Long-Term Impacts of Individual Development Accounts on Homeownership among Baseline Renters: Follow-Up Evidence from a Randomized Experiment

被引：20

作者：

Grinstein-Weiss, Michal ^{[1
]}

Sherraden, Michael ^{[1
]}

Gale, William G. ^{[2
]}

Rohe, William M. ^{[3
]}

Schreiner, Mark ^{[1
]}

Key, Clinton ^{[3
]}

机构：

[1] Washington Univ, St Louis, MO 63130 USA

[2] Brookings Inst, Washington, DC 20036 USA

[3] Univ N Carolina, Chapel Hill, NC 27599 USA

来源：

AMERICAN ECONOMIC JOURNAL-ECONOMIC POLICY | 2013年 / 5卷 / 01期

关键词：

LOW-INCOME; INCENTIVES; ADJUSTMENT; FAMILIES; ASSETS;

D O I：

10.1257/pol.5.1.122

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We examine the long-term effects of a 1998-2003 randomized experiment in Tulsa, Oklahoma with Individual Development Accounts that offered low-income households 2:1 matching funds for housing down payments. Prior work shows that, among households who rented in 1998, homeownership rates increased more through 2003 in the treatment group than for controls. We show that control group renters caught up rapidly with the treatment group after the experiment ended. As of 2009, the program had an economically small and statistically insignificant effect on homeownership rates, the number of years respondents owned homes, home equity, and foreclosure activity among baseline renters. (JEL D14, H75, R21, R31)

引用

页码：122 / 145

页数：24

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