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Journal articles on the topic 'Additional income on mortgages'

Author: Grafiati

Published: 2 June 2025

Last updated: 31 July 2025

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1

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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V, MANICKAVASAGAM, and SAHUL HAMEED S. "Reverse mortgage – a tool of protract the economic independence of senior citizen." Journal of Management and Science 1, no. 3 (2012): 275–80. http://dx.doi.org/10.26524/jms.2012.36.

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India, the seventh largest country in size, continues to occupy the second largest populated country after China. The aged population in India (i.e. over 60 years) that stood at 84.7 million (7.5 per cent) in 2005 is expected to rise to 141 million (10.2 per cent) by 2020 and thereafter reach 194 million (13 per cent) in 2030. Even though income levels are going up and poverty declining, it can be reasonably expected that a significant number among the aged population would be in the lowincome category. The aged population requires additional attention both from the society and from the Govern

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Buzałek, Przemysław, and Iwona Dorota Czechowska. "Effect of capital conversion in the form of a reverse mortgage on benefits for senior citizens in major cities of Poland." Finanse i Prawo Finansowe 1, no. 25 (2020): 11–27. http://dx.doi.org/10.18778/2391-6478.1.25.02.

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The aging of population is a common problem in the modern economy and finance. Reverse mortgage is one of alternative ways of raising citizens’ standard of living after retiring by obtaining financial benefits accumulated in a residential property. The aim of the study is to evaluate a role of equity release service in providing additional household income for senior citizens illustrated by the case of a reverse mortgage. This type of service consists in transformation of non-liquid, tied-up in property capital into liquid financial resources. Thanks to capital conversion, senior citizens can

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Windari Windari and Sapto Hermawan. "Overlapping Analysis of People's Housing Savings Program (Tapera) and Additional Service Benefits (MLT) According to Legal Perspective in Indonesia." International Journal of Law, Crime and Justice 1, no. 2 (2024): 231–35. http://dx.doi.org/10.62951/ijlcj.v1i2.165.

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The Public Housing Savings Program or what is known as Tapera has become a national polemic which is starting to become unsettling among the Indonesian people. The People's Housing Savings Management Agency (BP Tapera), which until now seems to only collect public funds through savings with a savings scheme that is still unclear. By looking at this problem, the author found that the Additional Service Benefits program that previously existed and could run exactly the same as the Tapera program with income tax cuts for each taxpayer, this shows that it would be more effective if there was just

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14

Gülter, Hamza, and Eyup Basti. "The housing finance system in Turkey." International Journal of Housing Markets and Analysis 7, no. 3 (2014): 363–82. http://dx.doi.org/10.1108/ijhma-01-2013-0001.

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Purpose – The purpose of this paper is to review the housing sector of Turkey and present the housing development strategies developed by government enterprises for the urban poor in Turkey as successful examples. Design/methodology/approach – The methodology of the paper is descriptive. First of all, the literature on housing finance systems and sources of housing finance are stated. Then, the paper reviews housing finance systems applied in Turkey in the past to solve housing problems. Later, it describes current housing strategy to solve housing problems of low- and middle-income groups and

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15

Vangeel, Wouter, Laurens Defau, and Lieven De Moor. "Young Households’ Diminishing Access to Homeownership Attainment in Europe." Sustainability 15, no. 8 (2023): 6906. http://dx.doi.org/10.3390/su15086906.

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This multi-country article focuses particularly on homeownership among the young. After all, relying on European Union Statistics on Income and Living Conditions (EU-SILC) data in twelve European countries, we can see that in contrast to the aggregate homeownership rate of ‘all’ households (i.e., no matter what age the households’ heads are) that has remained relatively stable, the aggregate homeownership rate of young households (with heads aged 0–35 years) has fallen substantially in Europe in recent decades. Multiple analyses and quantitative comparisons confirm the stylized fact that acqui

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Tolani, Sanjay, Ananth Rao, Genanew B. Worku, and Mohamed Osman. "System and neural network analysis of intent to buy and willingness to pay insurance premium." Managerial Finance 45, no. 1 (2019): 147–68. http://dx.doi.org/10.1108/mf-04-2018-0156.

