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Journal articles on the topic 'Mortgage Loan Purpose'

Author: Grafiati

Published: 4 June 2021

Last updated: 1 February 2022

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1

Pavlova, I. YU, and U. S. Smirnova. "Certain Issues of the Practice of Applying the Rules on Mortgages under the Contract." Siberian Law Herald 2 (2021): 42–47. http://dx.doi.org/10.26516/2071-8136.2021.2.42.

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Some aspects of the application of norms in the field of mortgages by virtue of the contract are considered: the interpretation of paragraph 1 of Article 78 of the Federal Law «On Mortgage (Pledge of Real Estate)», the problem of eviction of citizens living with the mortgagor, the legal meaning of the purpose of the loan during foreclosure on property. The article analyzes the possibility of securing the debtor’s non-property obligations with a mortgage, the risks of the mortgagee when issuing a loan (credit) amount. It has been established that regulation of both targeted and non-targeted loa

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2

Zahirovic-Herbert, Velma, Karen M. Gibler, and Swarn Chatterjee. "Financial literacy, risky mortgages, and delinquency in the US during the financial crisis." International Journal of Housing Markets and Analysis 9, no. 2 (2016): 164–89. http://dx.doi.org/10.1108/ijhma-12-2014-0060.

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Purpose The purpose of this paper is to evaluate whether low financial literacy is associated with the use of risky mortgages and delinquency. Design/methodology/approach A probit analysis is used to analyze the results of a survey of US homeowners. Findings It was found that borrowers with low financial literacy are more likely to have a risky mortgage and be delinquent in their mortgage payments. Originality/value The results indicate that many risky loan borrowers may be unable to evaluate the risks inherent in the mortgage, which contributes to high delinquency rates. These results suggest

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Ranisavljević, Duško, and Miroljub Hadžić. "Realistic Evaluation of the Ratio: Loan-To-value – The Key to Minimising the Credit Risk." Economic Themes 54, no. 3 (2016): 449–68. http://dx.doi.org/10.1515/ethemes-2016-0022.

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AbstractAs a rule, long-term bank loans entail solid security - a mortgage, regardless of their purpose. The mortgaged property has its specific market value during the loan approval period but during the repayment period, the value of the real estate varies. This is the reason why the initially specified indicator of the coverage of loans with the value of the mortgage - the LTV ratio changes, which in turn increases the risk of loan repayment. The aim of this paper is to draw attention to the necessity of establishing adequate initial LTV ratios (together with other important ratios). This w

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Svobodová, Libuše, and Martina Hedvičáková. "Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society." SHS Web of Conferences 92 (2021): 01047. http://dx.doi.org/10.1051/shsconf/20219201047.

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Research background: The paper is focused on the financial product, esp. on mortgage loans that are often used products in the field of long-term financing in the Czech Republic. These products provide commercial banks and other financial institutions on the Czech globalized financial market. Purpose of the article: The aim of the paper is to analyze the situation on the globalized financial market focused on the mortgage loans and loans from building societies in view of the global Covid-19 pandemic. Methods: Firstly a theoretical background with a review of the literature is provided, then r

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Islami, Vina, and Vina Islami. "Analisis Pemberian Kredit Pemilikan Rumah (KPR) Dalam Rangka Mengurangi Non Performing Loan (Studi Kasus PT. Bank Tabungan Negara Tbk. Cabang Bogor)." Moneter - Jurnal Akuntansi dan Keuangan 6, no. 1 (2019): 1–6. http://dx.doi.org/10.31294/moneter.v6i1.4480.

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AbstractThe purpose of this study to determine: (1) on the system mortgage (mortgage) PT. Bank Bank Tabungan Negara Tbk. Bogor Branch, (2) analyze the effectiveness of the system of mortgage (mortgage) in order to reduce non-performing loans. This type of research is a descriptive study. Studies using primary data sources and secondary data sources, with the data from interviews with employees. Data collection techniques using observation, interviews, and documentation. The results of the research showed that the system of credit is good enough to see the results of the NPL, but still lack a d

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Ozhegov, Evgeniy M. "Heterogeneous preferences of Russian residential mortgage borrowers." Journal of European Real Estate Research 10, no. 1 (2017): 35–56. http://dx.doi.org/10.1108/jerer-02-2016-0009.

