Patti, Emilia Bonaccorsi di; Felici, Roberto - In: BANCARIA 11 (2010) November
The analysis of the data sample of 1 million mortgages granted between 2004 and 2007 shows that variable rate contracts have been, on average, more risky; late payments have been more frequent for borrowers who are younger, resident in the Southern Italy or immigrants from non-Eu countries;...