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Purpose The purpose of this paper is to analyze significant determinants to assess the probability of insureds’ intent to buy (ITB) insurance and willingness to pay (WTP) quantum of dollars for security benefits. Design/methodology/approach The authors use the Double Hurdle Model (DHM) and Neural Network (NN) architecture to analyze the insureds’ behavior for ITB and WTP. The authors apply these frameworks to all the 503 insureds of a branch of a leading insurer in the United Arab Emirates. Findings The DHM identified age, loans & liabilities, body mass index, travel outside the UAE, salar

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Kuz’mina, E. V., and A. A. Yanin. "Economic Mechanism and Cash Flows Modeling for Reverse Mortgage." Finance: Theory and Practice 22, no. 6 (2018): 106–20. http://dx.doi.org/10.26794/2587-5671-2018-22-6-106-120.

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The research is devoted to the economic mechanism of reverse mortgage — a credit product aimed at improving the standard of living of senior citizens, owners of real estate. The idea of the reverse mortgage has been given, as well as the mechanisms of use of real estate owned by senior citizens in order to provide them with additional income. The examples of reverse mortgage in the uS, the uK, Spain and Australia have been given. The authors have also described the methods of reverse mortgage lending in Russia. Based on the analysis of international experience, the economic expediency of inves

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Ajeng Windi Astuti, Anjel Ezania Sihombing, Monalisa Lumbantobing, et al. "Analisis Pendapatan, Tingkat Inflasi Dan Harga Emas Dalam Penyaluran Kredit Rahn Pada PT Pegadaian Indonesia Tahun 2013-2022." Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan 1, no. 3 (2023): 62–79. http://dx.doi.org/10.58192/wawasan.v1i3.874.

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Sharia Pawn (Ar-Rahn) is an agreement between a lender and a party who lends money. A lien is a right to tangible goods that is given to a debtor who wants to get ahead of the debtor, and the item is taken after the person has the money to redeem the lien. Rahn is a pawn service product based on sharia principles, where customers are only charged with administrative fees, additional mortgage and maintenance costs. The purpose of this study was to determine the evolution of income, inflation rates and gold prices in Rahn's credit distribution at PT. Pawn shops in Indonesia. The data analysis me

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Marais, Lochner, Lucius Botes, Andre Pelser, and Anita Venter. "The non-payment of mortgage bonds in South Africa: The voice of defaulters." Acta Structilia 12, no. 2 (2005): 1–24. https://doi.org/10.38140/as.v12i2.1728.

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The aim of this article was to provide an understanding of the reasons for the non payment of mortgage bonds in the South African context. The article starts off with a brief history on housing finance under apartheid from 1948 to 1994. It then conceptualise current housing finance to the lower end of the market (mainly for black people) in South Africa. This is followed by a literature review of possible reasons that contribute to the non payment of mortgage bonds in the South African context and a brief overview of the methodology followed during the interviews with defaulters. In the fourth

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Kawidjaya, Endang. "OPTIMALIZATION OF SOCIAL SECURITY ADMINISTRATION (BPJS KETENAGAKERJAAN) TO ACCELARATE THE ACCESSABILITY OF HOUSING FACILITIES FOR LOW-INCOME PEOPLE ACCELERATING HOUSING FOR LOW INCOME PEOPLE (MBR)." DE RECHTSSTAAT 4, no. 1 (2018): 1–13. http://dx.doi.org/10.30997/jhd.v4i1.1233.

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Housing for low-income people has become a problem that until now cannot be solved completely. Various programs have been launched but the number of backlog of housing continues to grow. One of the parties who take in-charge in this problem settlement is the BPJS Ketenagakerjaan program that launches additional programs related to the housing. The results of this study show the role of BPJS Ketenagakerjaan in Accelerating the Accessibility of Housing Facilities for Low-Income People with several programs such as down-payment facilities (PUMP), home renovation loans (PRP) and real estate constr

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Lee, Sung-Jin, Renee Robinson, Elizabeth Hopfer, Minyong Lee, and Kathleen Parrott. "SERVICE AND PROGRAM NEEDS TO SUPPORT OLDER, LOW-INCOME HOMEOWNERS AGING IN PLACE." Innovation in Aging 8, Supplement_1 (2024): 1215–16. https://doi.org/10.1093/geroni/igae098.3891.

