Relevant bibliographies by topics / Home loans

Contents

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

Academic literature on the topic 'Home loans'

Author: Grafiati
Published: 4 June 2021
Last updated: 26 January 2023

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Journal articles on the topic "Home loans"

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V R, Sudindra, and Avinash K. "A Study on Perception and Awareness towards Home Loans Offered by Public and Private Banks." Shanlax International Journal of Management 9, S1-Feb (February 25, 2022): 87–95. http://dx.doi.org/10.34293/management.v9is1.4849.

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Different market players are providing Home loans to meet the necessity of possessing a home of an individual. In India, many public and private sector Banks offers different types of Home loans with different interest rates and standardized loan policy. The objective of this study is to study the satisfaction level of customers towards home loans, awareness of home loans products in Hyderabad, and empirical study on the housing loan industry. In this regard, primary data is used through a questionnaire. The issues related to drivers of demand in the housing, the evolution of home loans, Housing in India, importance, an home loans types have been discussed. Through this paper, the basics of housing loans are addressed and the basic difference between public sector banks and private sector banks is discussed.
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Baskot, Bojan. "Modelling home equity conversion loans with life insurance models." Ekonomski anali 58, no. 199 (2013): 127–64. http://dx.doi.org/10.2298/eka1399127b.

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Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.
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Kopkin, Nolan. "The conditional spatial correlations between racial prejudice and racial disparities in the market for home loans." Urban Studies 55, no. 16 (March 5, 2018): 3596–614. http://dx.doi.org/10.1177/0042098018755086.

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Many studies have shown the existence of disparities in loan denial rates between blacks and whites that cannot be accounted for by observable applicant characteristics. Examining the link between racial gaps in home loan denial rates and prejudicial attitudes toward blacks measured by questions in the General Social Survey, this article shows not only that blacks are more likely to be denied conventional home mortgages but that denial rates among blacks for these loans are also geographically correlated with racial prejudice, particularly among first-lien home purchase loans and loans from depository lenders. However, among Federal Housing Administration-insured loans guaranteed by the government in the event of borrower default, this study finds no evidence of a statistical relationship between racial prejudice and loan denials among black applicants. Results are consistent with taste-based discrimination by discriminatory lenders; however, one cannot rule out that statistical discrimination is at least partially driving the results.
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Chen, Jian, Jin Xiang, and Tyler Yang. "International Real Estate Review." International Real Estate Review 21, no. 1 (March 31, 2018): 1–40. http://dx.doi.org/10.53383/100253.

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During the recent housing recession and financial crisis, mortgage modification has been heavily promoted by the U.S. government as a way to stabilize the housing and the national banking systems. Numerous programs, such as the Home Owners Preserving Equity (HOPE), Home Affordability Modification Program (HAMP), and Home Affordability Refinance Program (HARP), were introduced or enhanced to allow more aggressive modifications than traditionally observed prior to the crisis. Loan modification is believed to be a way to avoid foreclosure and to help borrowers keep their homes. However, the effectiveness of loan modification in preventing eventual foreclosure has not been quantified. In this paper, we use Federal Housing Administration (FHA) modified loans to analyze their re-default risk. We use loan-level data to trace the performance of loans with heavy modifications. We have three major empirical findings. First, the empirical model shows that modified loans tend to have much higher re-default risk than otherwise identical never-defaulted loans. Second, the re-default model shows that re-default hazard is less sensitive to traditional risk drivers, compared with non-modified loans. Third, the re-default risk declines initially with the magnitude of the payment reduction associated with the modification received. However, as the payment reduction becomes substantial, the probability of re-default increases. Our empirical results suggest payment reduction is most effective around the 10% to 30% level, in order to reduce re-default risk. The effect is relatively flat between the 30% to 40% level. Payment reduction beyond the 40% level increases re-default risk, controlling for all observable variables. These findings have profound implications in how lenders should design optimal modification policies.
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Dewi, Aulya Nur Rahmita, and Sri Abidah Suryaningsih. "PEMBIAYAAN KREDIT PEMILIKAN RUMAH SYARIAH NON-BANK DI TAHFIDZ RESIDENCE." Jurnal Ekonomika dan Bisnis Islam 3, no. 3 (December 30, 2020): 221–33. http://dx.doi.org/10.26740/jekobi.v3n3.p221-233.

