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Journal of Economics, Finance and Accounting Studies
Climate-related hazards are increasingly transmitted into household balance sheets through the availability, affordability, and design of homeowners insurance.
A. Fahim +3 more
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Climate-related hazards are increasingly transmitted into household balance sheets through the availability, affordability, and design of homeowners insurance.
A. Fahim +3 more
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Pricing Private Mortgage Insurance
Real Estate Economics, 1982Issues involved in an evaluation of the price of private mortgage insurance are discussed. Cost considerations are emphasized as long‐run equilibrium competitive market prices equal long‐run marginal and average cost. An empirical evaluation of current insurance premiums vis‐a‐vis competitive market norms requires more empirical information on the ...
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Mortgage Guaranty Insurance: A Unique Style of Insurance
The Journal of Risk and Insurance, 1986This study refers specifically to a 1981 Wyoming Supreme Court case involving the rates charged in Wyoming by private mortgage loan guarantee insurers. The Commissioner of Insurance for the State of Wyoming (Appellee) had denied the premium rate schedules filed by MGIC, Verex and several other private mortgage insurers because of their low historical ...
Ronald W. Spahr, Edmond L. Escolas
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Rationales of Mortgage Insurance Premium Structures [PDF]
Journal of Real Estate Research, 1997 This study examines the rationales for the design of mortgage insurance premium structures. The actuarially sound premium prices of several widely used structures are formally derived.
Barry Dennis, Chionglong Kuo, Tyler Yang
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Losses on Dutch residential mortgage insurances
Journal of European Real Estate Research, 2014Purpose– This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were “under water”: selling the property will not cover the outstanding mortgage debt.
Francke, M.K., Schilder, F.P.W.
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Mortgage Lending Risks Insurance
Accounting and Finance, 2012The specifics of the development of the land mortgage lending in agrarian sector have been examined. The factors and sources of financial risks occurring in the process of the bank mortgage lending have been analyzed. The range of problems concerning financial support of agricultural production has been covered.
Olena Hudz, Petro Stetsyuk
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The Case for Mortgage Rate Insurance: Comment
Journal of Money, Credit and Banking, 1975Recent large outflows from thrift institutions and concurrent sharp declines in residential housing starts have intensif1ed the search for eff1cient ways of protecting both the solvency of thrift institutions and the flow of funds into the mortgage market.
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A Simple Model of Mortgage Insurance
Real Estate Economics, 1985This paper uses a two‐period model to analyze the borrower's choice of an optimal time pattern of mortgage payments in a world where future house values are uncertain. Since a decline in values can make the borrower's equity negative, leading to default on the mortgage, lenders in the model will require the purchase of mortgage insurance.
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VALUE AND YIELD RISK ON OUTSTANDING INSURED RESIDENTIAL MORTGAGES
The Journal of Finance, 1977THIS PAPER PRESENTS an analytically rigorous method for estimating the value of an outstanding residential mortgage and for determining the error between this correct method of determining value and conventional or "rule-of-thumb" methods. It also develops a procedure for determining the likely error in the correctly estimated value associated with ...
Curley, Anthony J, Guttentag, Jack M
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Perspectives on Mortgage Default Insurance
1987Mortgage default insurance differs from most of the other types of insurance underwritten by insurance companies. In particular, the risk units covered by a mortgage insurer are often highly correlated since some of the determinants of default are related to either economy-wide or regional factors.
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