Relevant bibliographies by topics / Additional income on mortgages

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  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Additional income on mortgages'

Author: Grafiati
Published: 2 June 2025
Last updated: 31 July 2025

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Journal articles on the topic "Additional income on mortgages"

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Kuebler, Meghan. "Lending in the Modern Era: Does Racial Composition of Neighborhoods Matter When Individuals Seek Home Financing? A Pilot Study in New England." City & Community 11, no. 1 (2012): 31–50. http://dx.doi.org/10.1111/j.1540-6040.2011.01391.x.

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This article explores the relationship between racial composition of neighborhoods and approval and origination of mortgages. It measures independent neighborhood effects, above and beyond applicant race effects preceding the recent housing market crisis for rental and owner–occupied homes. Mortgage applications are selected from the dozen most populated metropolitan areas in New England. Applications are linked to corresponding neighborhood data and generalized linear mixed modeling is applied. Data include prehousing market crash Housing Mortgage Disclosure Act data matched to American Commu
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Polishchuk, Natalia, Nadia Golda, and Angelina Yuzdepska. "Mortgage lending as a long-term form of investment." Galician economic journal 94, no. 3 (2025): 102–10. https://doi.org/10.33108/galicianvisnyk_tntu2025.03.102.

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The article examines the state of mortgage lending in Ukraine, the features of its development, and the analysis of the main trends in the mortgage market. The issuance of new mortgages in 2021–2024 takes into account, in particular, changes in the distribution of the primary and secondary real estate markets. The main factors influencing the amounts of mortgage loans are highlighted, including macroeconomic conditions, interest rates, government support, and changes in the preferences of home buyers. It is proven that thanks to mortgages, banks have the opportunity to invest in real estate, w
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Lorenzo, Giovanna Di, and Massimiliano Politano. "The Covid-19 Effect on Security Mortgage Valuation." Journal of Statistics: Advances in Theory and Applications 25, no. 1 (2021): 13–26. http://dx.doi.org/10.18642/jsata_7100122193.

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The reverse mortgage market has been expanding rapidly in developed economies in recent years. Reverse mortgages provide an alternative source of funding for retirement income and health care costs. We often hear the phrase “house rich and cash poor” to refer the increasing number of elderly persons who hold a substantial proportion of their assets in home equity. Reverse mortgage contracts involve a range of risks from the insurer’s perspective. When the outstanding balance exceeds the housing value before the loan is settled, the insurer suffers an exposure to crossover risk induced by three
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Ramli, Suraya Fadilah, Zahrul Azmir ABSL Kamarul Adzhar, and Norkhairunnisa Mohamed Redzwan. "Reverse Mortgage as an Alternative for Additional Retirement Income in Malaysia." Advanced Science Letters 24, no. 12 (2018): 9345–48. http://dx.doi.org/10.1166/asl.2018.12270.

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Zbrojewski, Piotr. "Prospects for the Development of Equity Release Products in Poland – Reverse Mortgage from a Cultural Perspective." Real Estate Management and Valuation 21, no. 2 (2013): 5–12. http://dx.doi.org/10.2478/remav-2013-0011.

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Abstract At the time of crisis, which involves state funded benefits as well as an increase in public debt, the members of the European Union are forced to consolidate their budgetary expenses. The social cost, however, is extremely high, as the general public is unwilling to accept it. Demographic experts predict a decrease in the amount of people at an economically productive age, not to mention the continuously growing life expectancy. This fact will have serious economic consequences in Poland. That is why the pension system reform was initiated. The inevitable cuts in spending on welfare
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De Stefani, Alessia. "Missing Home-Buyers and Rent Inflation." IMF Working Papers 2025, no. 090 (2025): 1. https://doi.org/10.5089/9798229008044.001.

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I study how monetary policy interacts with mortgage underwriting standards in shaping tenure decisions and rental market equilibria. Using property-level data from the American Housing Survey, I show that the increase in mortgage rates between 2021 and 2023 pushed many potential first-time home-buyers above FHA mortgage payment-to-income limits, restricting their access to home-ownership. This resulted in additional demand pressure on local rental markets, contributing to rent price inflation in 2023. Rentals located in cities with larger shares of constrained first-time buyers experienced ste
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Desai, Chintal Ajitbhai. "Mortgage credit and bankruptcy chapter choice: a case of US counties." Managerial Finance 42, no. 7 (2016): 680–705. http://dx.doi.org/10.1108/mf-05-2015-0155.