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Purpose This paper aims to examine the heterogeneity of preferences of mortgage borrowers of Russian state-owned suppliers of residential housing mortgages. Design/methodology/approach Analysis takes into account the underwriting process and the choice of contract terms of all loans originated from 2008 to 2012. The data set contains demographic and financial characteristics for all applications, loan terms and the performance information for all issued loans by one regional bank which operates government mortgage programs. The paper uses a multistep semiparametric approach to estimate the det

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M. Barrutia, Jose, and María Paz Espinosa. "Consumer expertise matters in price negotiation." European Journal of Marketing 48, no. 11/12 (2014): 1962–85. http://dx.doi.org/10.1108/ejm-04-2013-0208.

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Purpose – The main purpose of this paper is to study the effect of consumer expertise on mortgage loan prices. We argue that consumer expertise should affect price due to two reasons: (1) loan mortgage prices in non-price-regulated settings are usually the result of a bank-customer negotiation process; and (2) a mortgage loan is a complex product. Design/methodology/approach – Data on mortgage loan prices were used for a sample of 1,055 households for 2005 (Bank of Spain Survey of Household Finances, EFF-2005). Findings – The regression results indicate that consumer expertise-related metrics

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R. Mason, Joseph, Michael B. Imerman, and Hong Lee. "Self-reporting under SEC Reg AB and transparency in securitization." Journal of Risk Finance 15, no. 4 (2014): 334–84. http://dx.doi.org/10.1108/jrf-05-2014-0069.

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Purpose – The purpose of this paper is to illustrate the limitations and potential bias in securitized residential mortgage data and examine the importance of such data issues for typical studies of residential mortgage-backed security (RMBS) market and the financial crisis. Design/methodology/approach – We use trustee data on mortgage characteristics provided by BlackBox Logic – the BBx data – to study the extent to which undisclosed mortgage characteristics distort the available data and impact risk analysis of RMBS collateral pools. Findings – We illustrate that substantial amounts of loan

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9

CHUDNOVETS, Aleksei Yu, and Sodnom B. BAINOV. "Conditional optimization of mortgage loan parameters." Economic Analysis: Theory and Practice 20, no. 3 (2021): 577–88. http://dx.doi.org/10.24891/ea.20.3.577.

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Subject. In the article, we calculate the period of a borrowing, in which the interest burden and monthly payments are minimal. Objectives. The aim is to create an algorithm to optimize the term of the mortgage loan, taking into account the amount of debt and interest rate of the loan. Methods. The study employs methods to analyze the formula of annuity payments of a mortgage loan, and to model the final optimization algorithm. Results. We developed an algorithm, to determine the optimal term of the loan, using the certain loan amount and interest rate. The study considers the case for banks,

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Francke, M. K., and F. P. W. Schilder. "Losses on Dutch residential mortgage insurances." Journal of European Real Estate Research 7, no. 3 (2014): 307–26. http://dx.doi.org/10.1108/jerer-01-2014-0008.

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Purpose – This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were “under water”: selling the property will not cover the outstanding mortgage debt. The double-trigger theory predicts that being under water is a necessary but not sufficient condition to predict mortgage default. A loss for the mortgage insurer is the result of a default where the proceedings of sale and the accumulated savings for postponed repayment of the principal associated to the loan

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11

Frańczuk, Małgorzata. "Rozwój rynku listów zastawnych w Polsce w kontekście nowych zmian regulacyjnych." Zarządzanie Finansami i Rachunkowość 5, no. 1 (2017): 29–43. http://dx.doi.org/10.22630/zfir.2017.5.1.03.

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Covered bonds are securities which purpose of the issue is to be the refinancing of mortgage loans granting by banks. In Poland, covered bonds are still undeveloped, although the legislation in this area has existed since 1997. The article draws attention to the problem of a small development of covered bonds in Poland and the chances of their development in the context of the amended Act on Covered Bonds and Mortgage Banks and the newly introduced into the Polish legal order of the EU directive CRD IV and CRR regulation (called CRD IV/CRR package). In the article it is also described the way

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Gunay, Suleyman Gokhan, and Kasirga Yildirak. "Choosing the Appropriate Amount of Mortgage Loan: Risk Based Decision Making." International Journal of Economics and Finance 8, no. 11 (2016): 12. http://dx.doi.org/10.5539/ijef.v8n11p12.

