@article {The2014,
title = {The Role of Credit in the Housing Market},
year = {2014},
url = {https://www.esri.ie/publications/the-role-of-credit-in-the-housing-market},
author = {Gerlach-Kristen, Petra and Mc Inerney, Niall},
journal = {ESRI Working Paper 495},
}