?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adissertation&rft.au=Veen%2C+Ilse+Sanne+van+der&rft.aufirst=Ilse+Sanne+van+der&rft.aulast=Veen&rft.title=Residential+mortgage+lending+and+energy-efficient+homes%3A+A+study+on+the+loan-to-value+ratio+in+relationship+to+residential+energy+labels+of+Dutch+households&rft.date=2021&rft.tpages=37&rft.degree=Master