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<p>The main purpose of this paper is to show the way to conduct a risk based mortgage loan choice process for low and middle income households in Turkey. There are several studies that analyze the impact of buying a house decision on an investor’s portfolio, which consists of house, stocks and bonds. In this study, house is treated as a single investment. The probability of defaults for the cash flows based on mortgage payments, rents, down payment and depreciation are calculated in order to find the amount of mortgage loan for a given rent and maturity. Net present values of cash flows

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13

Singh, Amrik. "Determinants of credit spreads in hotel CMBS loans." International Journal of Contemporary Hospitality Management 31, no. 1 (2019): 370–88. http://dx.doi.org/10.1108/ijchm-06-2017-0327.

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Purpose This study aims to investigate the determinants of credit spreads in hotel loans securitized into commercial mortgage-backed securities (CMBS) between 2010 and 2015. Design/methodology/approach The sample represents 1,579 US hotel fixed interest rate whole loans with an aggregate mortgage value of $26.6bn at loan origination. The relationship between credit spreads and property, loan and market characteristic is examined via multiple regression analysis. Additionally, the method of 2-stage least squares is used to control for endogeneity bias and identify the effect of the loan-to-valu

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Shchurina, S. V. "Mortgage as an Available Source of Credit Resources for Investment Financing in 2019." Economics, taxes & law 12, no. 1 (2019): 86–97. http://dx.doi.org/10.26794/1999-849x-2019-12-1-86-97.

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The subject of the researchis the availability of mortgage as a credit resource for investment funding. The relevance of the problem is due to the development of the mortgage credit lending in the country. The policy of the Central Bank of Russia (CBR) and the Russian Government aimed at combating inﬂation and planned reduction of the key rate created favorable conditions for establishing acceptable bank rates on mortgage loans, which significantly raised the mortgage demand over the past few years. The research shows that Russian commercial banks have reduced mortgage rates and are offering r

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Münevvere, Yıldız. "The Effects of Macroeconomic Factors on Bank Loan Interest Rates in Turkey Authors." Journal of corporate governance, insurance and risk management 7, no. 2 (2020): 70–86. http://dx.doi.org/10.51410/jcgirm.7.2.5.

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The purpose of the study to reveal how interest rates on loans offered to consumers by banks in Turkey are affected by macroeconomic factors. For this purpose, the personal loan interest rate is considered as the consumer loan interest rate, mortgage loan interest rate and vehicle loan interest rate. Macroeconomic factors, inflation, gold, exchange rate and money supply are included in the analysis. Three models have been established using monthly data for the period January 2009-June 2020. Firstly, cointegration test was applied to the models and it was determined that there is at least one c

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Borgersen, Trond Arne. "The optimal LTV-ratio, mortgage market variability and monetary policy regimes." Journal of Financial Economic Policy 9, no. 02 (2017): 225–39. http://dx.doi.org/10.1108/jfep-06-2016-0044.

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Purpose The purpose of this paper is twofold: first, it derives the optimal loan-to-value (LTV)-ratio for a mortgagor that maximizes the return to home equity when considering the capital structure of housing investment. Second, it analyses the demand-side contribution to mortgage market variability across monetary policy regimes. Design/methodology/approach The paper endogenizes both the relation between the LTV ratio and the mortgage rate and the relation between LTV and the rate of appreciation. When we consider LTV-variance and the demand-side contribution to mortgage market variability, t

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Volkova, Nelia, and Kateryna Khamula. "Mortgage Loan: Assessment of the Current Situation and Impact on the Solution of Housing Problems." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 3(78) (December 15, 2020): 78–85. http://dx.doi.org/10.26906/eir.2020.3(78).2000.

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The development of the mortgage market solves both the economic problems of activation and efficient use of financial resources, and social problems in attracting social groups to meet their needs through the mechanism of the financial market. This determines the pattern of development of ways to ensure and develop these processes in Ukraine, their theoretical justification, taking into account the peculiarities of the national economy and current global trends in the development of housing mortgage lending. The purpose of the work is to develop theoretical principles, guidelines and practical

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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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Borgersen, Trond-Arne. "Loan-to-value and the price-rent ratio." Journal of European Real Estate Research 13, no. 2 (2020): 149–59. http://dx.doi.org/10.1108/jerer-12-2019-0053.

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Purpose The purpose of this paper is to highlight the relation between the loan-to-value (LTV) ratio and the price-rent (PR) ratio. The paper intends to relate the PR-ratio to housing return and the potential for a leverage gain in housing investments by considering the funding structure of housing investments. Design/methodology/approach Combining a PR-ratio approach with the housing return in the case of mortgage-financed housing, as presented by Borgersen and Greibrokk (2012), this paper relates LTV to the PR-ratio. Findings When formalising the relationship between leverage and housing ret

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Hullgren, Maria. "Mortgage decisions in Swedish housing co-operatives." International Journal of Housing Markets and Analysis 10, no. 4 (2017): 572–84. http://dx.doi.org/10.1108/ijhma-01-2013-0002.

