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Information Salience and Mispricing in Housing

Making the purchase price fully salient to consumers has been shown to affect demand and equilibrium prices in various markets. Using a setting where part of the home acquisition price is in the form of nonsalient debt, we show this can happen in housing—a market where a typical household makes its largest acquisition. A regulation that made the debt and the total price salient for homebuyers eliminated a large mispricing caused by consumers’ inattention to the debt before the regulation. An average homebuyer would lose about $13,300 by acquiring a dwelling with one-standard deviation ($51,000)-higher debt, but this is nearly eliminated after the regulation. To shed light on the underlying channels, we use administrative data and show that young, financially inexperienced, and first-time homebuyers used to overpay the most. The results are not driven by rational channels based on liquidity constraints and adverse selection. Our findings imply that making all-inclusive house price and mortgage features salient at the time of advertising the sale can help avoid unintentional borrowing. This paper was accepted by David Simchi-Levi, finance. Supplemental Material: The online appendix is available at https://doi.org/10.1287/mnsc.2021.4253 .

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Establishing Trusted Representation | CAA

Labelling of quality and price is an important key for selecting goods or services. False or misleading representations may sway consumers into buying goods or services that are actually poor quality or overvalued. The Act against Unjustifiable Premiums and Misleading Representations prohibits such misleading representations. The Consumer Affairs Agency is addressing to ensure proper environment for shopping according to the Act.

<i>“</i> Paper or Plastic?”: How We Pay Influences Post-Transaction Connection

Abstract. Does the way that individuals pay for a good or service influence the amount of connection they feel after the purchase has occurred? Employing a

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Buy wisely

Whenever I buy things I try to prioritize cost per use. Sometimes I consider other priorities such as cost per smile, cost per thrill, cost per externality, ...

Simple Agreement for Future Equity (SAFE): Definition, Benefits, and Risks

A simple agreement for future equity (SAFE) is a seed-funding instrument that issues equity rights to be converted at a later date if triggered.

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