Dr Carolin Hoeltken

Housing Economics and Household Finance
University of Cambridge

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I am a Senior Teaching Associate in Real Estate, Finance and Economics at the Department of Land Economy and a Cambridge University Land Society Fellow at the University of Cambridge, the Deputy Director of our MPhil in Real Estate Finance, and Director of Studies at Homerton College.

My research interests include housing economics, household finance, and economic and urban history. In particular, I am interested in how people make their housing decisions, what factors play into these decisions and what the outcomes are to better understand what determines demand for housing and financial investment. 

At the moment, I am intrigued by preferences, attitudes and beliefs, such as risk aversion or expectations, and how they lead to different outcomes particularly for women. In my current household finance research, I use detailed household data representative of German households to analyse topics of political or societal interest.  Read more about my research here

Before joining Cambridge, I was a tenure-track Advanced Researcher in real estate and household finance at ZEW – Leibniz Centre for European Economic Research in Mannheim, Germany where I was responsible for research in the research area "Household Finance and Real Estate". One of my projects was the German Real Estate Finance Index (DIFI), a quarterly survey among real estate experts, which I edited in cooperation with Jones Lang LaSalle (JLL). I was also the principal investigator in two research projects on aesthetics in the built environment and reverse mortgages as an instrument for one's old-age income. Lastly, I chaired the annual ReCapNet (Real Estate and Capital Markets Network) conference from 2018 to 2020.

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