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Purpose This paper aims to highlight co-ops mortgage choice strategy and factors that influence the board’s master mortgage decisions in Swedish co-op associations. Design/methodology/approach Data are collected through a pre-study interviewing chair persons in co-ops in Stockholm followed up by a more extensive questionnaire. Answers from these are tested by logistic regression and compared to hypotheses based on earlier findings on mortgage choice on a household level and additional findings from the interviews. Findings The mortgage choice in co-ops seems to be more dependent on financial s

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Leven, Charles L., and Michael E. Sykuta. "The Importance of Race in Home Mortgage Loan Approvals." Urban Affairs Quarterly 29, no. 3 (1994): 479–89. http://dx.doi.org/10.1177/107808749402900308.

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The purpose of this research note is to document the importance of empirical specification in the analysis of the influence of race on home mortgage lending decisions. Using a variety of testing procedures and detailed lending decision data for a large midwestern lending institution, the authors show that dramatically different results may be obtained from slight changes in empirical specification. The case study presented here can serve as a prototype for the large number of such case studies needed to obtain convincing evidence on the question of where and how discrimination may, or may not,

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Fahmi, Muhammad, and Poppy Febrina. "THE ANALYSIS OF CREDIT FINANCING OF HOME OWNERSHIP WITH MURABAHAH AT PT. BANK SYARIAH MANDIRI PALEMBANG." Hasanuddin Economics and Business Review 2, no. 3 (2019): 215. http://dx.doi.org/10.26487/hebr.v2i3.1547.

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The purpose of this study was to find out whether the housing loan financing (mortgage) at Bank Syariah Mandiri Palembang Branch in accordance with murabaha and to know the process of granting mortgage with murabahah scheme in Bank Syariah Mandiri Branch Palembang to prospective recipients of financing. The research method used was descriptive method that was by collecting the data obtained and then interpret and analyze so as to provide information that can be used to solve the problems encountered. The data used were primary data and secondary data. The results of this study indicate mortgag

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Jakušonoka, Ingrīda, and Linda Barakauska. "DEVELOPMENT AND USAGE OF SCORING SYSTEMS IN GIVING MORTGAGES BY COMMERCIAL BANKS OF LATVIA." Science and Studies of Accounting and Finance: Problems and Perspectives 10, no. 1 (2016): 55–64. http://dx.doi.org/10.15544/ssaf.2016.06.

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Competition among banks is stiff in this field (mortgage loans), where everyone wants to offer clients more favourable terms and conditions, thus gaining the largest market share. However, the credit terms and conditions can vary considerably, given the purpose of credit and the collateral. The world uses different assessment methods for a borrower’s evaluation. Particular attention is paid to the borrower's credibility and additional creditworthiness by collecting, processing and evaluating important information on the credit applicant. This research work is based on theoretical knowledge in

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Robertson, Mari L. "Securitization and financial markets: the implications for interest rate pass-through." Journal of Financial Economic Policy 8, no. 4 (2016): 472–98. http://dx.doi.org/10.1108/jfep-02-2016-0010.

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Purpose The transmission of monetary policy rates to lending rates is viewed as a crucial path of monetary policy. As an integral part of the financial system and the recent financial crisis, securitized assets have the potential to affect the interest rate pass-through process and monetary policy effectiveness. This paper aims to investigate the influence of securitization on the transmission of policy rate changes to lending rates and how rate transmission has changed since the recent financial crisis. Emphasis is placed on differences among the mortgage, consumer credit and business loan se

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Susilowati, Susilowati, and Gunarto Gunarto. "Legal Consequences Of Mortgage Right Imposition On Uncertified Land (Letter C) In Case The Grantor Is Passed Away." Jurnal Akta 5, no. 2 (2018): 427. http://dx.doi.org/10.30659/akta.v5i2.3098.

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The purpose of this study is to know the implementation of the uncertified land as mortgage right (Letter C) and how the effect occurs in case that the grantor is passed away. This research was done with normative juridical approach. Technique of collecting legal material used literature study, while technique of data analysis was done with descriptive qualitative. The author found that UUHT provides an opportunity for owners of uncertified land rights to pledge their land rights in mortgage rights. It is mentioned in Article 10 Paragraph (2) of UUHT stating that if the object of mortgage righ

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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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Schweikert, Jochen, and Markus Höchstötter. "Epidemiological spreading of mortgage default." International Journal of Housing Markets and Analysis 12, no. 1 (2019): 74–93. http://dx.doi.org/10.1108/ijhma-05-2017-0047.

