---
title: Household Borrowing and Monetary Policy Transmission: Post-Pandemic Insights from Nine European Credit Registers
url: https://www.ml-quant.com/papers/repec/mnb-wpaper-2026-1/
site: ML-Quant (https://www.ml-quant.com)
updated: 2026-10-16
license: Summaries CC BY 4.0; links go to the original sources
index: https://www.ml-quant.com/llms.txt
identifier: RePEc:mnb:wpaper:2026/1
source_url: https://econpapers.repec.org/RePEc:mnb:wpaper:2026/1
featured: 2026-10-16
citations: unknown
topic: Risk, Credit & Banking
---


# Household Borrowing and Monetary Policy Transmission: Post-Pandemic Insights from Nine European Credit Registers

ECB tightening passes nearly fully to mortgage rates but weakly to consumer credit, with younger borrowers facing stronger mortgage pass-through than older ones.

- Source: https://econpapers.repec.org/RePEc:mnb:wpaper:2026/1
- Identifier: RePEc:mnb:wpaper:2026/1
- Released: 2026-10-12
- First featured: Quant Letter No. 135 (2026-10-16): https://www.ml-quant.com/issues/2026-10-16/
- Citations (Semantic Scholar): not tracked
- Published in: not yet
- Topic: Risk, Credit & Banking
- Authors: Olivier De Jonghe, Konstantīns Beņkovskis, Karolis Bielskis, Diana Bonfim, Margherita Bottero, Tamás Briglevics, Martin Cesnak, Mantas Dirma, Marina Emiris, Pálma Filep-Mosberger, Valentin Jouvanceau, Nicholas Kaiser

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