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Abstract An interdisciplinary team of the Housing, Kinesiology, and Textile programs at North Carolina A&T State University is collaborating on a multi-year research project to examine the person-environment fit perspective for older, low-income homeowners in North Carolina. Using a qualitative phenomenological study approach, researchers conducted 19 in-home and personal interviews with urban low-income, older homeowners in community-dwelling units. A local nonprofit housing agency providing home modification services to low-income older adults assisted with sample recruitment. Researcher

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Maina, William, and Bernard Omboi. "Influence of macroeconomic variables on financing of mortgage products by commercial banks in Kenya." University Journal 5, no. 1 (2023): 163–78. http://dx.doi.org/10.59952/tuj.v5i1.138.

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Various macroeconomic variables including gross domestic product (GDP), interest rate, inflation,money supply, and exchange rate, among others, have implication on financing of mortgage byfinancial institutions including Banks. In this paper, these variables are incorporated so as to analyze the influence of macroeconomic variables on mortgage financing by commercial banks. This studysought to determine the influence of macroeconomic variables on the financing of mortgage marketproducts among commercial bank in Kenya. The study surveyed 196 head of documentation, creditoperations, credit manag

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Ovanesyan, Sergey, and Irina Starostacheva. "Mathematical Models for Calculation of the Parameters of the Bank and the Borrower in the Mortgage Lending." Bulletin of Baikal State University 31, no. 4 (2021): 423–30. http://dx.doi.org/10.17150/2500-2759.2021.31(4).423-430.

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The article covers the consideration of the issues of analysis and development of mathematical models to improve the efficiency of the mortgage lending system. The relevance of the study is due to the fact that the current mechanisms of mortgage lending in Russia do not correspond to global trends: by interest rates level; in terms of the volume of loans issued and other conditions. However, it is one of the main tools that allows to improve the population’s living conditions and, as a result, to release the socio-economic tension caused by this factor, as well as to attract additional input i

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Hladkykh, D. M. "Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution." Business Inform 9, no. 524 (2021): 202–7. http://dx.doi.org/10.32983/2222-4459-2021-9-202-207.

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The key problems that hinder the intensification of attracting long-term deposits of the population in Ukraine are identified: low demand of individuals for long-term deposits; a set of factors that prevent the intensification of long-term lending and reduce the demand of banks for long-term deposits of the population; imperfection of the current mechanism of the State-based regulation of banking activities. As part of the solution to these problems, a number of recommendations proposed were aimed at: increasing the level of financial inclusion; resumption of the possibility of early terminati

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Brotman, Billie Ann. "Green federal tax credits impact on US housing prices." International Journal of Housing Markets and Analysis 13, no. 4 (2020): 553–64. http://dx.doi.org/10.1108/ijhma-10-2019-0104.

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Purpose The purpose of this study is to investigate whether increases in homeowner green amenities occurred because of income tax credits to the degree that changes in housing prices are measurable. Are higher incomes, lower mortgage rates and green income-tax credits impacting housing price changes? Design/methodology/approach The paper uses the least-squares regression model with natural log specifications. The log of income and a dummy variable, which was assigned to the Energy Policy Act (2005) and the American Recovery and Reinvestment Act (2009) coverage dates are used as independent var

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Chatterjee, Susmita, Palash Das, Aaron Shikhule, Radha Munje, and Anna Vassall. "Journey of the tuberculosis patients in India from onset of symptom till one-year post-treatment." PLOS Global Public Health 3, no. 2 (2023): e0001564. http://dx.doi.org/10.1371/journal.pgph.0001564.