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Purpose This paper aims to introduce mathematical models to capture the spreading of epidemics to explain the expansion of mortgage default events in the USA. Design/methodology/approach The authors use the state of infectiousness and death to represent the subsequent steps of payment elinquency and default, respectively. As the local economic structure influences regional unemployment, which is a strong driver of mortgage default, the authors model interdependencies of regional mortgage default rates through employment conditions and vicinity. Findings Based on a large sample between 2000 and

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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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Pirgaip, Burak, and Ali Hepsen. "Loan-to-value policy: evidence from Turkish dual banking system." International Journal of Islamic and Middle Eastern Finance and Management 11, no. 4 (2018): 631–49. http://dx.doi.org/10.1108/imefm-08-2017-0208.

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Purpose This paper aims to answer how effective the loan-to-value (LTV) regulation has been since 2011 for conventional and Islamic (participation) banks in Turkey in terms of curbing mortgage loan growth and delinquency[1]. Design/methodology/approach The authors first use unit root tests and tests of difference in loan and property price data in pre-LTV and post-LTV period. Second, the authors follow Chow test and ordinary least squares regression analyses to test for a structural break when sensitivity of mortgage loan and delinquency growth changes to property price changes considered. Fin

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Nurrizqi Rahmadania, Siti Aisyah, and Nurismalatri Nurismalatri. "ANALISIS CREDIT SCORING DAN FAKTOR-FAKTOR YANG MEMPENGARUHI NPF PEMBIAYAAN MURABAHAH PADA PT BANK MUAMALAT INDONESIA." JABI (Jurnal Akuntansi Berkelanjutan Indonesia) 3, no. 2 (2020): 204. http://dx.doi.org/10.32493/jabi.v3i2.y2020.p204-221.

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Credit scoring is a tool for predicting the financial risk of loan customers and helping banks in analyzing new loans to be provided to customers which is useful for strengthening the credit risk management system. The purpose of this study was to determine how the application of the credit scoring model in mortgage financing or sharia housing in Muamalat banks and to determine the factors that influence murabahah financing Non Performing Financing (NPF). The research method used is descriptive research and quantitative research. The results of the first part of the study indicate that the cre

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Yang, Xi, Jianchao Luo, and Wenshou Yan. "Heterogeneous effects of rural land property mortgage loan program on income." China Agricultural Economic Review 10, no. 4 (2018): 695–711. http://dx.doi.org/10.1108/caer-12-2015-0179.

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Purpose The innovative rural land property right mortgage loan program (RLPRMLP) provides a new channel for farmers to secure borrowing from microfinance institutions. Farmers’ land property right could be used as collateral to deal with moral hazard and adverse selection issues. The purpose of this paper is to document the effects of the RLPRMLP on households’ income using a unique data set from 1,279 households’ survey in Western China during 2012–2014. Design/methodology/approach At the first stage, the authors evaluate the impacts of RLPRMLP on households’ income to get the benchmark resul

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Crawford, Peggy, and Joetta Forsyth. "Was there a regulatory approval market for mortgages?" Journal of Financial Economic Policy 7, no. 4 (2015): 354–65. http://dx.doi.org/10.1108/jfep-06-2015-0032.

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Purpose – The purpose of this paper is to examine whether the underserved area requirements for Fannie Mae and Freddie Mac (the government-sponsored enterprises [GSEs]) and the community needs requirements of the Community Reinvestment Act (CRA) contributed to the house price run-up in the USA. Design/methodology/approach – This paper predicts the incidence of “Rebounds”, which indicate that a mortgage had been previously denied, to provide evidence on whether certain regulations caused excessively risky mortgage originations. As a different lender rejected the loan given the interest rate tha

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Chusna, Amalia Chusna, and Jawade Hafidz. "The Role of the Notary in the Credit Agreement with Mortgage Guarantee (Case Study in the Bank Tabungan Negara (Persero) Tbk)." Jurnal Akta 6, no. 4 (2020): 719. http://dx.doi.org/10.30659/akta.v6i4.7668.

