mortgage crisis, which, in contrast to the preceding housing boom, was not accompanied by a rise in homeownership rates. Using …

almost half of purchase mortgage originations were associated with investors. In part by apparently misreporting their …

Canada's mortgage insurance risk needs a better backstop fund, according to a new report released today by the C ….D. Howe Institute. In “Mortgage Insurance as a Macroprudential Tool: Dealing with the Risk of a Housing Market Crash in Canada …,” authors Thorsten V. Koeppl and James MacGee suggest an era of steadily rising house prices and high mortgage debt warrants …

of macroprudential instruments addressing mortgage credit. The model compares the introduction of a loan-to-value ratio …

conditions required by the banking system to grant a mortgage. The authors find that easier access to credit inflates housing …

This paper investigates the housing and mortgage markets by means of an agent-based macroeconomic model of a credit … households’ creditworthiness conditions required by banks in order to grant a mortgage. Results show that easier access to credit …

The global financial crisis heralded a new era of macroprudential mortgage regulations such as loan-to-value and loan …-time buyers. In this paper, we examine the introduction of a direct public mortgage, the Rebuilding Ireland Home Loan, which aims … regulatory framework. The scheme enables these lower to middle-income borrowers to access mortgage credit and thus directly …