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AbstractThe needs of human life are known to have three principles namely Sandang, Food, Board. The dense pace of growth causes the need for support, food, boards to increase, so there is a mortgage system that helps the population to get board needs. This research aims to find out the financing model used by Non Bank Sharia Home Owner Loans. Non-bank Sharia Home Owning Loans are essentially home loans for prospective home buyers who do not use banks in practice. The research method used is qualitatively descriptive. The results showed that the financing model of non-bank Sharia Home Owner Loans is not the same as Sharia Owner's Credit using banks. Murabahah and Mudharabah trading agreements used by non-bank Sharia Home Owner Loans are about the same as Sharia Home Owner Loans using banks.
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Chavez Lamar. "A Pathway Home: Connecting Museum Collections with Native Communities." Arts 8, no. 4 (November 22, 2019): 154. http://dx.doi.org/10.3390/arts8040154.

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In 2016, the Smithsonian’s National Museum of the American Indian (NMAI) and the Poeh Cultural Center, owned and operated by the Pueblo of Pojoaque in New Mexico, begin work on a loan of 100 ceramics in NMAI’s collections to the Poeh Cultural Center. Making loans to other institutions is regular practice for NMAI. In making loans to tribal museums and cultural centers, a loan can take on cultural and spiritual significance, which was the case for the Poeh Cultural Center and the community members it supports and represents. This article addresses the importance of connecting Native peoples with museum collections, which has the potential to contribute to community well-being, by featuring the partnership between NMAI and the Poeh Cultural Center.
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Nugroho, Lucky, and Annas Malik. "Determinasi Kualitas Kredit Kepemilikan Rumah (KPR) berdasarkan Perspektif Sumber Angsuran dan Rasio Fraud Account Officer (Studi Empiris Bank Negara Indonesia-BNI Periode 2008-2017)." Moneter - Jurnal Akuntansi dan Keuangan 7, no. 1 (March 31, 2020): 71–79. http://dx.doi.org/10.31294/moneter.v7i1.7651.

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Abstract - Home ownership loans are one of the best products in every banking industry. That is because housing is part of basic needs. In addition the bank in maintaining its reputation, it must be able to show good performance to all stakeholders, one of which is to maintain the quality of home ownership loans. Therefore this study aims to determine the factors that influence the quality of Home Ownership Loans. In this study the independent variables used are Fixed Income, Non-Fixed Income, and Fraud Account Officer (AO). While the dependent variable is the Quality of Home Ownership Loans. Design sample collection in this study is a causal study of PT Bank Negara Indonesia Consumer and Risk Division 2008-2017 period. The research method uses multiple linear regression analysis. The results of this study are that Fixed Income has no significant positive effect on the quality of housing loans, non-fixed income has a negative and no significant effect on home ownership loans. While the Fraud Account Officer has a significant positive effect on the Quality of Home Ownership Loans. Therefore the bank must be able to provide education and training in order to reduce fraud from AO and also improve the welfare of its employees. Keywords: Home Ownership Credit (KPR), Credit Quality, AO Fraud
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Maran, Maran. "Impact of Interest Loan, Growth of Regional Gross Domestic Product, Inflation and Economic Growth on Loans at Credit Union in West Kalimantan, Indonesia." Journal of Asian Multicultural Research for Economy and Management Study 2, no. 3 (May 4, 2021): 37–47. http://dx.doi.org/10.47616/jamrems.v2i3.119.

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Loans or credits offered by Kopdit credit unions are a potential source of funds that need to be developed, to help accelerate the home industry and the micro and small economies. Therefore, we want to see the impact of several conditions such as the loan interest rate, GDP per capita growth, inflation rate and economic growth. Quite a number of studies have looked at the impact of interest rates, GDP growth, inflation rates and economic growth on loans or credits to banks or banking institutions. We do not look at credit or loans from banks, but on Kopdit credit unions (CU). The results of our research show that simultaneously the loan interest rate, GDP growth, inflation rate and economic growth have a strong enough influence on loans at Credit Union Credit Unions, namely 79.2454%. Partially the variable of loan interest rate, GDP growth per capita, inflation rate affects outstanding loans, while economic growth partially has no effect on outstanding loans.
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Michney, Todd M., and LaDale Winling. "New Perspectives on New Deal Housing Policy: Explicating and Mapping HOLC Loans to African Americans." Journal of Urban History 46, no. 1 (January 9, 2019): 150–80. http://dx.doi.org/10.1177/0096144218819429.