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Purpose – A financially distressed homeowner considers bankruptcy filing, either Chapter 7 or Chapter 13, to delay foreclosure. On one hand, Chapter 13 filing takes longer processing time, spreads mortgage arrearages over the debt repayment period, and increases the possibility of loan modification. On the other hand, Chapter 7 filing discharges unsecured debt, which provides additional disposable income for mortgage payments. The paper aims to discuss these issues. Design/methodology/approach – The author uses fixed-effects (within variation), random-effects, and generalized estimation equati
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Prokopowicz, Dariusz. "IMPROVING MANAGING THE CREDIT RISK IN CONDITIONS SLOWING ECONOMIC GROWTH." International Journal of New Economics and Social Sciences 1, no. 1 (2015): 17–29. http://dx.doi.org/10.5604/01.3001.0010.3753.

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The recent financial crisis in 2008 has made a significant contribution to the growing importance of the analysis of processes of credit risk management and forced to take measures to improve the process. Sources of the financial crisis is now largely associated with the activities of mainly US investment banks that sold derivatives on the basis of income from high-risk mortgages. Increased risk recorded in the banking business, as a rule, also a derivative of the economic downturn in the sectors of bank customers, including non-financial business entities. In such a situation, banks are limit
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APERGIS, Nicholas, and Beatrice D. SIMO-KENGNE. "THE DYNAMIC RELATIONSHIP BETWEEN HOUSE PRICES AND OUTPUT: EVIDENCE FROM US METROPOLITAN AREAS." International Journal of Strategic Property Management 19, no. 4 (2015): 336–45. http://dx.doi.org/10.3846/1648715x.2015.1072857.

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This paper investigates the long-run and short-term dynamics of 351 US metropolitan statistical area housing prices in relation to personal income. We apply a panel cointegration approach on annual data from 1993 to 2011 and find a long-run relationship between local house prices and per capita personal income. The causal direction is then assessed based on an autoregressive distributed lag specification that also accommodates for error-correction. Results from Granger-causality tests reveal the existence of a bi-directional causality between real house prices and real per capita personal inco
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Mohammed, Mohammed Ishaq, and Noralfishah Sulaiman. "Determinants of Reverse Mortgage Usage in Malaysia." Real Estate Management and Valuation 26, no. 3 (2018): 5–23. http://dx.doi.org/10.2478/remav-2018-0021.

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Abstract This study aims to identify the factors that influence a household’s willingness to use reverse mortgage as a source of supplementary income in old age by adopting the original Theory of Planned Behavior (TPB) and extending it with three other additional constructs. Using a convenience sampling technique, a total of 391 valid questionnaires were used for data analysis. The data analysis was conducted using the SmartPLS software, version 3.2.6. The results suggest that the sense of attachment to a place, attitude, motive of bequest, social influence and perceived ability positively inf
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Dissertations / Theses on the topic "Additional income on mortgages"

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Barrett, Kevin Stanton. "Charitable giving and federal income tax policy : additional evidence based on panel-data elasticity estimates /." Diss., This resource online, 1991. http://scholar.lib.vt.edu/theses/available/etd-07282008-135657/.

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Daifotis, Nicholas Kimon. "An Empirical Study of Marginal Value Obtained Through Additional Years of College in Professional Basketball Players." Scholarship @ Claremont, 2017. http://scholarship.claremont.edu/cmc_theses/1479.

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The NBA instituted a new policy in 2006 mandating that players wait one year after graduating high school before declaring themselves eligible for the NBA draft. Since the rule’s creation, there has been constant debate over whether this policy is beneficial for the players. One side argues the extra year of school allows players to further mature and develop prior to signing a professional contract, while the counterargument claims the extra year is a waste of time and resources for a player who will enter the draft within a year anyways. The intent of this paper is to ascertain which factors
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Ortiz, Dennis S. "The Home Mortgage Interest Deduction for Federal Income Tax: A Federalist Perspective." Thesis, University of North Texas, 2000. https://digital.library.unt.edu/ark:/67531/metadc2615/.