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The purpose of this study was to: 1) Analyze determine and analyze the role of the notary in the completion of the loan agreement with collateral Mortgage PT. Bank Tabungan Negara (Persero) Tbk. 2). Analyzing the causes of a default in settlement of loans with collateral Mortgage PT. Bank Tabungan Negara (Persero) Tbk. 3) Analyze the settlement of disputes in the credit agreement with collateral Mortgage PT. Bank Tabungan Negara (Persero) Tbk.This research is a field research or empirical research with sociological juridical approach. Sociolegal research done by researching in the field (field

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Cruz Rambaud, Salvador, and María de los Ángeles Del Pino Álvarez. "Risk-based price of mortgages." Journal of European Real Estate Research 12, no. 3 (2019): 329–44. http://dx.doi.org/10.1108/jerer-04-2019-0012.

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Purpose The purpose of this paper is the analysis of the mortgage prices derived from the increase of defaults and the withdrawal of floor clauses in the mortgages offered by banking institutions in Spain. More specifically, this manuscript focuses on the evolution of the spread applied to mortgages contracted with a variable interest rate. Design/methodology/approach Two models have been considered to make a proper estimation of the yield curve to assess the loss due to the withdrawal of the floor clauses and quantify the component of the price used to cover the interest rate risk. Two differ

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Bowcock, Philip. "A discussion paper on valuations for mortgage and the level of house prices." International Journal of Housing Markets and Analysis 8, no. 1 (2015): 27–35. http://dx.doi.org/10.1108/ijhma-07-2014-0024.

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Purpose – The aim of the present paper is to consider the effect of the current approach to valuations for mortgage on the level of house prices during the housing bubble of 2000-2008 which has been a major contributor to the following recession followed previous smaller bubbles in 1972 and 1990. Despite a warning from the International Monetary Fund in 2004 that prices were too high and home buyers should “exercise particular caution”, no fundamental research appears to have been done into the contribution to this of those responsible for valuation for mortgage. Design/methodology/approach –

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Baek, Insoo, Sanghyo Lee, Joosung Lee, and Jaejun Kim. "Analysis of Housing Market Dynamics Considering the Structural Characteristics of Mortgage Interest." Sustainability 13, no. 19 (2021): 10523. http://dx.doi.org/10.3390/su131910523.

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Mortgage loan interest rates consists of base interest and spread. In general, the base interest is adjusted by the government for the sustainability of the housing market. On the other hand, spread is determined by market mechanisms. Accordingly, the change pattern of base interest and spread may appear differently depending on the market situation. In the end, the effect of the government’s market intervention through interest rate policy may be different than expected. In this respect, the purpose of this paper is to analyze the effects of base interest and spread of the mortgage loan inter

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Volkov, Anatoly A. "Influence of Socio-Economic Factors on the Development of the Home Mortgage Lending Market: The Case of the Vologda Region." REGIONOLOGY 29, no. 1 (2021): 37–59. http://dx.doi.org/10.15507/2413-1407.114.029.202101.037-059.

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Introduction. Mortgage lending plays an important role both for the banking system and for the country’s economy as a whole. In addition to the main function of providing people with comfortable housing, mortgage system development stimulates various areas of the country's economy and creates conditions conducive for investment. The purpose of the paper is to single out the factors that have a negative impact on the home mortgage lending market on the basis of the case study of the Vologda Region. Materials and methods. The study was carried out on the basis of the statistical database of the

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Bogdanova, T. V. "Some legal aspects of the application of certain types of collateral." Russian justice 3 (March 25, 2021): 5–7. http://dx.doi.org/10.18572/0131-6761-2021-3-5-7.

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The relevance of this topic in the legal doctrine is confirmed by the presence of a whole layer of problems arising in law enforcement practice in case of non-fulfillment or improper fulfillment by the debtor of his obligations to the creditor, the completion of which was guaranteed by a collateral. The subject of the research is the normative legal norms governing the collateral legal relationship. The purpose of this study is to analyze the institution of the collateral and to identify problems in the use of real estate collateral, collateral at a pawnshop, collateral of goods in circulation

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Filotto, Umberto, Claudio Giannotti, Gianluca Mattarocci, and Xenia Scimone. "Residential mortgages, the real estate market, and economic growth: evidence from Europe." Journal of Property Investment & Finance 36, no. 6 (2018): 552–77. http://dx.doi.org/10.1108/jpif-09-2017-0060.

