Economist
Advisor, Economics and Monetary Policy at Danmarks Nationalbank.
I do applied micro in household finance and I am affiliated with PeRCent. Viewpoints and conclusions are my own and do not necessarily reflect the views of Danmarks Nationalbank.
Danmarks Nationalbank
Langelinie Allé 472100 Copenhagen ØDenmarkhya [at] nationalbanken.dk Google Scholar | Linkedin | X | BlueskyDescribing Interest-Only Mortgage Borrowers’ Savings and Spending using Danish Register Data
with Stine Ludvig Bech
Danmarks Nationalbank Working Paper no. 203, May 2024
Early pension withdrawals and optimal liquidity
with Alina Bartscher, Patrick Moran, and Søren Leth-Petersen
Are Households Systematically Inactive Across Financial Decisions? Combining Evidence from Mortgage and Retirement Saving Incentives
with Camilla Skovbo Christensen, Claus Thustrup Kreiner, and Søren Leth-Petersen
Spending when illiquid savings become liquid: evidence from Danish wage earners
Danmarks Nationalbank Working Paper no. 161, September 2020
Spending Response to a Predictable Increase in Mortgage Repayments: Evidence from Expiring Interest-Only Loans
with Stine Ludvig Bech and Alessia De Stefani
Mandatory pension contributions and long-run debt accumulation: Evidence from Danish Low-wage Earners
with Niels Lynggård Hansen and Andreas Kuchler
Housing wealth or collateral: How home value shocks drive home equity extraction and spending
with Søren Leth-Petersen
Pension wealth and macroeconomic stability
with Niels Lynggård Hansen and Andreas Kuchler
Refinancing fixed-rate mortgages and homeowners' financial resilience (EN/DA)
with Rikke Rhode Nissen and Erik Grenestam
Access to the housing market for younger people with targeted easing of financing (EN/DA)
with Simon Juul Hviid, Rikke Rhode Nissen, Jens Skovsted Halsnæs , and Birger Buchhave Poulsen
The Danish savings surplus: Trends in firm and household savings (EN/DA)
with Lars Risbjerg, Morten Spange, and Robert Wederkinck
Effects of Increases in Monetary Policy Rates (EN/DA)
with Mia Jørgensen, Andreas Kuchler, Rasmus Bisgaard Larsen, Marcus Læssøe Bjerregaard,
Alexander Meldgaard Otte, Morten Spange, and Christoffer Jessen Weissert
Pension wealth returns in Danish households (EN/DA)
with Stine Ludvig Bech, Simone Maria Bonin, and Andreas Kuchler
Danskernes høje pensionsformue og gæld forstærker udsving i forbruget
with Niels Lynggård Hansen and Andreas Kuchler
Refinancing behaviour of homeowners in Denmark when mortgage rates rise (EN/DA)
with Erik Grenestam, Marcus Bjerregaard Læssøe, Alexander Meldgaard Otte, and Sigurd A. M. Steffensen
Inequality and Savings (EN/DA)
with Alina Bartscher, Thomas Krause, and Andreas Kuchler
Expiring interest-only mortgages have implications for household expenditure (EN/DA)
with Stine Ludvig Bech and Alessia De Stefani
Konverteringsbølgen er tiltrængt for privatforbruget
with Alexander Meldgaard Otte
Mortgage refinancing supports private consumption (EN/DA)
with Stine Ludvig Bech, Ida Rommedahl Julin, and Alexander Meldgaard Otte
Impacts of 2016 guidelines on mortgaging of homes (EN/DA)
with Christian Sinding Bentzen and Simon Juul Hviid