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The debate over federal income tax treatment of home mortgage interest (HMI) has largely overlooked an important, and possibly unintended political and economic consequence of our federal income tax system. The distribution of the for home mortgage interest deduction tax benefit across states is a possible missing consideration. Specifically, this study offers a federalist1 perspective on the federal income tax benefit from the deduction for HMI - one of the largest personal federal tax expenditures on the books. This dissertation analyzes current national political rhetoric from a federalist
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Nordlund, Alexander, and Niklas Ålander. "Forecast Modelling of Future Events that Affect the Repayment Capacity of Mortgages." Thesis, KTH, Hälsoinformatik och logistik, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-252808.

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The Swedish Financial Supervisory Authority introduced new guidelines and regulations on March 1, 2019. These regulations induced Swedish banks and other creditors to consider future events as a mean to improve their ability to determine the risk of debtors. A forecast generator was created as a tool to accomplish this. The constraints of this thesis limited the forecast generator to mortgages with four parameters: loss of income, pension, foreign currency and depreciation. The forecast generator was created by combining components of Vitec Capitex's existing mortgage calculator as well as by
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Lindblom, Josepha. "Extra ersättningar vid föräldraledighet : Dess inverkan på föräldraledighetslängden vid olika inkomster och kön." Thesis, Stockholm University, Stockholm University, Stockholm University, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:su:diva-28845.

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<p>Mothers and fathers in Sweden receive an earnings-related benefit of 80 percent of their income when they take parental leave. There exists a ceiling in the allowance though, meaning that some people with high earnings don’t receive fully 80 percent of their ordinary salary. The length of the parental leave varies between women and men and also among men and women. Various reasons are used to explain this; one of them is economical. This study investigates the economics reasons further by studying how additional compensations from the employer affect the length of the parental leave. The em
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Changwony, Frederick Kibon. "Three essays in household finance." Thesis, University of Stirling, 2013. http://hdl.handle.net/1893/20407.

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This thesis explores the impact of two behavioural finance concepts, social psychology and psychology, on household financial decisions. Under social psychology, I investigate whether the variety and intensity of social engagement enhances stock market participation. With regard to psychology, I examine two behavioural biases. First, I investigate whether mental accounting influences portfolio choice in three asset classes and whether financial advice and housing tenure increase (decrease) the effects of mental accounts on portfolio choice. Second, I examine whether households’ self-reported h
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Martins, Teresa Mariana Cardeira. "Reverse mortgage em Portugal: uma opção viável?" Master's thesis, 2011. http://hdl.handle.net/10071/4334.

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O trabalho que se apresenta incide sobre um produto que não existe no nosso país mas que tem vindo a crescer e a desenvolver-se em diversos países. Falamos do Reverse Mortgage um produto que não é mais do que um contrato financeiro que permite ao mutuário obter uma renda através do seu imóvel sem que haja necessidade de se desfazer do mesmo. Este contrato é orientado para pessoas de idade avançada permitindo-lhes aumentar o rendimento disponível. Fazendo uma análise da nossa população verificamos que o fenómeno do envelhecimento é uma realidade no nosso país, bem como a incerteza quanto
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Huang, Fu-Chun, and 黃富村. "The Study of Distribution, Additional 10﹪Surtax, and Tax Effect under the Integration of Income Tax System." Thesis, 2001. http://ndltd.ncl.edu.tw/handle/57994149795107227579.

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碩士<br>中原大學<br>會計研究所<br>89<br>The Integration of Income Tax System has been carried out since 1998. Meanwhile , many professional accountants , scholars and investors criticize it has become very complex and hard pressed to fully comprehend ; especially in distribution of Imputation Credit Account and Retained earnings additional 10% surtax that have deeply changed in Accounting work and tax declare on enterprises. In order to create a good taxation environment for both tax personnel and the tax payers, to make computation of tax creditable ratio and Retained earnings additional 10% surtax simp
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Goldswain, George Kenneth. "Remission of penalties in income tax matters." Diss., 2003. http://hdl.handle.net/10500/2104.