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Purpose The purpose of this paper is to evaluate the impact of macroeconomic condition and real estate price trend on the amount of residential loan. Design/methodology/approach The paper using a sample of 16 European Countries for the time period 2007–2015 evaluates the impact of change in the gross domestic product (GDP) growth and the inflation rate on the amount of residential loans. The analysis is performed by using a vector autoregressive (VAR) and generalized VAR approach for the full sample and for each country considered. Findings For a short-term horizon, shocks to mortgages, the ho

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E. Roulac, Stephen. "Commercial mortgages – money is available if you are willing to pay the price." Journal of Property Investment & Finance 32, no. 6 (2014): 589–609. http://dx.doi.org/10.1108/jpif-06-2014-0042.

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Purpose – The questions of loan availability and pricing were considered from the perspectives of financial economic theory and practice as well as a survey of lenders capable of financing a one-year bridge loan to determine the market's willingness to make such a loan and what rate of interest would be charged. Utilizing the sources above, in conjunction with professional knowledge and industry contacts, 101 lenders were selected as representative of the universe of lenders who had the capacity to make directly or otherwise to arrange, a $192 million bridge loan. The survey of lenders involve

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Pradana, I. Putu Gian Favian Adhi, I. Made Suwitra, and I. Ketut Sukadana. "Pemecahan Sertifikat Hak atas Tanah yang Sedang Dibebani Hak Tanggungan." Jurnal Preferensi Hukum 1, no. 2 (2020): 128–32. http://dx.doi.org/10.22225/jph.1.2.2349.128-132.

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The purpose of the procedure for certificate management is still bound by mortgage rights, namely to provide legal protection for creditors, if there is a certificate holder, all of the breakers will be re-burdened according to the loan borrowed. This study aims to look at the legal protection for the bank against land title certificate holders who are encumbered with mortgage rights and legal responsibilities for land title certificates that are encumbered with mortgage rights. This research uses a type of normative legal research, with an invited-invited approach (The Statute Approach) and a

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Shofiyana, Haris. "ANALISIS PERLAKUAN AKUNTANSI TENTANG AKAD RAHN UNTUK PEMBIAYAAN ARRUM BERDASARKAN PSAK NO 107 DAN FATWA DSN MUI NO 26 PADA PEGADAIAN SYARIAH CABANG LANDUNGSARI MALANG." El Muhasaba: Jurnal Akuntansi 1, no. 1 (2018): 1. http://dx.doi.org/10.18860/em.v1i1.5384.

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The concept which is far from riba (usury) and is corresponding with Islamic Law makes the Islamic Mortgage Institution is demanded by some people, especially the middle-lower class society because of the requirements are easy to be fulfilled, accessible and can be done with a relatively short time. With the easiness to obtain loan capital in the form of funds for customers who own a business or run a business by mortgaging his property in the form of gold or diamonds. One of the Islamic Mortgaging Institution's products that provide loan financing to customers engaged in business is gold Arru

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Owusu-Manu, De-Graft, David John Edwards, Ken A. Donkor-Hyiaman, Richard Ohene Asiedu, M. Reza Hosseini, and E. Obiri-Yeboah. "Housing attributes and relative house prices in Ghana." International Journal of Building Pathology and Adaptation 37, no. 5 (2019): 733–46. http://dx.doi.org/10.1108/ijbpa-01-2019-0003.

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Purpose The study of house prices has become more relevant in recent times after the global financial crisis. Using a housing data set from three regions of Ghana (collated from real estate agents), the purpose of this paper is to estimate the relative importance of housing attributes to house prices. Design/methodology/approach The hedonic regression analysis conducted indicates that location is the most powerful determinant of house prices. Other relevant factors are the number of bedrooms, the number of floors, the total floor area, land size, age of the house and luxury finishing. Findings

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Thuy, Le Bich. "Foreclosure on collateral under French and Vietnamese laws." Science & Technology Development Journal - Economics - Law and Management 3, no. 2 (2019): 111–18. http://dx.doi.org/10.32508/stdjelm.v3i2.548.

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In Vietnam, as a result of limited financial competence, it is quite normal for small and medium enterprises to acquire loans from credit institutions, mostly under pledge and mortgage agreements. With the purpose of fostering economic growth, it is, therefore, very important to help individuals and businesses gain access to credit and increase the credit availability for them. In order to do so, obviously the possibility of predicting the time and cost involved in the realization of their security rights should be clearly seen by creditors through clear and effective regulations on enforcemen

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Donkor-Hyiaman, Kenneth Appiah, and Kenneth Nii Okai Ghartey. "Legal origins and mortgage finance contradictions." International Journal of Housing Markets and Analysis 10, no. 1 (2017): 156–79. http://dx.doi.org/10.1108/ijhma-03-2016-0019.

