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Credit Risk Modeling of Residential Mortgage Lending in Russia
Poroshina, Agatha - 2014
This paper analyzes the problems of credit risk modeling of residential mortgage lending in Russia. Using unique … mortgage loan and macro data from a regional branch of the Agency of Home Mortgage Lending (2008-2012), we find that borrower … and mortgage loan characteristics affect the loan performance and play an important role in predicting default as well as …
Persistent link: https://www.econbiz.de/10013055100
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Key Determinants of Demand, Credit Underwriting, and Performance on Government-Insured Mortgage Loans in Russia
Lozinskaia, Agata - 2016
This research analyses the process of lending from Russian state-owned mortgage provider. Two-level lending and … insurance of mortgage system lead to substantially higher default rates for insured loans. This means that underwriting … incentives for regional operators of government mortgage loans perform poorly. We use loan-level data of issued mortgage by one …
Persistent link: https://www.econbiz.de/10012994797
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Access to public capital markets and bank lending
Chu, Yongqiang; Zhao, Daxuan - In: Real estate economics 52 (2024) 1, pp. 184-213
Persistent link: https://www.econbiz.de/10014470382
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Private debt in Sweden in 1900-2013 and the risk of financial crisis
Ahnland, Lars - In: Scandinavian economic history review 63 (2015) 3, pp. 302-323
Persistent link: https://www.econbiz.de/10011416828
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Modeling credit losses for multiple loan portfolios
Gapko, Petr; S̆mid, Martin - In: Finance a úvěr 69 (2019) 6, pp. 558-579
Persistent link: https://www.econbiz.de/10012303180
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Loan-to-value policy and housing finance : effects on constrained borrowers
Araujo, Douglas Kiarelly Godoy de; Barroso, João … - 2017
Persistent link: https://www.econbiz.de/10011761663
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Does CFPB oversight crimp credit?
Fuster, Andreas; Plosser, Matthew; Vickery, James - 2018
evidence that CFPB oversight significantly reduces the overall volume of mortgage lending. However, we find some evidence of …
Persistent link: https://www.econbiz.de/10011868541
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How much does racial bias affect mortgage lending? : evidence from human and algorithmic credit decisions
Bhutta, Neil; Hizmo, Aurel; Ringo, Daniel - 2024
Persistent link: https://www.econbiz.de/10014575758
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Impact of mortgage soft information in loan pricing on default prediction using machine learning
Luong, Thi Mai; Scheule, Harald; Wanzare, Nitya - In: International review of finance : the official journal … 23 (2023) 1, pp. 158-186
Persistent link: https://www.econbiz.de/10014251350
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Does the community reinvestment act (CRA) crowd out corporate lending?
Lu, Ruichang; Massa, Massimo; Qian, Wenlan; Zhang, Hong - 2024
Persistent link: https://www.econbiz.de/10015063663