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Historically, economic studies on tuberculosis estimated out-of-pocket expenses related to tuberculosis treatment and catastrophic cost, however, no study has yet been conducted to understand the post-treatment economic conditions of the tuberculosis patients in India. In this paper, we add to this body of knowledge by examining the experiences of the tuberculosis patients from the onset of symptoms till one-year post-treatment. 829 adult drug-susceptible tuberculosis patients from general population and from two high risk groups: urban slum dwellers and tea garden families were interviewed du

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Wang, Shuheng. "An Analysis of the Relationship Between Social Factors and Noise Complaint in London." Advances in Economics, Management and Political Sciences 165, no. 1 (2025): 95–99. https://doi.org/10.54254/2754-1169/2025.21587.

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In highly urbanized environments, noise pollution has long been a persistent and pressing issue that requires urgent attention. The quantity of noise complaints does not consistently provide an accurate representation of the true level of noise pollution in a specific location. Therefore, it is imperative to examine additional objective socio-economic elements that could affect these outcomes. London, the second largest city in Europe, has consistently faced criticism for noise pollution, making it an exemplary subject for this research. This paper examines the correlation between noise compla

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Биханова, A. C., та C. C. Ургушева. "СУЧАСНИЙ СТАН І ОСОБЛИВОСТІ ІПОТЕЧНОГО КРЕДИТУВАННЯ В РЕСПУБЛІЦІ КАЗАХСТАН". TIME DESCRIPTION OF ECONOMIC REFORMS, № 3 (18 жовтня 2019): 41–47. http://dx.doi.org/10.32620/cher.2019.3.05.

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Formulation of the problem. The development of mortgage lending brings significant benefits to the state. First of all, it helps to solve the housing problem, which is important from the point of view of social policy. This encourages citizens' own initiative. In addition, domestic investment - savings of the populapopulation, money of institutional investors - is involved in lending. The purpose of the article is to reflect the current state and features of mortgage lending in the Republic of Kazakhstan (Kazakhstan). The subject of the research is mortgage relations regarding housing lending

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Fout, Hamilton, Grace Li, Mark Palim, and Ying Pan. "Credit risk of low income mortgages." Regional Science and Urban Economics 80 (January 2020): 103390. http://dx.doi.org/10.1016/j.regsciurbeco.2018.07.013.

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Azimah. "ANALISIS PENGARUH MARGIN BANK SYARIAH, PREFERENSI KONSUMEN DAN PENDAPATAN TERHADAP KEPUTUSAN NASABAH MENGAMBIL KPR SYARIAH." Islamic Economics and finance in Focus 1, no. 2 (2022): 162–72. http://dx.doi.org/10.21776/ieff.2022.01.2.07.

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This study aims to analyze the effect of bank margins, customer preferences and income on customer decisions to take Sharia mortgages. the term Ordinary Least Squares (OLS) regression. The difference is that in logistic regression, the researcher predicts the dependent variable on a dichotomous scale. The dichotomous scale in question is a nominal data scale with two categories, for example: Yes and No, Good and Bad or High and Low. Based on the results of logistic regression analysis, it was found that the characteristics of Islamic mortgages, income factors, consumer preference factors and t

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Shaposhnikova, I. О. "ANALYSIS OF THE IMPACT OF INCREASING COSTS OF CONSTRUCTION MATERIALS ON HOUSING AFFORDABILITY." Building production, no. 78 (February 26, 2025): 110–16. https://doi.org/10.36750/2524-2555.78.110-116.

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Abstract. This study examines the impact of rising construction material costs on housing affordability, focusing on Ukraine, the European Union, and the United States during the period 2019–2024. The research employs statistical datasets and econometric analyses to assess the relationship between construction material price inflation and the declining accessibility of housing. It identifies significant price growth in essential materials such as steel, concrete, and timber, far exceeding general inflation rates. These trends are attributed to a combination of global and regional factors, incl

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Kerwin, Donald, José Pacas, and Robert Warren. "Ready to Stay: A Comprehensive Analysis of the US Foreign-Born Populations Eligible for Special Legal Status Programs and for Legalization Under Pending Bills." Journal on Migration and Human Security 10, no. 1 (2022): 37–76. http://dx.doi.org/10.1177/23315024211065016.