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Purpose This study aims to examine why Ghana has English legal origins (hypothesised as a legal framework that promotes financial development) but has not developed a well-functioning mortgage finance market. Design/methodology/approach The authors adopt the institutional autopsy approach developed by Milhaupt and Pistor (2008). This study is not a cross-country study but a historical examination of Ghana’s mortgage finance regulatory framework. The institutional autopsy framework considers the iterative process of change in a system and allows for context-specific system analysis. Findings Th

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Mulada, Diman Ade, and Arief Rahman. "Peralihan Kredit Kepemilikan Rumah Subsidi Tanpa Persetujuan Pihak Bank." PETITUM 8, no. 2 (2020): 89–99. http://dx.doi.org/10.36090/jh.v8i2.810.

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The purpose of this study was to analyze the strength of the deed of subsidized housing ownership credit without the approval of the bank. The type of research is using normative legal research with statutory and conceptual approaches to the method. The results of the research conducted concluded that the power of the subsidized mortgage loan transfer deed made by the subsidized mortgage debtor to a third party (buyer) without the approval of the bank, only binds the subsidized mortgage debtor with a third party (buyer). Meanwhile, the bank is not bound by the transfer. So that the consequence

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Adewusi, Amos Olaolu, Tunbosun Biodun Oyedokun, and Mustapha Oyewole Bello. "Application of artificial neural network to loan recovery prediction." International Journal of Housing Markets and Analysis 9, no. 2 (2016): 222–38. http://dx.doi.org/10.1108/ijhma-01-2015-0003.

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Purpose This study assesses the classification accuracy of an artificial neural network (ANN) model. It examines the application of loan recovery probability rather than odds of default as the case with traditional credit evaluation models. Design/methodology/approach Data on 2,300 loans granted over the period 2001-2012 was obtained from the databases of Nigerian commercial banks and primary mortgage institutions. A multilayer feed-forward ANN model with back-propagation learning algorithm was developed having classified the sample into training (38 per cent), testing (41 per cent) and valida

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Suwansin, Ravivan, John K. M. Kuwornu, Avishek Datta, Damien Jourdain, and Ganesh P. Shivakoti. "Salvaging mortgage loans and land title redemption with revolving funds in Thailand." Agricultural Finance Review 78, no. 1 (2018): 2–24. http://dx.doi.org/10.1108/afr-12-2016-0090.

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Purpose The purpose of this paper is to investigate the performance of the revolving fund (RF) regarding the ability of smallholder debtors to retrieve land title deeds, and also to examine the factors influencing the outstanding debts and percentage of outstanding interest of the smallholders in the Central and Northeastern regions of Thailand. Design/methodology/approach Primary data were collected from 430 debtors in the Central and Northeastern regions of Thailand in order to compare the differences in livelihood assets as well as their opinions on benefits derived from the operation of th

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Gibilaro, Lucia, and Gianluca Mattarocci. "Peer-to-peer lending and real estate mortgages: evidence from United Kingdom." Journal of European Real Estate Research 11, no. 3 (2018): 319–34. http://dx.doi.org/10.1108/jerer-12-2016-0048.

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Purpose This paper aims to collect data from a unique database provided by LendInvest and to study the key differences in the lending features for the two types of lending solutions. Findings Peer-to-peer (P2P) loans are prevalently short-term financing solutions (bridge financing), and the size of the loan is above average of the market. The loan portfolio is normally more geographically concentrated with respect to the average for the overall market and the main geographical areas for P2P lending are not just the main markets served by traditional lenders. Areas served by P2P lending have a

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Nwuba, Chukwuma C., Uche S. Egwuatu, and Babatunde M. Salawu. "Clients’ means of influence on mortgage valuation in Nigeria." Property Management 33, no. 4 (2015): 367–85. http://dx.doi.org/10.1108/pm-03-2014-0016.

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Purpose – The purpose of this paper is to investigate client influence on mortgage valuation in Nigeria to establish and rank the means of influence clients employ, and the impact of firm characteristics on client influence. Design/methodology/approach – A combination of cross-sectional survey and focus groups research designs was adopted. Questionnaire structured on five-point Likert format was used to collect data from a sample of valuation firms in five Nigerian cities. Descriptive statistics, χ2, and moderated hierarchical linear model were used for data analysis. Findings – Clients’ means

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