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The determinants of households' repayment difficulties on mortgage loans : evidence from Italian microdata

Aristei, David; Gallo, Manuela - In: International journal of consumer studies 40 (2016) 4, pp. 453-465

Persistent link: https://www.econbiz.de/10011593334

Systematic mistakes in the mortgage market and lack of financial sophistication

Agarwal, Sumit; Ben-David, Itzhak; Yao, Wenxiong - 2016

borrower types and provides better pricing. We test the effectiveness of a specific set of contracts in the mortgage market …: mortgage points. Points allow borrowers to exchange an upfront amount for a decrease in the mortgage rate. We document that, on … overestimate how long they will stay with the mortgage …

Persistent link: https://www.econbiz.de/10011962222

Housing, housing finance and credit risk

Canepa, Alessandra; Khaled, Fawaz - In: International Journal of Financial Studies : open … 6 (2018) 2, pp. 1-23

This paper investigates the determinants of credit risk from a broad perspective. Particular attention is given to the role of housing affordability and household indebtedness. However, the impact of credit market developments and regulations is also closely examined. Using a large panel of...

Persistent link: https://www.econbiz.de/10011883262

A multidimensional approach to urban entrepreneurialism, financialization, and gentrification in the high-rise residential market of inner Santiago, Chile

López-Morales, Ernesto - In: Risking capitalism, (pp. 79-105). 2016

Persistent link: https://www.econbiz.de/10011578171

Was the expansion of housing credit in Japan good or bad?

Horioka, Charles; Niimi, Yoko - 2020

This paper shows, using data from the Family Income and Expenditure Survey, that housing credit has become increasingly available over time in Japan, especially since 2000, and that this has made it easier for Japanese households to purchase housing and enabled them to do so at an earlier age....

Persistent link: https://www.econbiz.de/10012195362

Household debt and aging in Japan

Horioka, Charles; Niimi, Yoko - 2019

In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a head in the 50-59 age group) in Japan do not...

Persistent link: https://www.econbiz.de/10012121910