Economics},468  volume      = {38},469  number      = {3},470  pages       = {469--494},471  doi         = {10.1016/S0304-3932(96)01291-3}472}473474@article{iacoviello2005house,475  author      = {Iacoviello, Matteo},476  title       = {House Prices, Borrowing Constraints, and Monetary Policy in the Business Cycle},477  year        = {2005},478  journal     = {American Economic Review},479  volume      = {95},480  number      = {3},481  pages       = {739--764},482  doi         = {10.1257/0002828054201477}483}484485@article{iacoviello2013housing,486  author      = {Iacoviello, Matteo and Pavan, Marina},487  title       = {Housing and Debt over the Life Cycle and over the Business Cycle},488  year        = {2013},489  journal     = {Journal of Monetary Economics},490  volume      = {60},491  number      = {2},492  pages       = {221--238},493  doi         = {10.1016/j.jmoneco.2012.10.020}494}495496@article{kaas2021low,497  author      = {Kaas, Leo and Kocharkov, Georgi and Preugschat, Edgar and Siassi, Nawid},498  title       = {Low Homeownership in {Germany}---A Quantitative Exploration},499  year        = {2021},500  journal     = {Journal of the European Economic Association},501  volume      = {19},502  number      = {1},503  pages       = {128--164},504  doi         = {10.1093/jeea/jvaa004}505}506507@article{kaplan2020housing,508  author      = {Kaplan, Greg and Mitman, Kurt and Violante, Giovanni L.},509  title       = {The Housing Boom and Bust: Model Meets Evidence},510  year        = {2020},511  journal     = {Journal of Political Economy},512  volume      = {128},513  number      = {9},514  pages       = {3285--3345},515  doi         = {10.1086/708816}516}517518@techreport{kartashova2020how,519  author      = {Kartashova, Katya and Zhou, Xiaoqing},520  title       = {How Do Mortgage Rate Resets Affect Consumer Spending and Debt Repayment? 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