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Scholarship on the Home Owners’ Loan Corporation (HOLC) has typically focused on this New Deal housing agency’s invention of redlining, with dire effects from this legacy of racial, ethnic, and class bias for the trajectories of urban, and especially African American neighborhoods. However, HOLC did not embark on its now infamous mapping project until after it had issued all its emergency refinancing loans to the nation’s struggling homeowners. We examine the racial logic of HOLC’s local operations and its lending record to black applicants during the agency’s initial 1933-1935 “rescue” phase, finding black access to its loans to have been far more extensive than anyone has assumed. Yet, even though HOLC did loan to African Americans, it did so in ways that reinforced racial segregation—and with the objective of replenishing the working capital of the overwhelmingly white-owned building and loans that held the mortgages on most black-owned homes.
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TOUCHSTONE, ELLEN E., ROBERT B. KAPLAN, and CYNTHIA L. HAGSTROM. "‘Home, sweet casa’ – access to home loans in Los Angeles: A critique of English and Spanish home loan brochures." Multilingua - Journal of Cross-Cultural and Interlanguage Communication 15, no. 3 (1996): 329–50. http://dx.doi.org/10.1515/mult.1996.15.3.329.

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Dissertations / Theses on the topic "Home loans"

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Sharma, Satish. "Consumer credit scoring : an empirical study involving home loans within the Nepalese banking sector." Thesis, Northumbria University, 2009. http://nrl.northumbria.ac.uk/1974/.

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Nepalese banks have witnessed a considerable shift in recent years towards its loans and advances by focussing on consumer credit. The traditional method of evaluating applicants that is based on the judgmental system is increasingly becoming inappropriate for the large volume of applicants. As a result of the shift in the lending market and the increased emphasis placed by the regulator on risk management, Nepalese banks have to rethinking on the way they assess their applicants for credit. Traditionally, the credit decision whether to accept/reject an applicant has been based on the subjective evaluation of the credit application forms and supporting documents. The literature advocates an objective approach on the lines of credit scoring which is fast, reliable, consistent and risk-based. On the strengths of this argument, this thesis presents the qualitative and quantitative considerations including issues relating to data capture, model development and implementation of a formal credit scoring model within the Nepalese Banking sector. The questionnaire was administered with the non-managerial level staff, the respondents in the expert interviews were managerial level staff and the database for model development were taken from a home loans customer database of a typical Nepalese bank. The findings of this work point to the fact that it is possible to develop such an objective model using six key characteristics and jointly produce a model that will predict the quality of loan with an acceptable degree of confidence.
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Lörtscher, Sandro. "Impact of student loans on home equity in the United States : An empirical model." Thesis, Umeå universitet, Nationalekonomi, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-160997.

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Between 2004 and 2017, the aggregated amount of outstanding student loans in the United States increased from $345 billion to $1,38 trillion, an increase of 300% over a little more than a decade. While this study partly explains the above increase, its aim is to determine whether outstanding student loans adversely affect a household’s ability to accumulate home equity. Median regression results of the 50th, 75th, 90th and 95th percentile all show negative association between home equity and outstanding student loans, with a decrease of -$0.32 to -$0.92 in homeequity for every $1 in outstanding student loans. The increasing burden of outstanding studentloans may pose a threat to the short- and long-term financial health of households in the United States.
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Lee, Kyubang. "The demand for owner-occupied housing : a study of the simultaneity among housing demand, the choice of loan-value ratio and the length of stay /." The Ohio State University, 1985. http://rave.ohiolink.edu/etdc/view?acc_num=osu1278610468.

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Lee, Yun Sang. "The impact of high-leverage home loans on racial/ethnic segregation among homebuyers in the mortgage boom." Diss., Georgia Institute of Technology, 2013. http://hdl.handle.net/1853/47672.

