What Calls to ARMs? International Evidence on Interest Rates and the Choice of Adjustable-Rate Mortgages

• Cristian Badarinza

  Corresponding Author

  Cristian Badarinza

  [email protected]

  Department of Real Estate, National University of Singapore, Singapore 117566; Centre for Economic Policy Research, London EC1V 0DX; and Institute of Real Estate Studies, Singapore 119613

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• John Y. Campbell

  John Y. Campbell

  [email protected]

  Department of Economics, Harvard University, Cambridge, Massachusetts 02138; and National Bureau of Economic Research, Cambridge, Massachusetts 02138

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• Tarun Ramadorai

  Tarun Ramadorai

  [email protected]

  Centre for Economic Policy Research, London EC1V 0DX; National Bureau of Economic Research, Cambridge, Massachusetts 02138; and Imperial College London, South Kensington Campus, London SW7 2AZ

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