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This paper offers estimates of US foreign-born populations that are eligible for special legal status programs and those that would be eligible for permanent residence (legalization) under pending bills. It seeks to provide policymakers, government agencies, community-based organizations (CBOs), researchers, and others with a unique tool to assess the potential impact, implement, and analyze the success of these programs. It views timely, comprehensive data on targeted immigrant populations as an essential pillar of legalization preparedness, implementation, and evaluation. The paper and the e

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Sandria, Deri, Nazeli Adnan, and Saadah Yuliana. "Analisis faktor yang mempengaruhi permintaan kredit pemilikan rumah (KPR) di Kota Palembang: Kasus nasabah KPR Bank BTN." Jurnal Ekonomi Pembangunan 14, no. 2 (2019): 54–58. http://dx.doi.org/10.29259/jep.v14i2.8813.

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The purpose of the study was to investigate the effect of income, house prices and interest rates on the demand for housing loans (KPR) at BTN Bank in Palembang city. This study uses secondary data and primary data. The method used is a quantitative approach by applying a linear regression model. The findings from the results of the study indicate that variations in income variables, house prices and interest rates explain the variable demand for mortgages by 57.6%. In addition, another finding from this study is that the income variable has an insignificant influence on the demand for mortgag

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Firestone, Simon, Robert Van Order, and Peter Zorn. "The Performance of Low-Income and Minority Mortgages." Real Estate Economics 35, no. 4 (2007): 479–504. http://dx.doi.org/10.1111/j.1540-6229.2007.00198.x.

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Sufa, Faila, and Nursanita Nursanita. "Key Factors Shaping Millennials' Decisions to Choose Sharia Mortgage Financing." Journal of Accounting, Management, and Economics Research (JAMER) 3, no. 2 (2025): 98–109. https://doi.org/10.33476/jamer.v3i2.210.

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This study examines the factors influencing millennials' decisions to take Sharia mortgages. It employs causal hypothesis testing with a quantitative approach, using multiple linear regression analysis via SPSS Statistics 25. The population includes DKI Jakarta residents aged 20-40 years with income or employment. A sample size of 100 respondents was determined using the Slovin formula based on the Nine Targeted Samples Method. Primary data were collected through online questionnaires distributed via Google Forms. The study findings reveal that house prices positively and significantly affect

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Mayer, Christopher, Karen Pence, and Shane M. Sherlund. "The Rise in Mortgage Defaults." Journal of Economic Perspectives 23, no. 1 (2009): 27–50. http://dx.doi.org/10.1257/jep.23.1.27.

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The first hints of trouble in the mortgage market surfaced in mid-2005, and conditions subsequently began to deteriorate rapidly. Mortgage defaults and delinquencies are particularly concentrated among borrowers whose mortgages are classified as “subprime” or “near-prime.” The main factors underlying the rise in mortgage defaults appear to be declines in house prices and deteriorated underwriting standards, in particular an increase in loan-to-value ratios and in the share of mortgages with little or no documentation of income. Contrary to popular perception, the growth in unconventional mortg

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Jappelli, Tullio, and Annalisa Scognamiglio. "Interest rate changes, mortgages, and consumption: evidence from Italy." Economic Policy 33, no. 94 (2018): 183–224. http://dx.doi.org/10.1093/epolic/eiy001.

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SUMMARY Using the Italian Survey of Household Income and Wealth, we study whether the drop in interest rates following the Great Recession was associated with an increase in consumption for households with Adjustable Rate Mortgages (ARM) relative to those with Fixed Rate Mortgages (FRM). After the reduction in mortgage payments, consumption of ARM holders increases relative to FRM but the implied marginal propensity to consume is not statistically different from zero. We suggest three explanations for the weak consumption response to the income shock. First, cash-on-hand and debt heterogeneity

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Balás, Tamás, Ádám Banai, and Zsuzsanna Hosszú. "Modelling probability of default and optimal PTI level by using a household survey." Acta Oeconomica 65, no. 2 (2015): 183–209. http://dx.doi.org/10.1556/032.65.2015.2.1.