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Residential racial segregation has been perennially viewed as a major urban problem in the United States. Meanwhile, the single-family mortgage market has been an influential factor in determining segregation since at least the 1930s. Although many prior studies rightly have focused on the very real individual and social costs of subprime loans and related loan features, the greater leverage they afford also may have allowed some, especially minority, homebuyers to purchase properties they otherwise would not have been able to afford. Limited loan-to-value and payment-to-income ratio requirements have constrained borrowers from prime, conventional lenders, and relaxing these standards might allow some borrowers to purchase more expensive homes, possibly in higher quality neighborhoods. Additionally, if minority borrowers disproportionately obtained high-leverage loans, the effect of these loans on neighborhood choice may be greater for minorities than non-Hispanic whites. Since higher-quality neighborhoods are disproportionately non-Hispanic white or racially diverse, the increase in high-leverage mortgages might mitigate the neighborhood quality gap between minorities and non-Hispanic whites and reduce levels of racial/ethnic segregation. Accordingly, this dissertation focuses on two research questions: 1) whether high-leverage home purchase loans enabled borrowers to purchase more expensive homes and homes in higher-quality neighborhoods; and 2) whether these loans affected the racial/ethnic segregation of homebuyers at the metropolitan level. Since blacks and Hispanics comprise significant minorities in many metropolitan areas in the 2000s, I examine the questions for three racial/ethnic groups: non-Hispanics whites, blacks, and Hispanics. To answer the first question, household housing demand and neighborhood quality models are estimated using the American Housing Survey data. To answer the second question, metropolitan area segregation models are estimated primarily using the American Community Survey and the Home Mortgage Disclosure Act. Both cross-sectional and fixed-effect panel segregation models are estimated using a two-stage least squares approach with chosen instruments. I find that the use of high-leverage loans increases housing demand and neighborhood quality, holding other household characteristics constant. I also find that high-leverage loans have a substantial, negative effect on black segregation, while the effect on Hispanic segregation is somewhat ambiguous. The findings suggest that policymakers should consider the impact of regulations affecting allowable loan-to-value and payment-to-income ratios on borrowers' residential choice and urban form, as well as on default risk.
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Skelton, Ross Alexander. "The impact of home loan key facts sheets on borrowers' comparisons of loan costs." Thesis, Queensland University of Technology, 2015. https://eprints.qut.edu.au/91053/4/Ross_Skelton_Thesis.pdf.

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This thesis evaluates the effectiveness of the prescribed design and distribution requirements of the Australian Government's home loan key facts sheets (KFS) aimed at helping borrowers compare loan costs. The findings show that despite effectively improving borrower decision-making, few borrowers were aware of their existence and function. It was also demonstrated that KFS have had limited market impact over the four year window since introduction, likely due to the requirement that KFS provision is not required unless formally requested by a borrower. Recommendations include transferring the burden of disclosure to lenders in the first instance to address this information gap.
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McElroy, Mathew S. "Fannie Mae and Freddie Mac lending patterns along the Texas-Mexico border." To access this resource online via ProQuest Dissertations and Theses @ UTEP, 2008. http://0-proquest.umi.com.lib.utep.edu/login?COPT=REJTPTU0YmImSU5UPTAmVkVSPTI=&clientId=2515.

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Mafra, Fábio Dieguez Barreiro. "Classificação de risco dos certificados de recebíveis imobiliários - estruturação de um processo de rating da perda potencial da carteira securitizada." Universidade de São Paulo, 2006. http://www.teses.usp.br/teses/disponiveis/3/3146/tde-22072007-162217/.

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O trabalho apresenta um processo de classificação de risco dos Certificados de Recebíveis Imobiliários (CRIs), quanto à expectativa de perda presente na carteira de créditos imobiliários, objeto de securitização. O texto, primeiramente, descreve o andamento das operações de securitização no Brasil e no mundo, além de aspectos particulares dessas operações. Em seguida, com maior ênfase, são descritas as principais etapas do processo de rating praticado pelas instituições classificadoras, assim como também, são identificados e analisados os riscos presentes nos CRIs. Riscos estes de origem mercadológica, macroeconômica, legal, e também, associados aos atributos dos créditos que compõem a carteira. Vale destacar, que o processo de classificação proposto tem como foco o investidor que compra o título, aplicando-se ainda, apenas aos CRIs lastreados em créditos imobiliários residenciais. Quanto ao processo de classificação em si, este envolve a simulação do fluxo de caixa da operação; a arbitragem de fronteiras de flutuação do comportamento das variáveis de risco manipuladas no cenário de referência; a geração randômica de uma amostra de laboratório, seguida da análise estatística do nível de perda presente na mesma e; enquadramento do resultado da análise estatística em uma matriz classificatória para obtenção da nota de risco dos CRIs. Portanto, ao fim do trabalho terão sido apresentados procedimentos que se entendem como válidos à análise da perda potencial de carteiras de créditos imobiliários residenciais, além de recomendações e orientações quanto a sua real aplicabilidade no mercado brasileiro.
The work presents a classification process of risk of Mortgage-Backed Securities (MBS) in relation to the loss expectation in the housing loans portfolio that is object of securitization. Firstly, it is described how the operations of securitization are accomplished in Brazil and in the world, and beyond it is showed particular aspects of these operations. After that, it is emphasized the main stages of the risk classification process carried out by rating agencies, as well as are identified and analyzed the risks in the MBS. Those risks arise from areas as marketing, macroeconomics, legal origins, and also they are associated with the credits attributes that comprise the portfolio. It is important to consider that the risk classification process focus on the investor who purchases the stock quotes and it is applied only to the MBS collateralized in housing loans. How much to the process of classification in itself, this involves the simulation of the cash flow of the securitization operation for certain expected scene; the arbitration of borders of fluctuation for each variable of risk manipulated in the reference scene; use of laboratory sample, generated by the random method, for analysis statistics of the level of present loss in the same and; framing of the result of the analysis statistics in a matrix of classification to obtain the note of risk of the MBS. As main conclusions, some procedures are presented that enable the analysis of the portfolio potential loss of residential home loans, beyond recommendations and orientations in regard to its real applicability in the Brazilian market.
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Petrovic, Dario. "Bostadsköp - en studie om lånekulturen bland unga hushåll i Stockholm." Thesis, KTH, Fastigheter och byggande, 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-146613.

