determinants of access to mortgage finance. It also examines whether mortgage holders were more likely to suffer financial distress … compared with non-mortgage holders in the period before the global financial crisis. The analysis does not find any systematic … evidence that mortgage holders are financially more vulnerable than renters or outright owners; in fact, the incidence of …

amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We …

having a mortgage in Spain. Similarly, the higher the mortgage depth in the country of ancestry, the higher the present value … of the monthly mortgage payments. Our results suggest that social norms regarding mortgage finance in the country of … ancestry matter in determining immigrants' mortgage finance in the host country. More specifically, the effect of social norms …

Insights to detect ensuing mortgage delinquencies. Such searches locate documents which assist to write a successful loan … housing research. -- housing ; hardship letter ; loan delinquency ; mortgage ; National Delinquency Survey (NDS) ; financial …

Using comparable survey data from twelve European countries we investigate households' attitudes towards mortgage … households have a mortgage outstanding relative to countries where a sizeable part of the population uses mortgage debt, like the … reference households, and crucially so in countries with less expanded mortgage markets. Thus it appears that households …

where homeowners commit a fixed budget to mortgage payments. Our model predicts that: (i) mortgage commitments, by … and entrepreneurship is increasing in mortgage debt; and (iii) the negative relation is more pronounced for entrepreneurs …

In this paper, we investigate whether evidence of discriminatory treatment against immigrants in the Spanish mortgage …-Blinder decomposition to measure the extent to which this disparate treatment of lenders in mortgage pricing against immigrants is due to … borrowers can be attributed to discriminatory treatment. -- immigration ; discrimination ; mortgage pricing ; housing market …