Gender Differences: Mortgage Credit Experience
نویسندگان
چکیده
منابع مشابه
Credit Spreads: Evidence from the Mortgage Market
Using micro-level data from the mortgage market, we examine yield spreads as a funnction of both credit risk and prepayment risk using a two-stage instrumental variable approach. Our results are consistent with findings in the finance literature that leverageinduced financial risk reflected in capital structure results in higher yield spreads on debt. In particular, borrowers with loan-to-value...
متن کاملBehaviorally Informed Home Mortgage Credit Regulation
Any opinions expressed are those of the author and not those of the Joint Center for Housing Studies of Harvard University or of any of the persons or organizations providing support to the Joint Center for Housing Studies.
متن کاملBehaviorally Informed Home Mortgage Credit Regulation Draft 4 / 15 / 2008
Choosing a mortgage is one of the biggest financial decisions an American consumer will make. Yet it can be a complicated one, especially in today’s environment where mortgages vary in dimensions and unique features. This complexity has raised regulatory issues. Should some features be regulated? Should product disclosure be regulated? And most basic of all, is there a rationale for regulation ...
متن کاملCredit Supply and House Prices: Evidence from Mortgage Market Segmentation∗
We show that easier access to mortgage credit significantly increases house prices by using exogenous changes in the conforming loan limit as an instrument for easier credit supply and cheaper cost of credit. We find that houses that become eligible for financing with a conforming loan show an increase in house value of 1.1 dollars per square foot (for an average price per square foot of 224 do...
متن کاملMOCCA: A Set of Instruments to Support Mortgage Credit Granting
Mortgage credit granting has to be supported by task-oriented instruments (highly interactive support tools that enable cooperative problem solving) because of increasing competition and unfriendly economic circumstances. MOCCA (mortgage controlling and consulting assistant) provides instruments for decision support, customer consultancy, and management. Most of the underlying models in MOCCA a...
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ژورنال
عنوان ژورنال: Modern Economy
سال: 2015
ISSN: 2152-7245,2152-7261
DOI: 10.4236/me.2015.69093