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Det finansiella systemet är nära sammanlänkat med bolånemarknaden, tillgången till finansiering har blivit större och allt fler hushåll väljer att belåna sig. Det medför fördelar med även nackdelar då det finansiella systemet är ytterst känsligt för störningar på bolånemarknaden. Det är även svårt att konstatera vad som menas med en övervärderad bostadsmarknad då olika definitioner ges av olika aktörer. Prisutvecklingen ligger idag över sin långsiktiga trend vilket har gett upphov till spekulation om en eventuell bostadsbubbla. Enligt aktuella utredningar ser dock bostadspriserna ut att ha anpassat sig till nya tillväxtvillkor i form av sjunkande räntenivåer, lägre bostadsbyggande samt ökade hushållsinkomster och anses därmed i stor utsträckning kunna förklaras av fundamentala faktorer. I syfte att förhindra en osund utveckling på kreditmarknaden infördes ett bolånetak och sedan införandet har belåningsgraden för nya lån sjunkit, utöver det har även andelen bolån med belåningsgrad över 85 procent minskat. Det talas dock om huruvida belåningsgraden är hållbar och om säkerhetsmarginalerna är tillräckliga. Sammanfattningsvis redovisar studien att alltfler unga hushåll får hjälp av familj för att kunna etablera sig på bostadsmarknaden. Dessa unga hushåll har ofta irrationella förväntningar gällande bostadspriserna då de extrapolerar bakåt vid slutsatser om framtiden, samtidigt som merparten anser att priserna är övervärderade. Men till skillnad från den allmänna debatten där bolånetagare ofta framställs som oansvariga, visar studien på det motsatta. Huvudparten amorterar enligt bankens rekommendationer och är medvetna om eventuella ränteförändringar vilket tyder på en sund belåning. Den hårt reglerade hyresmarknaden begränsar dock alternativen för de som egentligen inte vill ta sig in på ägarmarknaden och kan därmed innebära riskfyllda bostadsköp. Således visar studien på en splittrad inställning avseende bostadsköpet då många hellre hade valt att hyra om det fanns ett större utbud av hyresrätter till skäliga priser.
The financial system is closely linked to the mortgage market, the availability of financing has become greater and increasingly more households choose to own and borrow. It brings advantages and disadvantages when the financial system is extremely sensitive to disturbances in the mortgage market. It is difficult to determine the meaning of an overvalued housing market due to the different definitions given by different actors. The price trend is currently above its long-term trend that has given rise to speculation about a possible housing bubble. However according to recent investigations housing prices appear to have adapted to the new growth conditions in the form of falling interest rates, lower housing and increased household incomes and is thus largely explained by fundamental factors. In order to prevent an unhealthy trend in the credit market, a mortgage limit has been introduced and since its introduction the value ratio for new loans has dropped, beyond that, the proportion of mortgages with LTV above 85 percent has also declined. There is a discussion, however, about whether the leverage is sustainable and whether the safety margins are adequate. In conclusion, the study shows that more and more young households receive help from family in order to establish themselves in the housing market. These young households tend to have illogical expectations about prices on the housing market because they extrapolate backward regarding conclusions about the future, while the majority believes that prices are overvalued. But unlike the general debate where mortgage holders are often portrayed as irresponsible, the study shows the opposite. The majority amortizes according to the bank's recommendations and are aware of any changes in interest rates, indicating a healthy leverage. The highly regulated rental market, however, limits the options for those who don’t really want to enter the ownership market and can thus involve risky home purchases. Thus, the study shows a fragmented approach regarding home purchases when many would rather have chosen to rent if there was a greater range of rental units at reasonable prices.
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Dey, Shubhasis. "Essays on consumer lines of credit credit cards and home equity lines of credit /." Columbus, Ohio : Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc%5num=osu1091811947.

