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Adam Smith und die Bankenregulierung Ein Widerspruch zu einer sonst liberalen Wirtschaftspolitik?
Kremser, Christian E. W. - In: Zeitschrift für Wirtschaftspolitik 63 (2014) 3, pp. 293-328
Abstract Proponents of liberal economic policies in the financial market often refer to the moral and economic authority of Adam Smith, the founder of economics as a science, to add weight to their recommendations. They think, they can do so, because Adam Smith is in these circles considered a...
Persistent link: https://www.econbiz.de/10014630814
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Verzerrungen von Konsumentenpreisindices und ihr Einfluss auf das „reale“ Wirtschaftswachstum – dargestellt am Beispiel der USA / Biases in Consumer Price Indices and Their Impact...
Hartwig, Jochen; Schips, Bernd - In: Jahrbücher für Nationalökonomie und Statistik 225 (2005) 4, pp. 394-412
. Es erweist sich, dass die Divergenz in den Wachstumsraten der USA und der EU seit 1997 fast zur Gänze auf …
Persistent link: https://www.econbiz.de/10014609054
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Heterogeneous preferences of Russian residential mortgage borrowers
Ozhegov, Evgeniy M. - In: Journal of European Real Estate Research 10 (2017) 1, pp. 35-56
Purpose This paper aims to examine the heterogeneity of preferences of mortgage borrowers of Russian state … operates government mortgage programs. The paper uses a multistep semiparametric approach to estimate the determinants of bank … conditions by other instruments than government mortgage is less elastic according to the change both in interest rate and …
Persistent link: https://www.econbiz.de/10014862735
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The relationship between consumer characteristics and mortgage preferences
Hullgren, Maria; Söderberg, Inga‐Lill - In: International Journal of Housing Markets and Analysis 6 (2013) 2, pp. 209-230
' mortgage rate decisions, such as the choice between an adjustable rate mortgage (ARM) and a fixed rate mortgage (FRM). Design … effects of education, income and risk aversion on household mortgage decisions are investigated. In addition, consumers …' financial literacy and self‐reported ability to handle sudden mortgage rate increases are examined. A test of gender effects is …
Persistent link: https://www.econbiz.de/10014777812
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Another look at housing finance in Africa
Donkor-Hyiaman, Kenneth Appiah; Owusu-Manu, DeGraft - In: International Journal of Housing Markets and Analysis 9 (2016) 1, pp. 20-46
in a mortgage investment and or borrowed on a housing microfinance basis. Originality/value – The paper contributes to … than property, for mortgage financing. The proposals made are aimed at influencing policy by way of advocating for the use …
Persistent link: https://www.econbiz.de/10014778269
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Mortgage Securitization System (MSS) (a complementary system of Rastin Banking)
Bidabad, Bijan - In: International Journal of Law and Management 59 (2017) 6, pp. 778-783
or other activities. Findings The mortgage securitization system (MSS) securitizes tangible assets and provides necessary …
Persistent link: https://www.econbiz.de/10014781941
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When a backer is an expropriator: pitfalls in the consumer protection mechanism for off-plan building sales in Vietnamese law
Thanh Doan, Hai; Thi Phuong Doan, Diep; Minh Luu, Sang - In: Journal of Property, Planning and Environmental Law 14 (2022) 1, pp. 11-24
Purpose To motivate investments in housing projects, the state may allow private entities to mobilize capital through selling off-plan buildings and use proceeds to complete the project. The state senses the risks for consumers in these projects: frauds certainly occur. To safeguard consumers’...
Persistent link: https://www.econbiz.de/10014900211
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The real estate market in Ghana: the nexus between price and income levels
Gyadu-Asiedu, William; Anewuoh, Firmin; Appiadu-Boakye, … - In: Built Environment Project and Asset Management 13 (2023) 1, pp. 56-72
estate houses in Ghana to identify the prevailing mortgage gaps and to stimulate both reactive and proactive government … were: (1) salary levels of government employees and (2) mortgage values prevailing. The three data sets were analysed and … structured to identify the relationship between income levels and the prices of real estate houses within the prevailing mortgage …
Persistent link: https://www.econbiz.de/10014677957
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Borrower characteristics and mortgage rate choice in Sweden
Hullgren, Maria; Söderberg, Inga-Lill - In: International Journal of Bank Marketing 34 (2016) 5, pp. 649-669
Purpose – The purpose of this paper is to investigate driving forces behind mortgage rate choice among homeowners in a … market of no mortgage rate spread. The study reported on was conducted in Sweden, a country relatively spared both from … major ways: first, the Swedish case is modeled against a review of international research on mortgage rate choice. Second, a …
Persistent link: https://www.econbiz.de/10014760878
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Minimum Capital Adequacy Ratios for Banks. An Obstacle to Investment Finance of Poorly Capitalized Firms? / Eigenkapitalnormen für Banken. Ein Hindernis für die Investitionsfinanzi...
Vollmer, Uwe - In: Jahrbücher für Nationalökonomie und Statistik 221 (2001) 5-6, pp. 577-591
Summary Existing institutions of banking regulation force banks to meet minimum capital adequacy ratios. These regulations intend to guarantee the solvency of banks and to protect depositors against excessive risk-taking by bank-owners. By the same token, however, they may have consequences for...
Persistent link: https://www.econbiz.de/10014608856