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The additional tax ("penalties") imposable in terms of section 76(1) of the Income Tax Act (No 58 of 1962) when a taxpayer is in default, can be very harsh (up to 200% of the tax properly chargeable). The Commissioner may, in terms of section 76(2)(a), remit any penalty imposed, as he sees fit. However, when there was intent on the part of the taxpayer to evade the payment of tax, the Commissioner may not remit any portion of the 200% penalty imposable, unless he is of the opinion that "extenuating circumstances" exist. This dissertation examines the meaning of "extenuating circumstances
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Moosa, R. "Medical tax benefits to South African taxpayers : an overview." Diss., 2017. http://hdl.handle.net/10500/23734.

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This study presents an overview of the medical expenditure allowed to taxpayers in the South African Income Tax Act, 58 of 1962 (hereafter the “Income Tax Act”). The study traces the changes made to the allowed expenditure over time. Changes made to the Income Tax Act, illustrating the effect of qualifying medical expenses on the income of persons with disabilities in terms of the Income Tax Act, are described. Certain provisions of the Income Tax Act, as well as other legislation dealing with persons with disabilities, were analysed. Furthermore, the research shows the effect of moderate to s
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Books on the topic "Additional income on mortgages"

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Cracknell, Richard. Income Support and help with mortgages. House of Commons Library, 1995.

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Levinton, Howard. Real estate mortgages. Tax Management, 1991.

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Stevenson, Eric. The secondary market and securitization for income property mortgages. Mortgage Bankers Association, 1986.

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Kraemer, Tammy. The complete guide to reverse mortgages. Adams Media, 2007.

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Service, United States Internal Revenue. New rules for home mortgage interest deduction. Dept. of the Treasury, Internal Revenue Service, 1987.

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United States. Internal Revenue Service. Limits on home mortgage interest deduction. Dept. of the Treasury, Internal Revenue Service, 1990.

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United States. Internal Revenue Service. Limits on home mortgage interest deduction. Dept. of the Treasury, Internal Revenue Service, 1989.

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United States. Congress. House. Committee on Ways and Means. 1989 reconciliation: Additional items. Joint Committee on Taxation, 1989.

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Office, General Accounting. Tax policy: Additional petroleum production tax incentives are of questionable merit : report to the Chairman, Subcommittee on Energy and Power, Committee on Energy and Commerce, House of Representatives. The Office, 1990.

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1909-, Bridewell David A., and Nauts Charles 1930-, eds. Reverse mortgages: A lawyer's guide to housing and income alternatives. Senior Lawyers Division, American Bar Association, 1997.

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Book chapters on the topic "Additional income on mortgages"

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Bloomfield, Micah. "U.S. Federal Income Tax Aspects of Reverse Mortgages." In Reverse Mortgages and Linked Securities. John Wiley & Sons, Inc., 2011. http://dx.doi.org/10.1002/9781118266458.ch9.

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de la Fuente, Iván, Eliseo Navarro, and Gregorio Serna. "Estimating the No-Negative-Equity Guarantee in Reverse Mortgages: International Sensitivity Analysis." In New Methods in Fixed Income Modeling. Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-319-95285-7_13.

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Lee, Po-Chang, Mei-Hsin Chen, Shu-Ching Chiang, and Yu-Pin Chang. "Income Strategy." In Digital Health Care in Taiwan. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-031-05160-9_2.

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AbstractThe National Health Insurance (NHI) is compulsory and provides universal health coverage to all citizens of Taiwan and those who have had a registered domicile, as well as foreigners holding alien residence certificates in Taiwan for 6 months. The right of the insured to access medical care is protected, whether they suffer from illness, injury or require reproductive care. This chapter introduces the financial structure of the NHI, enrolment eligibility and how the premiums are calculated for different insured groups and their insured units. The collection of supplementary premiums, w
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Fragkos, Panagiotis, Eleni Kanellou, George Konstantopoulos, et al. "Energy Poverty and Just Transformation in Greece." In Studies in Energy, Resource and Environmental Economics. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-35684-1_10.

