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Pricing FHA Mortgage Default Insurance [PDF]

open access: yes, 1984
The fair premia on FHA mortgage default insurance contracts are computed under alternative assumptions regarding the expected house price inflation rate and its variance and homeowner's default costs. The contracts considered vary by amortization schedule (15 and 30 year level-payment mortgages and two graduated-payment mortgages) and initial loan-to ...
Donald Cunningham, Patric Hendershott
core   +4 more sources

Mortgage Insurance Adoption in the Netherlands [PDF]

open access: yesReal Estate Economics, 2016
AbstractIndividuals tend to underinsure on low probability, high consequence risks. Using a survey data set from a unique institutional context, we provide an assessment of the underinsurance puzzle by studying mortgage insurance adoption among Dutch homeowners.
Cox, R., Zwinkels, R.C.J.
openaire   +3 more sources

MORTGAGE INSURANCE AS A TOOL TO MAKE MORTGAGES MORE AFFORDABLE

open access: yesФинансы: теория и практика, 2017
Nowadays, it is impossible to take out a mortgage without Private Mortgage Insurance. However, it is not obligatory for the borrower to insure against all the risks suggested by the bank.
G. T. Daraseliya
doaj   +1 more source

Insurance and climate risks: Policy lessons from three bounding scenarios. [PDF]

open access: yesProc Natl Acad Sci U S A
Climate change poses complex risks without precedent that challenge established planning and risk management tools, including property insurance. The nature and timing of transitions in markets and institutions in response to growing climate risks will ...
Kousky C, Treuer G, Mach KJ.
europepmc   +2 more sources

Mortgage Protection Policy: New Tools for Impawn [PDF]

open access: yesپژوهش‌نامه حقوق اسلامی, 2020
The ineffectiveness of the mortgage regime in our country has led legalwriters to introduce alternatives instead of mortgage so that the failure of themortgage regime partially to be less. One of these methods that still is notprevalent in our country is
Seyedali Khazai   +2 more
doaj   +1 more source

Improving the Effectiveness and Demand for Educational Programs in Financial Technologies [PDF]

open access: yesSHS Web of Conferences, 2020
The research purpose is to develop proposals for improving the quality of education in the field of innovative financial technologies.Methods. The following methods were used in the research: theoretical methods, including review and analytical study ...
Tsyganov Alexander A.   +4 more
doaj   +1 more source

Encumbrance of Mortgage Rights on Uncertified Land

open access: yesSociological Jurisprudence Journal, 2022
In the General Explanation of Mortgage Law (UUHT) it is stated that there are two absolute elements of land rights that can be used as mortgage objects, one of which is that the right in accordance with applicable provisions shall be registered at the ...
Gautam Kumar Jha   +2 more
doaj   +1 more source

Analyzing Characteristics and Implications of the Mortgage Default of Agricultural Land Management Rights in Recent China Based on 724 Court Decisions

open access: yesLand, 2021
The transfer of rural land contractual management rights belongs to the recessive transition of land use. The mortgage of rural land management rights is a way of rural land circulation, and has an important impact on the transformation of land use ...
Hongguang Zheng, Zhanbin Zhang
doaj   +1 more source

Loan to Value Caps and Government-Backed Mortgage Insurance: Loan-Level Evidence from Dutch Residential Mortgages

open access: yesThe Economist, 2020
Using loan level data on mortgage loans originated by Dutch banks during 1996 to 2015, we analyse the determinants of the incidence of non-performance. We find that both the originating loan-to-value ratio (OLTV) and the debt-service-to-income ratio are ...
L. D. de Haan, M. Mastrogiacomo
semanticscholar   +1 more source

The Great De-Mortgaging: the Retreat of Life Insurances From Housing Finance in US-German Historical Perspective

open access: yesJahrbuch für Wirtschaftsgeschichte, 2022
Recent research in economic history has found that mortgage debt in relation to GDP has taken off in the historical long run (“great mortgaging”), as growing banking assets have been redirected into mortgage credit.
Kohl Sebastian
doaj   +1 more source

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