Experienced Discrimination in Home Mortgage Lending: A Case of Hospital Employees in Northern Italy
研究意大利北部医院员工在申请住房抵押贷款时感知到的歧视，通过两步计量模型分析发现，申请人的国籍是歧视出现的关键因素。
This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experience) of discriminatory behavior related to home financing. The analysis follows two steps. The first evaluates self-selection (the probability that individuals apply) and the second focuses on the likelihood that applications are accepted by the bank. Findings show that discrimination is likely to appear when the applicant’s nationality is considered. In addition to its findings, the study (a) provides an original econometric model on a two-step procedure to test perceived discrimination and (b) suggests a method and approach that may constitute a point of reference for those willing to study perceived discrimination.