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AbstractLow-income population groups often face high energy poverty risks. This phenomenon can be exacerbated through the implementation of ambitious environmental policies to achieve the energy transition—said policies, such as the application of additional taxes on energy products, may lead to regressive social and distributional impacts on low-income households thus increasing the risk of energy poverty. This study focusses on Greece and combines a qualitative analysis of the EU and Greek policy context and strategic framework for energy poverty as well as related poverty alleviation measur
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Dhakal, Anil. "Migrant Remittances and Household Food Security in Mzuzu, Malawi." In Transforming Urban Food Systems in Secondary Cities in Africa. Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-93072-1_17.

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AbstractInternational remittances are a major source of income for many low and middle-income countries. As remittances are sent directly to families and friends living at the place of origin, they have a significant impact on alleviating poverty. The literature on remittances suggests that most remittance-receiving households in urban areas use a major portion of the remitted income for food purchase–indicating a close relationship between remittances and food security. However, understanding of how remittances are related to urban food security is still limited. More specifically, what is th
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Mathieson, Peter William. "The Constant Search for New Sustainable Funding Sources for Public Universities." In International Experience in Developing the Financial Resources of Universities. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78893-3_4.

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AbstractAlthough publicly-funded universities receive financial support from governments for teaching, research and infrastructure, they require additional sources of income in order to survive and thrive, and particularly to allow innovation and strategic development. It is amongst the responsibilities of the university leadership to ensure financial viability and to seek novel sources of funding, tasks for which they are not always well-trained. In this chapter, the author draws on his experience as a university leader on two continents to illustrate the possibilities as well as some of the
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Mathieson, Peter William. "The Constant Search for New Sustainable Funding Sources for Public Universities." In International Experience in Developing the Financial Resources of Universities. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-78893-3_4.

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AbstractAlthough publicly-funded universities receive financial support from governments for teaching, research and infrastructure, they require additional sources of income in order to survive and thrive, and particularly to allow innovation and strategic development. It is amongst the responsibilities of the university leadership to ensure financial viability and to seek novel sources of funding, tasks for which they are not always well-trained. In this chapter, the author draws on his experience as a university leader on two continents to illustrate the possibilities as well as some of the
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Boadi, Sylvester Afram, Aske Skovmand Bosselmann, Kwadwo Owusu, Richard Asare, and Mette Fog Olwig. "Household Economics of Cocoa Agroforestry: Costs and Benefits." In Agroforestry as Climate Change Adaptation. Springer International Publishing, 2023. http://dx.doi.org/10.1007/978-3-031-45635-0_5.

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AbstractCurrent research suggests that cocoa agroforestry systems could offer stable yields, additional benefits and income from shade trees, despite potential added costs, such as from the purchase of insecticides. There is a paucity of profitability studies of different cocoa agroforestry systems. Only few of them go beyond a narrow focus on cocoa yields to model the entire agroforestry system and thus do not advance our understanding of the socio-economic value of other ecosystem goods. Based on survey data covering a thousand cocoa plots and group interviews with cocoa farmers, we explore
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Guzzardi, Demetrio, Elisa Palagi, Tommaso Faccio, and Andrea Roventini. "10. In Search of Lost Time." In Financing Investment in Times of High Public Debt. Open Book Publishers, 2023. http://dx.doi.org/10.11647/obp.0386.10.

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The European Union needs to raise significant resources to finance a just green transition. At the same time, there is a widespread fiscal regressivity in many EU countries. Indeed, recent empirical evidence shows that the tax systems of many EU members are characterised by low degrees of progressivity, with high-income groups paying lower effective tax rates vis-à-vis middle- and low-income classes. In order to jointly tackle such issues, we propose an ensemble of tax policies at the EU level that are grounded on recent proposals advanced in the literature. This fiscal reform includes a wealt
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Ayinde, Taiwo B., Benjamin Ahmed, and Charles F. Nicholson. "Farm-Level Impacts of Greenhouse Gas Reductions for the Predominant Production Systems in Northern Nigeria." In African Handbook of Climate Change Adaptation. Springer International Publishing, 2021. http://dx.doi.org/10.1007/978-3-030-45106-6_4.

