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Mortgage companies and regulatory arbitrage
Demyanyk, Yuliya; Loutskina, Elena - Federal Reserve Bank of Cleveland - 2012
foreclosure and delinquency during the crisis. Our results imply that the regulation in place had the capacity to prevent the …Mortgage companies (MCs) originated about 60% of all mortgages before the 2007 crisis and continue to hold a 30% market … deterioration of lending standards widely blamed for the crisis. The inconsistent enforcement of regulation, though, eroded its …
Persistent link: https://www.econbiz.de/10010583489
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Norway; 2011 Article IV Consultation: Staff Report; Public Information Notice on the Executive Board Discussion; and Statement by the Executive Director for Norway
International Monetary Fund (IMF); International … - 2012
Norway’s near-term macroeconomic priority is to reduce risks arising from high-household debt by tightening macroprudential standards for mortgage lending while undertaking tax reforms to gradually reduce incentives for excessive leverage. Creating a stronger institutional framework for...
Persistent link: https://www.econbiz.de/10011244493
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New Zealand; Selected Issues
International Monetary Fund (IMF); International … - 2009
In recent years, the IMF has released a growing number of reports and other documents covering economic and financial developments and trends in member countries. Each report, prepared by a staff team after discussions with government officials, is published at the option of the member country.
Persistent link: https://www.econbiz.de/10011244786
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Sweden; Financial Sector Assessment Program Update: Technical Note on Household Indebtedness: Implications for Financial Stability
International Monetary Fund (IMF); International … - 2011
As in other advanced economies, there has been a significant run-up of household debt in Sweden during the last two decades accompanied by rising housing prices, prompting concerns about sustainability and the implications for financial stability. The rise in household debt and the banking...
Persistent link: https://www.econbiz.de/10011244923
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Denmark; Financial Sector Assessment Program: Technical Note: The Danish Mortgage Market: A Comparative Analysis
International Monetary Fund (IMF); International … - 2007
This technical note presents a comparative analysis of the Danish Mortgage Market. It discusses the particularities of the regulatory framework of the Danish mortgage system. The note compares and contrasts mortgage financing in Denmark and in other European countries, looking both at the...
Persistent link: https://www.econbiz.de/10011245042
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Republic of Lithuania; Financial Sector Assessment Program Update-Technical Note-Insolvency and Creditor Rights Assessment
International Monetary Fund (IMF); International … - 2008
This Technical Note discusses key findings of the insolvency and creditor rights assessment for Lithuania. Lithuania has made significant progress in the field of creditor rights legislation and related institutions. Under the current legal framework, the creation and registration of secured...
Persistent link: https://www.econbiz.de/10011245697
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Foreclosure Mitigation Efforts in the United States; Approaches and Challenges
Klyuev, Vladimir; Kiff, John - International Monetary Fund (IMF) - 2009
Home foreclosure rates have risen in the United States to the highest levels since the Great Depression. With house … projected to go even higher. While most of the time a foreclosure is a suboptimal resolution of a distressed mortgage, a number …
Persistent link: https://www.econbiz.de/10011245863
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Housing Finance and Mortgage-Backed Securities in Mexico
Zanforlin, L.; Espinosa-Vega, Marco A - International Monetary Fund (IMF) - 2008
This paper reviews the Mexican experience with the securitization of residential mortgages. It highlights the key …
Persistent link: https://www.econbiz.de/10005248322
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Mortgage Defaults
Martinez, Leonardo; Hatchondo, Juan Carlos; Sanchez, Juan M. - International Monetary Fund (IMF) - 2012
This paper incorporates house price risk and mortgages into a standard incomplete market (SIM) model. The model is …
Persistent link: https://www.econbiz.de/10009650640
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Texas housing and mortgage update
Community Affairs Office - In: e-Perspectives (2011) 2
mortgages in the lead-up to the recent recession; therefore, the region did not get into a mortgage crisis as severe as in some …
Persistent link: https://www.econbiz.de/10009292965