Results 131 to 140 of about 37,947 (265)
Organization of internal audit mortgage transactions in subjects of its implementation
Проблеми теорії та методології бухгалтерського обліку, контролю і аналізу, 2016 The article determines that the system of internal audit provides management personnel with reliable information for effective management of borrowed funds on the security (in a mortgagor) and financial activities of a mortgagee.
I.M. Vygivska, O.S. Gritsak
doaj
What have we learned about mortgage default? [PDF]
By the end of 2009, one out of every 11 mortgages was seriously delinquent or in foreclosure. Economists have devoted considerable energy over the past several years to understanding the underlying causes of this increase in defaults.
Ronel Elul
core
Journal of Accounting Research, EarlyView.ABSTRACT This study examines the spillover effect of bank financial misconduct on the uninsured deposits of peer banks within local markets. We first validate that misconduct banks experience an increase in deposit spreads and a corresponding outflow of deposits following the misconduct. We then show local peer banks exhibit divergent deposit responses,
Ya Kang, Yupeng Lin, Yang Qiu
wiley +1 more source
VALUING AGRICULTURAL MORTGAGE-BACKED SECURITIES
A model to value Federal Agricultural Mortgage Corporation (Farmer Mac) agricultural mortgage-backed securities (AMBS) is developed and numerically solved.
Stokes, Jeffrey R., Brinch, Brian M.
core
Bankruptcy exemptions, credit history, and the mortgage market. [PDF]
We develop and test a model of mortgage underwriting, with particular reference to the role of credit bureau scores. In our model scores are used in a standardized fashion, which reflects the prevalence of automated underwriting in industry practice.
Souphala Chomsisengphet, Ronel Elul
core
Dutch dilemma: Housing prices and flood risk exposure
Real Estate Economics, EarlyView.Abstract This article studies the impact of flood risk exposure on housing prices in a major river delta. Analyzing 1.8 million property transactions from 1998 to 2023 in the Netherlands, we find an average price discount of 1.1%. We observe considerable heterogeneity in price effects driven by exposure intensity, institutional settings that vary ...
Piet Eichholtz +2 more
wiley +1 more source
Did Bankruptcy Reform Cause Mortgage Default to Rise? [PDF]
This paper argues that the U.S. bankruptcy reform of 2005 played an important role in the mortgage crisis and the current recession. When debtors file for bankruptcy, credit card debt and other types of debt are discharged—thus loosening debtors’ budget ...
Ning Zhu, Wenli Li, Michelle J. White
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Misconduct complaints and agents’ incentives: Evidence from housing transactions
Real Estate Economics, EarlyView.Abstract This article investigates the impact of misconduct complaints against agents on their self‐interested incentives and examines how agents attempt to shield themselves from the associated adverse effects on their reputations and career prospects.
Lawrence Kryzanowski, Yanting Wu
wiley +1 more source
Government response to home mortgage distress: lessons from the Great Depression [PDF]
The Great Depression was the worst macroeconomic collapse in U.S. history. Sharp declines in household income and real estate values resulted in soaring mortgage delinquency rates.
David C. Wheelock
core
Hurricane‐induced risk contagion in commercial real estate: Evidence from Hurricane Sandy
Real Estate Economics, EarlyView.Abstract This study examines how hurricane‐induced destruction affects the prices of nearby undamaged commercial real estate properties, using Hurricane Sandy as a natural experiment. Using Real Capital Analytics transaction records spatially merged with Federal Emergency Management Agency building‐level damage data, we empirically employ a difference ...
Lu Fang +3 more
wiley +1 more source