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AbstractThis chapter summarizes the sources of greenhouse gas (GHG) emissions from different economic sectors in Nigeria and emphasizes those arising from agriculture and forestry. The impacts of climate change on agricultural systems in Nigeria are likely to be large, motivating the need for additional knowledge to assess current practices and formulate appropriate modifications for both mitigation and adaptation. Some current farming practices are believed to be adaptive, but further study would provide better assessments. We also analyzed the trade-offs between household income and GHG emis
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Conference papers on the topic "Additional income on mortgages"

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Tytko, Jakub, and Mohamed Alwaeli. "FACTORS INFLUENCING SELECTIVE WASTE COLLECTION." In 24th SGEM International Multidisciplinary Scientific GeoConference 24. STEF92 Technology, 2024. https://doi.org/10.5593/sgem2024/4.1/s18.35.

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Waste management is a current and future challenge due to the increasing volume of waste. The amount of waste generated directly correlates with production and consumption patterns. The current level of natural resource utilization exceeds the Earth's capacity for replenishment. Therefore, humanity must take action to mitigate the consequences of rampant natural resource consumption. One way to achieve this goal is to increase the level of waste recycling. However, the amount of waste actually recycled is significantly lower than the theoretical processing capacity. Understanding human behavio
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Ofiarski, Zbigniew. "Principles of Taxation of Interest Income or Discount on Covered Bonds Issued in Poland." In The XX International Scientific Conference "Functioning of Investments Financed from State Resources and from Other Sources in The Countries of Central And Eastern Europe". Temida 2, 2022. http://dx.doi.org/10.15290/ipf.2022.15.

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The rules of taxation of revenues or income from covered bonds issued in Poland may become a significant barrier to the demand for this category of debt securities and, as a result, considerably limit the capabilities of mortgage banks to grant long-term loans for investment purposes. The present study has analysed and assessed the legislation in force in Poland regarding the scope and methods of taxation of interest and discount on covered bonds as a form of revenue or income earned by their holders. The aim of the study is to present various methods of taxation of these revenues or income, d
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Covaliov, Sveatoslav. "Participating whole life insurance as a tax-sheltered investment risk-transfer strategy." In Modern finance from the perspective of sustainability of national economies. International Scientific Conference. Academy of Economic Studies, 2025. https://doi.org/10.53486/mfsne2024.27.

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Since the turn of the century, the scale of household debt increased drastically for the vast majority of OECD countries (OECD, 2024a). Household debt refers to the financial liabilities of a household that require payments to creditors at a fixed date in the future (OECD, 2024a), which primarily consists of mortgages, car and education loans, and credit card debt. For as long as an individual is able to earn income and fulfill their financial obligations to creditors, their household debt can be managed. In the event of their death however, one of the very first responsibilities of the surviv
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Siswoyo, Mukarto, Ipik Permana, Moch Sudrajat Hidayat, and Endang Sutrisno. "Government Policy on Additional Income to Civil Servants." In Proceedings of the International Symposium on Social Sciences, Education, and Humanities (ISSEH 2018). Atlantis Press, 2019. http://dx.doi.org/10.2991/isseh-18.2019.19.

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Windijarto, Falih Suaedi, Indrianawati Usman, and Rooswanti Putri. "Additional Employee Income and Performance of Public Sector in East Java, Indonesia." In 2nd International Conference Postgraduate School. SCITEPRESS - Science and Technology Publications, 2018. http://dx.doi.org/10.5220/0007537300510059.

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Yeni, Isra, Ali Anis, and Yollit Permata Sari. "The Impact of Working Mothers for Additional Household Income toward Criminality on Children." In Proceedings of the 2nd Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2018). Atlantis Press, 2019. http://dx.doi.org/10.2991/piceeba2-18.2019.125.

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Nakić, Jakob. "OBRNUTA HIPOTEKA /NOVUM ILI JOŠ JEDNA PREVARA?" In XV Majsko savetovanje: Sloboda pružanja usluga i pravna sigurnost. University of Kragujevac, Faculty of Law, 2019. http://dx.doi.org/10.46793/xvmajsko.259n.

