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

Barriers to homeownership have traditionally been an important research and policy issue. In particular, the role of …-occupancy propensities is driven by risk aversion, as it is assumed in most of the theoretical models, or on the contrary it is driven by … income uncertainty and credit constraints exert a significant negative effect on the probability of homeownership. Our main …

deterioration of underwriting practices and a boom in mortgage lending did not benefit minorities and immigrant homeownership in the … homeownership particularly if they obtained the mortgage during subprime boom period from 2004 - 2006. Hispanics, on the other hand … homeownership experience during the recent housing boom and housing bust was not homogenous across all groups in the U.S. The recent …

homeownership experience high parental voting turnout in elections. We also investigate whether homeownership influences the … associations between homeownership and state-ownership rates and outcome variables. Our findings show no discernible effect of … homeownership on parental voting turnout in school elections after controls are added (contrary to the simple positive association …

design of mortgage insurance products. …