Karin Kinnerud is Assistant Professor of economics at BI Norwegian Business School. Her research focuses on macroeconomics, housing, household finance, and monetary policy. Karin earned her PhD in 2020 from the Institute for International Economic Studies at Stockholm University and holds a MSc in quantitative financial economics from Oklahoma State University.
I denne artikkelen forsøker vi å svare på om utlånsforskriften har virket etter hensikten og hvilke kostnader den påfører husholdningene. Forskningslitteraturen indikerer at boliglånsregulering bidrar til noe lavere gjelds- og boligprisvekst, men at det er mer usikkert om den reduserer husholdningenes sårbarhet for uforutsette hendelser som renteøkninger og arbeidsledighet. Utlånsforskriften påfører samtidig mange husholdninger kostnader ved at den begrenser muligheten for konsumglatting og kan gjøre det vanskeligere for unge å kjøpe sin første bolig. Reguleringen kan også forsterke viktigheten av formuende foreldre for muligheten til boligkjøp. Høy inflasjon og rente kan redusere behovet for forskriften og øke kostnadene.
Karlman, Markus Johan; Kinnerud, Karin & Kragh-Sørensen, Kasper (2020)
Costly reversals of bad policies: The case of the mortgage interest deduction
This paper measures the welfare effects of removing the mortgage interest deduction under a variety of implementation scenarios. To this end, we build a life-cycle model with heterogeneous households calibrated to the U.S. economy, which features long-term mortgages and costly refinancing. In line with previous research, we find that most households would prefer to be born into an economy without the deductibility. However, when we incorporate transitional dynamics, less than forty percent of households are in favor of a reform and the average welfare effect is negative. This result holds under a number of removal designs.
Fjære-Lindkjenn, Jeanette; Karlman, Markus Johan, Kinnerud, Karin & Wold, Ella Getz (2024)
Regulering av boliglån har store kostnader
[Kronikk]
Holm, Martin B.; Natvik, Gisle James, Kinnerud, Karin & Storesletten, Kjetil (2024)
På høy tid å justere avdragskravet
[Kronikk]
Kinnerud, Karin (2023)
Guest on the podcast Boligbobla: “Inflasjonsjusterte boligpriser?”
[Kronikk]
Kinnerud, Karin; Ellingsrud, Sigmund & Natvik, Gisle James (2024)
The inflation tilt effect
[Conference Lecture]. Event
Natvik, Gisle James; Kinnerud, Karin & Ellingsrud, Sigmund (2024)
The inflation tilt effect
[Lecture]. Event
Karlman, Markus; Kinnerud, Karin & Balke, Kasper Kragh (2024)
Down-payment requirements: implications for portfolio choice and consumption
[Conference Lecture]. Event
Natvik, Gisle James; Holm, Martin Blomhoff, Fagereng, Andreas, Gulbrandsen, Magnus, Kinnerud, Karin & Ellingsrud, Sigmund (2024)
Monetary Policy and Household Indebtedness – How Important are Fisher and Tilt Effects?
[Lecture]. Event
Kinnerud, Karin & Balke, Kasper Kragh (2024)
Mortgage lending standards: Implications for consumption dynamics
[Conference Lecture]. Event
Ellingsrud, Sigmund; Kinnerud, Karin & Natvik, Gisle James (2023)
The Inflation Tilt Effect
[Conference Lecture]. Event
Karlman, Markus Johan; Kinnerud, Karin & Balke, Kasper Kragh (2023)
Down-payment requirements in the housing market: Implications for portfolio choice, consumption dynamics, and welfare
[Conference Lecture]. Event
Kinnerud, Karin & Lorentzon, Louise (2023)
Dominated pension investments: the role of search frictions and unawareness
[Conference Lecture]. Event
Kinnerud, Karin; Karlman, Markus & Balke, Kasper Kragh (2023)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin (2023)
Hva er optimal boligskatt?
[Lecture]. Event
Karlman, Markus Johan; Kinnerud, Karin & Balke, Kasper Kragh (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Kinnerud, Karin (2023)
Kommer kronan överleva krisen?
[Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Karlman, Markus Johan; Kinnerud, Karin & Balke, Kasper Kragh (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Kinnerud, Karin (2023)
Utlånsforskriften og kreditt: Hva betyr inflasjonen for forgjeldede norske husholdninger?
[Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Balke, Kasper Kragh; Karlman, Markus & Kinnerud, Karin (2023)
Down-payment requirements: Implications for portfolio choice and consumption
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin (2022)
The effects of monetary policy through housing and mortgage choices on aggregate demand
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin (2022)
The effects of monetary policy through housing and mortgage choices on aggregate demand
[Conference Lecture]. Event
Kinnerud, Karin & Lorentzon, Louise (2022)
Dominated pension investments: the role of search frictions and unawareness
[Conference Lecture]. Event
Balke, Kasper Kragh; Kinnerud, Karin & Karlman, Markus Johan (2022)
Egenkapitalkrav og husholdningenes konsum
[Lecture]. Event
Kinnerud, Karin & Lorentzon, Louise (2022)
Dominated pension investments: the role of search frictions and unawareness
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin; Natvik, Gisle James & Ellingsrud, Sigmund (2022)
Do indebted households benefit from inflation?
[Conference Lecture]. Event
Kragh-Sørensen, Kasper; Kinnerud, Karin & Karlman, Markus Johan (2022)
Hvordan påvirker egenkapitalkrav ved boligkjøp husholdningenes konsum?
[Lecture]. Event
Balke, Kasper Kragh; Kinnerud, Karin & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin (2022)
The effects of monetary policy through housing and mortgage choices on aggregate demand
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin; Balke, Kasper Kragh & Karlman, Markus Johan (2022)
Down-payment requirements and consumption responses to income shocks
[Conference Lecture]. Event
Kinnerud, Karin (2021)
The effects of monetary policy through housing and mortgage choices on aggregate demand
[Conference Lecture]. Event
Kinnerud, Karin (2021)
Monetary Policy and the Mortgage Market
[Conference Lecture]. Event
Kinnerud, Karin (2021)
Monetary policy and the mortgage market
[Conference Poster]. Event
Kinnerud, Karin (2021)
The effects of monetary policy through housing and mortgage choices on aggregate demand
[Conference Lecture]. Event
Kinnerud, Karin; Kragh-Sørensen, Kasper & Karlman, Markus Johan (2021)
Mortgage lending standards: Implications for consumption dynamics
[Conference Lecture]. Event
Kinnerud, Karin; Karlman, Markus Johan & Kragh-Sørensen, Kasper (2021)
Mortgage lending standards: Implications for consumption dynamics
[Conference Lecture]. Event
Kragh-Sørensen, Kasper; Kinnerud, Karin & Karlman, Markus Johan (2021)
Down-payment requirements and the consumption response to income shocks: Implications for fiscal and monetary policy
[Conference Lecture]. Event
Kinnerud, Karin (2020)
Paneldeltaker i forbindelse med foredrag av Amir Sufi
[Lecture]. Event
Kinnerud, Karin (2020)
Monetary policy and the mortgage market
[Conference Lecture]. Event
Kinnerud, Karin (2020)
Monetary policy and the mortgage market
[Conference Lecture]. Event
Academic Degrees
Year
Academic Department
Degree
2020
Stockholm University, Institute for International Economic Studies