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Even with the 1930-ies known in the Western world financial product called reverse mortgage. For seniors who do not have enough money for daily life, health and similar needs, but at the same time have valuable properties in which they live, and do not intend to sell them, meant the possibility of increasing their current income using the so-called. A reverse mortgage, which is in the world, as shown by an acceptable and increasingly popular solution. A reverse mortgage is a loan which the debtor are not effective, is not transmitted and on possible successors than this only of the mortgaged p
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Ata, Sezai. "The Macroeconomic Effects of Credit Regulations." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02075.

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In this study, the effects of macro prudential policies on consumer loans in the recent period are examined on the basis of total loan developments and credit type. The findings of the study show that macro prudential policies are quite effective in slowing down the growth rate of total credit and consumer loans for the ultimate purpose. In addition, the overall provisioning and risk weighting regimes provided banks with a modest level of capital adequacy ratios and prevented banks from growing in risky assets. The results of some loan types indicate that credit utilization, determined by chan
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Erdinal, Ichsandria. "Additional Income : Concepts and Efforts in Improving Motivation of Employment Civil Services as Step to Make Agood Governance." In International Conferences on Educational, Social Sciences and Technology. Fakultas Ilmu Pendidikan, 2018. http://dx.doi.org/10.29210/20181124.

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Bilgili, Faik, and Hayriye Hilal Bağlıtaş. "Environmental Sustainability And Agriculture." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01042.

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In the environmental sustainability concept, this paper investigates the relationship between agricultural emission and per capita income. Additional variable is agriculture sector energy consumption. Our data is related to 1990-2010 period for 22 countries which are in the Eurasian region. Firstly, dynamic OLS and full modified OLS are applied to the data. The results show that Environmental Kuznet Curve (EKC) hypothesis is valid for agricultural emission and income. Moreover, there is a co-integration relationship between agricultural emission and both income and agricultural energy consumpt
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Reports on the topic "Additional income on mortgages"

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Fajardo, Johanna, María Angélica Arbeláez, and Carolina Camacho. Low-Income Housing Finance in Colombia. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0011312.

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This paper explores the role played by policy instruments in access to housing finance by low-income households. It also analyzes the impact of housing credit and subsidies on both the quality of life and the quality of dwelling of the beneficiaries. Using the Quality of Life Surveys conducted in Colombia in 2003 and 2008, the study finds that policy instruments aimed at easing access of low-income households to affordable housing such as subsidies and loan guarantees have played a modest role in increasing the use of mortgages as a source of funding. Despite this, subsidies were found to have
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Bebczuk, Ricardo N., Ramiro Moya, and Sebastián Auguste. The Demand for Mortgages under Macro Volatility: The Argentine Case. Inter-American Development Bank, 2011. http://dx.doi.org/10.18235/0009017.

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This paper analyzes mortgage loan demand in Argentina using a new survey administered in the Buenos Aires Metropolitan Area. It finds that recurring macro volatility and violation of financial property rights have increased demand for real estate as an investment, which in turn boosts housing prices and makes it more difficult for consumer households to meet minimum income requirements for obtaining a mortgage. Affordability thus seems to offer a better explanation than standard supply side constraints for the small size of the mortgage market in Argentina. Overall, the shallow mortgage market
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Blickle, Kristian S., Evan Perry, and João A. C. Santos. Do Mortgage Lenders Respond to Flood Risk? Federal Reserve Bank of New York, 2024. http://dx.doi.org/10.59576/sr.1101.

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Using unique nationwide property-level mortgage, flood risk, and flood map data, we analyze whether lenders respond to flood risk that is not captured in FEMA flood maps. We find that lenders are less willing to originate mortgages and charge higher rates for lower LTV loans that face “un-mapped” flood risk. This effect is weaker for high income applicants, as well as non-banks and small local banks. However, we find evidence that non-banks and local banks are more likely to securitize/sell mortgages to borrowers prone to flood risk. Taken together, our results are indicative that mortgage len
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Guler, Bulent, Yasin Kürsat Önder, Mauricio Villamizar-Villegas, and Jose Villegas. Consumer Debt Moratoria. Banco de la República, 2024. http://dx.doi.org/10.32468/be.1276.

