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 …

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 …

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 …

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 …

market. We take the case of Italy, a country that experienced changes in the mortgage market brought about by the 1992 … 1989 and 1993, we estimate the relationship between female participation and mortgage use. We find a significant impact of …

We investigate the socio-economic determinants of mortgage delinquency in 12 EU countries and observe that income … volatility significantly increases the mortgage delinquency risk. This pattern even holds for borrowers with higher …-income profiles if volatility in income is high enough. From this result we can draw the following conclusions: i) mortgage protection …

. We contribute to the literature in distinguishing homeowners with mortgage payments and outright homeowners. We … homeowner, a homeowner with mortgage payments or a tenant by a mixed multinomial logit model. To be able to correctly identify … results show that homeowners with a mortgage exit unemployment first. Outright owners stay unemployed the longest. Tenants …