Results 101 to 110 of about 102,060 (285)
Mortgage Lending for Slum Clearance
Procedia Engineering, 2015 AbstractThe paper investigates into allocation of treasury funds when major repairs are being funded. Slum clearance is part of major repairs costs. It is shown that mortgage lending can be used to reduce loading on treasury funds and make slum clearance quicker. The world experience in mortgage lending improvement is studied.
openaire +1 more source
A Structural Model of Mortgage Offset Accounts in the Australian Housing Market*
Economic Record, EarlyView.I study a novel institutional feature of Australian housing markets: the widespread use of mortgage offset accounts. These accounts reduce mortgage interest costs and increase mortgage liquidity. I build a heterogeneous agent life‐cycle model of the Australian housing market to study who uses and benefits from these mortgage products.
James Graham
wiley +1 more source
Regulatory Q&A discusses a variety of topics including payday lending, notifications regarding private mortgage insurance (PMI), individual development accounts (IDAs), and other issues.Regulation Z: Truth in Lending ; Regulation C: Home Mortgage ...
Carol Lewis
core
Exemption or illusion? The impact of a youth tax policy on house asking prices in Portugal
Real Estate Economics, EarlyView.Abstract Affordable housing has become an increasing challenge for young individuals in Portugal, where rising house prices and precarious employment conditions hinder homeownership. To address this barrier, the Portuguese Government introduced a tax exemption for individuals under 35 purchasing their first home.
Luís Clemente‐Casinhas, Sofia Vale
wiley +1 more source
FinTechThis study examines racial and ethnic disparities in mortgage-lending outcomes across different lender types—large banks, fintech lenders, non-bank lenders, small banks, and credit unions—using Home Mortgage Disclosure Act (HMDA) data from 2018 to 2023 ...
Zilong Liu, Hongyan Liang
doaj +1 more source
The role of specialized lenders in extending mortgages to lower-income and minority homebuyers [PDF]
Home-purchase lending to lower-income and minority households and neighborhoods has expanded significantly and at a faster rate than lending to other borrowers in recent years.
Elizabeth Laderman +2 more
core
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
What determines banks’ customer choice? Evidence from transition countries [PDF]
This paper explores how bank characteristics and the institutional environment influence the composition of banks’ loan portfolios. Using a new data set based on the recent EBRD Banking Environment and Performance Survey (BEPS), which was conducted in ...
De Haas, Ralph +2 more
core +1 more source
SUBPRIME MORTGAGES AND LENDING BUBBLES
Buletin Ekonomi Moneter dan Perbankan, 2018 We consider a model with two types of households; the poor with no initial endowment and the rich with positive endowment; and two types of assets; properties in a poor area and properties in a rich area. In the model, poor agents need credit to buy an asset whereas the rich can draw from their endowment.
openaire +2 more sources
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