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The risks of household lending are still a major issue in Hungarian banking. The proportion of non-performing loans is rising continuously. We constructed a model to find those factors which have significant effect on the probability of default of households’ mortgages. We also used this model to calibrate the optimal level of household mortgages’ payment-to-income ratios, which is important from a regulatory point of view. Our results show that the denomination of the loan and the indebtedness of the household are crucial factors in the performance of the loan. We also show that loans contrac

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Auliya, Dila, Abrista Devi, and Syarifah Gustiawati. "Strategi Pemasaran Produk Kpr BTN Syariah Sejahtera iB Bagi Masyarakat Berpenghasilan Rendah." El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 4, no. 6 (2023): 1535–50. http://dx.doi.org/10.47467/elmal.v4i6.1982.

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 The Sharia State Savings Bank (BTN) is a business unit that receives FLPP funds from the government, BTN Syariah is also a subsidiary of Conventional BTN Bank, which has become the second best bank in implementing the Subsidized Mortgage Program in Indonesia after Bank BTN Conventional. Bank BTN Syariah is the best Islamic bank that supports and implements programs provided by the government, namely the Housing Financing Liquidity Facility (FLPP) and the Ministry of Public Housing (KEMENPERA) which are intended for low-income communities and non-fixed income communities. This study aims

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Amromin, Gene, and Leslie McGranahan. "The Great Recession and Credit Trends across Income Groups." American Economic Review 105, no. 5 (2015): 147–53. http://dx.doi.org/10.1257/aer.p20151054.

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In this paper, we document trends in credit use across income groups in the period surrounding the Great Recession. We investigate trends in access to different credit markets, including mortgages, home equity, automobiles, and student loans. We disentangle growth rates of new market entrants from the aggregates and analyze overall as well as within-county growth rate differentials across income strata. Our findings may provide insight into the financial well-being of different income groups in the context of the Great Recession.

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Bostic, Raphael W., and Kwan Ok Lee. "Mortgages, Risk, and Homeownership among Low- and Moderate-Income Families." American Economic Review 98, no. 2 (2008): 310–14. http://dx.doi.org/10.1257/aer.98.2.310.

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Mills, Edwin S., and Luan' Sende Lubuele. "Performance of residential mortgages in low and moderate-income neighborhoods." Journal of Real Estate Finance and Economics 9, no. 3 (1994): 245–60. http://dx.doi.org/10.1007/bf01099277.

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Chepkurui, Catherine, and Dr James M. Gatauwa. "Mortgage Financing And Financial Performance Of Commercial Banks In Kenya." IOSR Journal of Economics and Finance 16, no. 6 (2024): 11–22. http://dx.doi.org/10.9790/5933-1506021122.

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There is a high demand for housing in Kenya. This is due to continuous growth in population. Mortgages from banks are crucial in fulfilling this demand. The main objective of this study was to investigate how mortgage financing influences the financial performance of commercial banks in Kenya. It specifically aimed to understand the impact of interest rates, borrower income levels, and repayment periods on the financial performance of Kenyan banks. The paper was underpinned by Keynes’s liquidity preference, absolute income, and title and lien theories. Causal research design was used. Thirty-o

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Ampofo, Justice Agyei, and Isaac Mantey. "DETERMINANTS OF MORTGAGE LOAN REPAYMENT IN GHANA." Finance & Accounting Research Journal 3, no. 4 (2021): 75–89. http://dx.doi.org/10.51594/farj.v3i4.266.

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The housing deficit in Ghana is an issue of concern for all. This study sought to analyse the determinants of the repayment of mortgage loans in Ghana. The study used both secondary and primary data. The mixed-method approach was used for the study. The data collection instruments were interviews, focus group discussions and questionnaires. The study revealed that socio-demographic characteristics of respondents, sex distribution of respondents, educational level of respondents, marital status of respondents, occupational status of respondents, household size of respondents, the income of resp

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Usmanova, D. F., and S. P. Syrygin. "IMPACT OF THE COVID-19 PANDEMIC ON THE DEVELOPMENT OF MORTGAGE LENDING IN RUSSIA." Social’no-ekonomiceskoe upravlenie: teoria i praktika 18, no. 2 (2022): 58–65. http://dx.doi.org/10.22213/2618-9763-2022-2-58-65.

