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Repayment capacity, debt service ratios and mortgage default : an exploration in crisis and non-crisis periods

O'Toole, Conor; Slaymaker, Rachel - 2020

In this paper, we explore the impact of current household repayment capacity on mortgage default using household-level panel data over the period 2004-2017 for Ireland. We measure repayment capacity as changes in the level of the current debtservice to income ratio to capture a direct channel...

Persistent link: https://www.econbiz.de/10012170652

Revenue-based lending for SMEs

Mazengera, Hassan - In: International journal of financial engineering 4 (2017) 2/3, pp. 1-20

Persistent link: https://www.econbiz.de/10011778280

Do financing institutions consider operating performance in estimating cost of debt?

Miah, Muhammad Shahin; Islam, Mohammad Ariful; Md … - In: Future Business Journal 9 (2023) 1, pp. 1-11

This paper examines the relationship between firm performance and cost of debt. More specifically this paper empirically shows that fund providers charge lower cost on debt for highly performing companies compared to lower performing companies. We argue that the profitable companies are more...

Persistent link: https://www.econbiz.de/10014505353

When is Mortgage Indebtedness a Financial Burden to British Households? A Dynamic Probit Approach

May, Orla; Tudela, Merxe - 2005

Since the mid-1990s the volume of secured lending to households has expanded rapidly, both in absolute terms and in relation to household incomes. This paper examines the determinants of households' ability to service this stock of secured debt. It estimates a random effects probit model for the...

Persistent link: https://www.econbiz.de/10014060307

Sovereign default triggered by inability to repay debt

Okachi, Michinao - 2019

Persistent link: https://www.econbiz.de/10013453892

Financing entrepreneurial activity in Uruguay : time to default in a public microcredit institution

Seijas Giménez, María Nela; Vivel-Búa, Milagros; … - In: Venture capital : an international journal of … 24 (2022) 2, pp. 173-201

Persistent link: https://www.econbiz.de/10013367836

Default effects of credit card minimum payments

Sakaguchi, Hiroaki; Stewart, Neil; Gathergood, John; … - In: Journal of marketing research 59 (2022) 4, pp. 775-796

Persistent link: https://www.econbiz.de/10013389210

Default costs and repayment of underwater mortgages

Brueckner, Jan K.; Conklin, James N.; Coulson, N. Edward; … - 2023

, which includes credit impairment and possible guilt, repayment of an underwater mortgage is a wealth-maximizing strategy … studies of default: the magnitude of home equity and the borrower's credit score, which captures default cost. An increase in …, the paper also generates an estimate of the magnitude of default cost, showing that it rises with borrower credit …

Persistent link: https://www.econbiz.de/10014427442

Impacts of drought on loan repayment

Breeden, Joseph L. - In: Journal of risk and financial management : JRFM 16 (2023) 2, pp. 1-14

In order to stress test loan portfolios for the impacts of climate change, historical events need to be analyzed to create templates to stress test for future events. Using the 2012 Midwestern US drought as an example, this work creates a stress-testing template for future droughts. The analysis...

Persistent link: https://www.econbiz.de/10014306201

The link between mobile telephony arrears and credit arrears

De Doncker, Helga - 2011

Persistent link: https://www.econbiz.de/10008934149