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Thesis (Ph. D.)--Ohio State University, 2004.
Title from first page of PDF file. Document formatted into pages; contains x, 97 p. : ill. Advisor: Lucia Dunn, Department of Economics. Includes bibliographical references (p. 94-97).
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Siu, Yee-lin Richard, and 蕭爾年. "Landuse, home-ownership and development: feasibility of tax relief on housing mortgages in Hong Kong." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 1990. http://hub.hku.hk/bib/B31257732.

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Books on the topic "Home loans"

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United States. Farmers Home Administration. Home ownership loans. [Washington, D.C.]: GPO, 1987.

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US DEPARTMENT OF AGRICULTURE. Home improvement loans and repair loans and grants. [Washington, D.C.]: U.S. Dept. of Agriculture, 1987.

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Canada Mortgage and Housing Corporation. Home ownership loans, borrower eligibility. [Ottawa]: CMHC = SCHL, 1997.

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Corporation, SMR Research. Home Equity Loans, 2008: Hard Times. Hackettstown, NJ: SMR Research Corporation, 2008.

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Your home mortgage. New York: Wiley, 1992.

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Consultants, Financial Education. Book of home finance. Centreville, Va: FEC, 1995.

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Minton, Robert. Banking on your home: A consumer's guide to home equity loans. Homewood, Ill: Dow Jones-Irwin, 1987.

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1955-, Robinson Marc, ed. Buying a home. London: Dorling Kindersley, 2003.

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Porter, Steven L. Save your home: How to protect your home and property from foreclosure. 2nd ed. Colorado Springs, Colo: Java Pub. Co., 1990.

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Woods, Edward. Saving your home through loan modification. [United States]: Xliibris, 2009.

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Book chapters on the topic "Home loans"

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Karamujic, Muharem H. "Introduction to Contemporary Residential Mortgage (Home Loans) Lending Products." In Housing Affordability and Housing Investment Opportunity in Australia, 55–87. London: Palgrave Macmillan UK, 2015. http://dx.doi.org/10.1057/9781137517937_4.

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Chan, Fook Mun, Quanqing Xu, Hao Jian Seah, Sye Loong Keoh, Zhaohui Tang, and Khin Mi Mi Aung. "Privacy Preserving Computation in Home Loans Using the FRESCO Framework." In Advances in Intelligent Systems and Computing, 90–107. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-03405-4_7.

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Kaša, Rita. "The Nexus Between Higher Education Funding and Return Migration Examined." In IMISCOE Research Series, 283–98. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-030-12092-4_13.

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Abstract Asymmetrical international student mobility poses a challenge to the governments of countries sending students abroad to ensure their return home after graduation. Financial assistance tools such as student loan forgiveness are viewed as a solution to this challenge. Drawing on evidence in the case of Latvia, this chapter contributes to the literature testing the policy assumption that sending governments can influence the return migration decisions of international students by cancelling their student loans. This chapter presents The Emigrant Communities of Latvia survey data on higher education funding sources among international students from Latvia and the relationship between these sources and their return intentions. Using qualitative interview data, this chapter examines the effectiveness of student loan forgiveness in influencing the return migration decisions of global graduates from Latvia. The chapter concludes that the existing student loan forgiveness policy does little to prompt return migration.
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Dikken, Olivier, Kushal Prakash, Bart Roseboom, Ana Rubio, Sander Østvik, Mijael Bueno, Nestor Z. Salamon, and Rafael Bidarra. "A Serious Game for Changing Mindsets About Loans for Home Retrofitting." In Lecture Notes in Computer Science, 347–61. Cham: Springer International Publishing, 2020. http://dx.doi.org/10.1007/978-3-030-63464-3_33.

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Lum, Imran. "Religious leaders' interpretation of ribā and attitudes towards home loans,savings accounts and credit cards." In A Comparative Study of Islamic Finance in Australia and the UK, 42–90. London: Routledge, 2021. http://dx.doi.org/10.4324/9780429294808-3.

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Lum, Imran. "Muslim professionals and university students' interpretation of ribā and attitudes towards home loans,savings accounts and credit cards." In A Comparative Study of Islamic Finance in Australia and the UK, 91–132. London: Routledge, 2021. http://dx.doi.org/10.4324/9780429294808-4.