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Relevance of the research topic. The coronavirus crisis has had a controversial impact on the mortgage market. On the one hand, mortgages during the Covid-19 pandemic have become more profitable due to lower interest rates and a decrease in the size of the down payment. On the other hand, for many citizens who are faced with the loss of work or a decrease in income, mortgages during the coronavirus period have turned into an overwhelming debt. Government support in the field of mortgage lending during the Covid-19 pandemic spurred the growth of mortgage loans, this support helped to meet part

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Bonnet, Carole, Sandrine Juin, and Anne Laferrère. "Private Financing of Long Term Care: Income, Savings and Reverse Mortgages." Economie et Statistique / Economics and Statistics, no. 507d (July 11, 2019): 5–24. http://dx.doi.org/10.24187/ecostat.2019.507d.1972.

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de Haan, Leo, and Mauro Mastrogiacomo. "Loan to Value Caps and Government-Backed Mortgage Insurance: Loan-Level Evidence from Dutch Residential Mortgages." De Economist 168, no. 4 (2020): 453–73. http://dx.doi.org/10.1007/s10645-020-09367-w.

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Abstract 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 significantly positively associated with the probability of non-performance. The results suggest that mortgages with government-loan-guarantees perform better. Moreover, several mortgage loan and borrower characteristics, such as the (interest-only) loan type and the underwater status of the borrower, increase credit risk. Our model pr

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Mérő, Bence. "A felhalmozott nyugdíjjárulékok előtörlesztési célú felhasználásának modellezése lakáscélú hitelek esetén = Modelling the use of accumulated pension contributions for repayment of housing loans." Köz-gazdaság 16, no. 2 (2021): 152–68. http://dx.doi.org/10.14267/retp2021.02.11.

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A befizetett nyugdíjjárulékok a járulékfizetők szempontjából részben megtakarításként értelmezhetők. Mivel lakáshitel felvételekor a járulékfizető hitelfelvevők nem férnek hozzá ezekhez a megtakarításokhoz, magasabb hitelösszeget kell felvenniük, ami után jellemzően magasabb kamatot kell fizetniük, mint amennyi a nem hozzáférhető megtakarításaik hozama. Ha az egyén szerződhetne az állammal arra, hogy a nyugdíjjárulékai egy részét előtörlesztésként felhasználhassa, és az államnál így keletkező hiányt kamatostul visszafizeti, akkor a hitelfelvevő életpályajövedelme növekedne, mivel a lakáshitele

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ХОХРЯКОВ, Н. А., and Д. С. КОКШАРОВА. "FEATURES OF REVERSE MORTGAGES IN DEVELOPING COUNTRIES." Экономика и предпринимательство, no. 3(152) (June 12, 2023): 260–62. http://dx.doi.org/10.34925/eip.2023.152.3.051.

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В статье исследуются особенности обратной ипотеки. При применении кредита заемщик должен столкнуться с многочисленными проверками и процессами. Документы, которые заемщик должен будет предоставить для подачи заявления, включают: удостоверение личности (паспорт, водительские права и т. д.), подтверждение адреса (счет за коммунальные услуги, договор аренды и т. д.), подтверждение постоянного дохода (трудовой договор, выписка из банка, балансовый отчет и т. д.), подтверждение хорошей кредитоспособности, документы об имуществе (акт купли-продажи, письмо о выделении), некоторые фотографии имущества

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Bandelj, Nina, Yader R. Lanuza, and Zaoying Ji. "Raising Children, Rising Debt: Mortgage Debt Among American Families." Social Sciences 13, no. 11 (2024): 600. http://dx.doi.org/10.3390/socsci13110600.

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American households owe more than $12 trillion in mortgages, which represents the main source of a family’s debt. Scholars connect mortgages to the desire of families, especially better-off households, to seek housing in neighborhoods with good schools for their children, which tend to be more expensive. Although this perspective assumes a children–mortgage link, we do not know whether having children actually increases mortgage, nor whether and how this relationship varies by household income. To examine these issues, we use eleven waves of the Panel Study of Income Dynamics data between 1997

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