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I show that lenders charge higher interest rates on mortgage-financed houses in areas with a higher rate of health … uninsurance premium is higher for applicants who are more likely to file for bankruptcy and for mortgage-financed houses in areas …
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This paper analyses the impact of lending standards for residential real estate (RRE) loans on default rates, using a novel loan-level dataset from the European DataWarehouse (EDW) that covers eight euro area countries. To the best of the authors' knowledge, this paper is the first to use, for...
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