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Paul, Taraknath. "Supervised Home Loan and Top-up Home Loan Risk Optimization Using Neuro-Fuzzy Model." In Advances in Intelligent Systems and Computing, 525–34. Singapore: Springer Nature Singapore, 2022. http://dx.doi.org/10.1007/978-981-19-3590-9_41.

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Karamujic, Muharem H. "Major Reasons for an Increase in the Number of Institutions Offering Home Loan Products and in the Number of Home Loan Products Offered in the Australian Home Loan Market." In Housing Affordability and Housing Investment Opportunity in Australia, 46–54. London: Palgrave Macmillan UK, 2015. http://dx.doi.org/10.1057/9781137517937_3.

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Atisattapong, Wanyok, Chollatun Samaimai, Salinla Kaewdulduk, and Ronnagrit Duangdum. "Data Mining for Automated Assessment of Home Loan Approval." In Communications in Computer and Information Science, 11–21. Cham: Springer International Publishing, 2018. http://dx.doi.org/10.1007/978-3-030-00617-4_2.

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Orlando, Anthony W. "The Home Owners' Loan Corporation and the City Survey Program." In Keeping Races in Their Places, 49–62. New York: Routledge, 2021. http://dx.doi.org/10.1201/b22708-4.

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Conference papers on the topic "Home loans"

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Morales, D., A. Pérez-Martín, and M. Vaca. "Monte Carlo simulation study of regression models used to estimate the credit banking risk in home equity loans." In DATA 2013. Southampton, UK: WIT Press, 2013. http://dx.doi.org/10.2495/data130131.

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Sitepu, Ternamentha, Arlina Nurbaity Lubis, Endang Sulistiya Rini, and Beby Karina Fawzeea Sembiring. "Literature review: Decision to Choose Non-Subsidized Home Ownership Loans at PT. Bank Tabungan Negara for North Sumatra Region." In Proceedings of the 1st International Conference on Social, Science, and Technology, ICSST 2021, 25 November 2021, Tangerang, Indonesia. EAI, 2022. http://dx.doi.org/10.4108/eai.25-11-2021.2319423.

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Handzic, Meliha, Felix Tjandrawibawa, and Julia Yeo. "How Neural Networks Can Help Loan Officers to Make Better Informed Application Decisions." In 2003 Informing Science + IT Education Conference. Informing Science Institute, 2003. http://dx.doi.org/10.28945/2602.

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The granting of loans by a financial institution (bank or home loan business) is one of the important decision problems that require delicate care. It can be performed using a variety of different processing algorithms and tools. Neural networks are considered one of the most promising approaches. In this study, optimal parameters and the comparative efficiency and accuracy of three models: Multi Layer Perceptron, Ensemble Averaging and Boosting by Filtering have been investigated in the light of credit loan application classification. The goal was to find the best tool among the three neural network models for this kind of decision context. The experimental results indicate that Committee Machine models were superior to a single Multi Layer Perceptron model, and that Boosting by Filtering outperformed Ensemble Averaging.
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Teodorescu, Camelia, Iulian Bleotu, Andrei Ducman, Laurentiu-Stefan Szemkovics, and Cristian Cazacu. "THE INFLUENCE OF THE SARS-CoV2 PANDEMIC ON HOME AND PERSONAL NEEDS BANK LOANS OF THE POPULATION IN ROMANIA IN 2020." In 7th International Scientific Conference GEOBALCANICA 2021. Geobalcanica Society, 2021. http://dx.doi.org/10.18509/gbp210425t.

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Demajo, Lara Marie, Vince Vella, and Alexiei Dingli. "Explainable AI for Interpretable Credit Scoring." In 10th International Conference on Advances in Computing and Information Technology (ACITY 2020). AIRCC Publishing Corporation, 2020. http://dx.doi.org/10.5121/csit.2020.101516.

