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-service-to-income ratios, in affecting developments in house prices and credit. We use data on 99 lending standard restrictions implemented in … house prices and credit. However, the impact is delayed and reaches its peak only after three years. In addition, the impact …
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regulators use to judge whether individual institutions are meeting the credit and service needs of low- and moderate-income (LMI …
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against the increase of credit risk arising from the credit boom. The paper also outlines the future challenges facing …
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