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Chapter 15. How Mortgage Finance Affects the Urban Landscape
Chan, Sewin; Haughwout, Andrew; Tracy, Joseph - In: Handbook of regional and urban economics : volume 5, (pp. 987-1045). 2015
This chapter considers the structure of mortgage finance in the United States and its role in shaping patterns of … on the design features of mortgage contracts that distinguish them from other loans and that have important implications … for issues presented in the rest of the chapter. We then explain how mortgage finance interacts with public policy …
Persistent link: https://www.econbiz.de/10014025300
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House Price Expectations and Mortgage Default Decisions
Ma, Chao - 2016
If mortgage borrowers default strategically, their future house price expectations should affect their present mortgage …
Persistent link: https://www.econbiz.de/10013002369
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Pensions and housing wealth : quantitative data on market conditions for equity release schemes in the EU
Hennecke, Peter; Murro, Pierluigi; Neuberger, Doris; … - 2016
This paper examines the available data on market conditions for equity release schemes (ERS) in all EU member states to cluster Member States for subsequent extrapolation of the findings from six EU Member States (DE, IT, NL, IE, HU, and the UK) to the EU as a whole. It aggregates various...
Persistent link: https://www.econbiz.de/10011497823
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Understanding the Evolution in Mortgage Pricing Strategy : Do Neighborhood Factors Matter?
Agarwal, Sumit - 2020
This paper analyzes mortgage lenders' strategy in pricing loans intended for sale to prime market. Using the Single … socio-economic factors in most of the year cohorts. Such regional disparities in mortgage rates attenuate remarkably in the … variables reported to investors in setting mortgage rates. By contrast, the regional variations in mortgage rates become …
Persistent link: https://www.econbiz.de/10012835859
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Making Use of Home Equity : The Potential of Housing Wealth to Enhance Retirement Security
Bravo, Jorge Miguel - 2019
amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We …
Persistent link: https://www.econbiz.de/10012861296
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Making use of home equity : the potential of housing wealth to enhance retirement security
Bravo, Jorge Miguel Ventura; Ayuso, Mercedes; Holzmann, … - 2019
amount of home equity that is expected to be released over a 10-year period through regular monthly mortgage payments. We …
Persistent link: https://www.econbiz.de/10012120692
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Pensions and housing wealth : quantitative data on market conditions for equity release schemes in the EU
Hennecke, Peter; Murro, Pierluigi; Neuberger, Doris; … - 2017 - Revised version October 2017
measured by property and mortgage market indicators. Comparing overall need and feasibility index values we find that market …
Persistent link: https://www.econbiz.de/10011732626
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Risk shocks and housing markets
Dorofeenko, Viktor; Lee, Gabriel S.; Salyer, Kevin Duff - 2010
This paper analyzes the role of uncertainty in a multi-sector housing model with financial frictions. We include time varying uncertainty (i.e. risk shocks) in the technology shocks that affect housing production. The analysis demonstrates that risk shocks to the housing production sector are a...
Persistent link: https://www.econbiz.de/10009733806
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Risk shocks and housing markets
Dorofeenko, Victor; Lee, Gabriel S.; Salyer, Kevin Duff - 2010
Persistent link: https://www.econbiz.de/10008650496
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Housing wealth isn't wealth
Buiter, Willem H. - 2009
mortgage equity withdrawal. For given sequences of future after-tax labour income and interest rates, this may depress …
Persistent link: https://www.econbiz.de/10003910124