Facing an hypothetical, but increasingly, case of default risk on a mortgage or a fall in interest rates, an important issue raised by the borrower is the possibility of minimizing that risk by selecting the best refinancing option. In this paper, a mortgage refinancing model is presented,...

Throughout our history we have demonstrated the relationship between the decisions of energetic character, economy and the environment. For this reason is that they begin to develop and implement energetic modeling techniques as alternative tools for both the development of energy policies, and...