. models Supplementary models Test Housing loans Corporate loans Consumer loans Housing loans Corporate loans Consumer loans Breusch-Pagan test for random effects. were by at least an 11 DiffLoanTypeToLoan it = β 1 StdEasingLoanType i,t−n +β 2 StdTighteningLoanType i,t−n + β 3 TermsLevelLoanType i,t−m + K+3 k=4...