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We evaluate the effectiveness of consumer debt moratoria, one of the earliest data from Colombia, our study compares households that narrowly qualified for the moratorium (eligible up to 60 days overdue on their mortgages) against those who narrowly missed eligibility. Our analysis indicates that the moratorium policy boosts consumption among financially strained households while reducing delinquency rates on mortgages and other loans. We then develop a life-cycle incomplete market model, incorporating households subject to idiosyncratic income shocks, to examine both the general equilibrium a
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Libertun de Duren, Nora Ruth. Household Led by Women: Understanding Access to Housing Credit in Latin America and the Caribbean. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0005295.

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The share of Latin American and Caribbean households led by women is rapidly increasing, at the same time as these households are overrepresented among those living in housing deficit. In this study, we looked at whether there is a gender gap in access to housing loans, one of the main tools available to housing. In addition, we explored which are the characteristics of FHHs and to which extent they can have an impact on their access to adequate housing. This study shows how FHHs face greater housing deficits. Our findings indicate that gender gaps in other areas, most importantly in labor mar
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Márquez, Gustavo. Labor Markets and Income Support: What Did We Learn from the Crises? Inter-American Development Bank, 2000. http://dx.doi.org/10.18235/0010782.

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The adoption of emergency employment and short-term training programs to provide income support to the population affected by the episodes of economic volatility since 1995 reveals the failure of the traditional, labor law-based income support mechanisms in the region. These emergency programs are not additional and transitory, but rather have become a permanent component of social policies. As such, they present policymakers with the opportunity to build a more encompassing and better designed mechanism to protect workers against the effects of macroeconomic volatility. The paper argues for a
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Bardoscia, Marco, Adrian Carro, Marc Hinterschweiger, et al. The impact of prudential regulations on the UK housing market and economy: insights from an agent-based model. Banco de España, 2025. https://doi.org/10.53479/38913.

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We develop a macroeconomic agent-based model to study the joint impact of borrower and lender-based prudential policies on the housing and credit markets and the economy more widely. We perform three experiments: (i) an increase of total capital requirements; (ii) the introduction of a loan-to-income (LTI) cap on mortgages to owner-occupiers; and (iii) the introduction of both experiments at the same time. Our results suggest that tightening capital requirements leads to a sharp decrease in commercial and mortgage lending and housing transactions. When the LTI cap is in place, house prices fal
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Gradín, Carlos. WIID Companion (March 2021): global income distribution. UNU-WIDER, 2021. http://dx.doi.org/10.35188/unu-wider/wtn/2021-6.

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This document is part of a series of technical notes describing the compilation of a new companion database that complements the UNU-WIDER World Income Inequality Database. It aims at facilitating the analysis of inequality as well as progress in achieving the global goal of reducing inequality within and across countries. This new dataset includes an annual series reporting the income distribution at the percentile level for all citizens in the world, regardless of where they live, from 1950 to the present. The global distribution is displayed along with the country-level information used to
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Le, Trinh, and Thomas Benison. Do New Zealand home equity release schemes provide value for money? Motu Economic and Public Policy Research, 2024. http://dx.doi.org/10.29310/wp.2024.03.

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Home equity release refers to financial products that allow people to access the equity that is tied up in their own homes. Home equity is a large part of household wealth in New Zealand, making it an important asset that could potentially be used to fund retirement. However, the take-up of equity release products such as reverse mortgages is very low. This research examines whether home equity release schemes currently available in the New Zealand market provide value for money and how they might provide a suitable form of retirement income for some people. The available data confirm the exis
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Griffith, Michael, and Dion Burns. Funding student needs: A review of state funding policies for English learners and students from low-income backgrounds. Learning Policy Institute, 2025. https://doi.org/10.54300/471.440.

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From an analysis of state legislative and policy documents, this report reviews how states’ school funding programs currently address the needs of English learners and students from low-income families. We contextualize these approaches by summarizing findings from six school finance studies across several states that estimate the additional funds needed to support students from these backgrounds. We conclude with considerations for state policymakers in allocating funding to support the needs of these two student groups. While not comprehensive, this policy report allows the reader to better
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