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Investigation whether the German credit financial market is promising for consulting fees as an alternative to traditional commission banking.

Behrens, Alexandra Antonia - 2010

M.S.

Persistent link: https://www.econbiz.de/10009429623

The long-run effects of the 1930s redlining maps on children

Aaronson, Daniel; Mazumder, Bhashkar; Hartley, Daniel; … - 2022

We estimate the long-run effects of the 1930s Home Owners Loan Corporation (HOLC) redlining maps by linking children in the full count 1940 Census to 1) the universe of IRS tax data in 1974 and 1979 and 2) the long form 2000 Census. We use two identification strategies to estimate the potential...

Persistent link: https://www.econbiz.de/10013364534

Household debt and social interactions

Georgarakos, Dimitris; Haliassos, Michael; Pasini, Giacomo - 2012

Debt-induced crises, including the subprime, are usually attributed exclusively to supply-side factors. We examine the role of social influences on debt culture, emanating from perceived average income of peers. Utilizing unique information from a household survey representative of the Dutch...

Persistent link: https://www.econbiz.de/10010311792

Reversion to the Racial Mean and Mortgate Discrimination

Sanandaji, Tino - 2009

Studies of mortgage approvals find that minority borrowers are more likely to be denied loans, even when background variables such as current-year income are held constant. This article demonstrates that relying on current year income when comparing racial outcomes leads to an overestimation of...

Persistent link: https://www.econbiz.de/10010320339

Labour market praticipation and mortage related borrowing constraints

Bottazzi, Renata - 2004

This paper analyses the relationship between female labour market participation and mortgage commitments in life-cycle set up. In particular it examines whether a mortgage qualification constraint has any effect on female labour market participation. This is done by conditioning on the mortgage...

Persistent link: https://www.econbiz.de/10010293082

Government Sponsored Enterprises and Resource Allocation: With Some Implications for Urban Economies

Van Order, Robert - 2007

-sponsored enterprises (GSEs): Fannie Mae and Freddie Mac, and a government owned enterprise, Ginnie Mae, that buy mortgages and securitize … them and sell the securities or debt backed by mortgages (or mortgage-backed securities) in the bond markets. The purpose … mortgages. …

Persistent link: https://www.econbiz.de/10009477497

The Performance of Low Income and Minority Mortgages

Van Order, Robert - 2007

This paper analyzes the performance of low income and minority mortgages (LIMMs) from a large sample of fixed rate … conventional conforming mortgages. We test the extent to which exercise of prepayment and default options differ across groups. In …

Persistent link: https://www.econbiz.de/10009477498

Tortoise Wins Again

Rittiner, David - 1987

Homeowners who pay off their mortgages faster than required in order to minimize interest expenses may not be …

Persistent link: https://www.econbiz.de/10009480688

The Impact of Local Predatory Lending Laws on the Flow of Subprime Credit

Ho, Giang; Pennington-Cross, Anthony - 2006

Local authorities in North Carolina, and subsequently in at least 23 other states, have enacted laws intending to reduce predatory and abusive lending. While there is substantial variation in the laws, they typically extend the coverage of the Federal Home Ownership and Equity Protection Act...

Persistent link: https://www.econbiz.de/10009484537

House Prices, Second Mortgages and Household Savings; An Empirical Investigation for the Netherlands, 1987-1994

Rouwendal, Jan; Alessie, Rob - 2002

paper we study the effect of this developmenton the demand for second mortgages and on the savings of Dutch households. We … investigatethe effect of house prices on (i) the number and size of second mortgages, (ii) the savingsof owner-occupiers and (iii … for second mortgages.Savings of homeowners decrease when house prices accelerate. We find no evidence that inc …

Persistent link: https://www.econbiz.de/10010325002