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With the ever-growing achievements in Artificial Intelligence (AI) and the recent boosted enthusiasm in Financial Technology (FinTech), applications such as credit scoring have gained substantial academic interest. Credit scoring helps financial experts make better decisions regarding whether or not to accept a loan application, such that loans with a high probability of default are not accepted. Apart from the noisy and highly imbalanced data challenges faced by such credit scoring models, recent regulations such as the `right to explanation' introduced by the General Data Protection Regulation (GDPR) and the Equal Credit Opportunity Act (ECOA) have added the need for model interpretability to ensure that algorithmic decisions are understandable and coherent. An interesting concept that has been recently introduced is eXplainable AI (XAI), which focuses on making black-box models more interpretable. In this work, we present a credit scoring model that is both accurate and interpretable. For classification, state-of-the-art performance on the Home Equity Line of Credit (HELOC) and Lending Club (LC) Datasets is achieved using the Extreme Gradient Boosting (XGBoost) model. The model is then further enhanced with a 360-degree explanation framework, which provides different explanations (i.e. global, local feature-based and local instance-based) that are required by different people in different situations. Evaluation through the use of functionallygrounded, application-grounded and human-grounded analysis show that the explanations provided are simple, consistent as well as satisfy the six predetermined hypotheses testing for correctness, effectiveness, easy understanding, detail sufficiency and trustworthiness.
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Rebitzer, D., and M. Renz. "Micro Loans for Homes in Africa." In 18th African Real Estate Society Conference. African Real Estate Society, 2018. http://dx.doi.org/10.15396/afres2018_142.

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Moya, Francisco D., Luiz C. P. da Silva, Juan C. Lopez A., and Pablo Vergara B. "GRASP model for smart home electrical loads scheduling." In 2015 International Energy and Sustainability Conference (IESC). IEEE, 2015. http://dx.doi.org/10.1109/iesc.2015.7384384.

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Lennvall, Tomas, Larisa Rizvanovic, and Pia Stoll. "Scheduling of electrical loads in home automation systems." In 2015 IEEE International Conference on Automation Science and Engineering (CASE). IEEE, 2015. http://dx.doi.org/10.1109/coase.2015.7294279.

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Brenner, B. C. "The MAC-AT-HOME student microcomputer loan rogram." In the 17th annual ACM SIGUCCS conference. New York, New York, USA: ACM Press, 1989. http://dx.doi.org/10.1145/73760.73768.

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Bonet, A. Miranda, M. Alcazar Ortega, G. Escriva Escriva, C. Alvarez Bel, and A. Domijan. "Characterization methodology for in-home loads based on harmonics." In 2009 IEEE-PES/IAS Conference on Sustainable Alternative Energy (SAE). IEEE, 2009. http://dx.doi.org/10.1109/sae.2009.5534881.

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Reports on the topic "Home loans"

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Larkin, Geri. An impact evaluation of home improvement loans on neighborhood decline: the case of Portland, Oregon. Portland State University Library, January 2000. http://dx.doi.org/10.15760/etd.521.

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Leventis, Greg, and Jeff Deason. Deferred Payment Loans for Energy Efficiency: Case Study of a Low- and Moderate-Income Home Improvement Financing Model and Potential Application to Energy Efficiency Projects. Office of Scientific and Technical Information (OSTI), December 2021. http://dx.doi.org/10.2172/1837376.

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O'Toole, Conor, and Rachel Slaymaker. Review of the rebuilding Ireland home loan scheme. ESRI, October 2020. http://dx.doi.org/10.26504/rs104.

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O'Toole, Conor, and Rachel Slaymaker. Review of the Rebuilding Ireland Home Loan scheme. ESRI, October 2020. http://dx.doi.org/10.26504/rs104.pdf.

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Walsh, Colin James. Solar Mosaic Inc. Mosaic Home Solar Loan SunShot 9 Final Report. Office of Scientific and Technical Information (OSTI), February 2017. http://dx.doi.org/10.2172/1345477.

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Conner, C. C., and Z. T. Taylor. Overall U-values and heating/cooling loads: Manufactured homes. Office of Scientific and Technical Information (OSTI), February 1992. http://dx.doi.org/10.2172/5840130.

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Conner, C. C., and Z. T. Taylor. Overall U-values and heating/cooling loads: Manufactured homes. Office of Scientific and Technical Information (OSTI), February 1992. http://dx.doi.org/10.2172/10129588.

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Fishback, Price, Alfonso Flores-Lagunes, William Horrace, Shawn Kantor, and Jaret Treber. The Influence of the Home Owners' Loan Corporation on Housing Markets During the 1930s. Cambridge, MA: National Bureau of Economic Research, March 2010. http://dx.doi.org/10.3386/w15824.

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Pratt, R., and B. Ross. Measured electric hot water standby and demand loads from Pacific Northwest homes. Office of Scientific and Technical Information (OSTI), November 1991. http://dx.doi.org/10.2172/5955278.

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Marshall, Richard D., and Felix Y. Yokel. Recommended performance-based criteria for the design of manufactured home foundation systems to resist wind and seismic loads. Gaithersburg, MD: National Institute of Standards and Technology, 1995. http://dx.doi.org/10.6028/nist.ir.5664.

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