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Journal articles on the topic 'Mortgage loans Real property'

Author: Grafiati

Published: 4 June 2021

Last updated: 16 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

Lechowicz, Tomasz. "Financing Commercial Property in Poland and the UK." Olsztyn Economic Journal 7, no. 1 (2012): 143–51. http://dx.doi.org/10.31648/oej.3414.

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The following work is a comparison of real estate financing methods in Poland and Great Britain. A comparison of the data from both countries shows that the most popular method of real estate financing in both countries is through mortgages. External financing of commercial real estates in Poland is accomplished by: universal and mortgage banks, leasing companies, investment funds-loan, private investors and through the issue of ownership or debt securities. Another method of financing commercial real estate is financing it through the establishment of a special, separate company designed to c

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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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4

Josipović, Tatjana. "Consumer Protection in EU Residential Mortgage Markets: Common EU Rules on Mortgage Credit in the Mortgage Credit Directive." Cambridge Yearbook of European Legal Studies 16 (2014): 223–53. http://dx.doi.org/10.1017/s1528887000002603.

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AbstractFor many years now, there has been an attempt in the European Union to create a common legal framework for mortgage credit contracts and cross-border activities in the mortgage financial sector. One of the greatest challenges has been the establishment of a corresponding level of consumer protection in EU residential mortgage markets. This issue has become particularly important at the time of financial crisis. Consumers are increasingly exposed to the risk of losing their homes because of failing to fulfil, in due time, their obligations arising from mortgage loans, and thus losing co

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HUI, Eddie C. M., and Ivan M. H. NG. "ACCESS TO MORTGAGE CREDIT AND HOUSING PRICE DYNAMICS." International Journal of Strategic Property Management 20, no. 1 (2016): 64–76. http://dx.doi.org/10.3846/1648715x.2015.1103802.

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In real estate studies, arguably the most important topic revolves around what actually affect the price of properties. In addition to various macroeconomic factors, the mortgage industry is also believed to play a major role. Nonetheless, despite its profound implications on the banking sector, the property market, and the economy as a whole, there is no consensus as to the relationship between property price and bank mortgage lending. In light of this, this paper aims to investigate the relationship between property price and mortgage lending, along with other macroeconomic variables, in two

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6

Ushanov, Aleksandr Evgenievich. "Commercial mortgage lending: standardization issues." Vestnik of Astrakhan State Technical University. Series: Economics 2020, no. 2 (2020): 100–106. http://dx.doi.org/10.24143/2073-5537-2020-2-100-106.

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The article states that a loan secured by commercial property (commercial mortgages), as one of the most popular types of corporate loans has a number of advantages compared to other types of borrowing: the borrower is able to quickly get the necessary amount of money for any need - business expansion, working capital, ability to Finance large deals, and the disposal  of banks remains liquid assets, quick sale which will cover damages in case of default by the cus-tomer of the terms of the loan. It is confirmed that the product is characterized by specific risks,  often resulting i

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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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8

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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9

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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10

Peres, Zsuzsanna. "Land Politics in Hungary between the Two World Wars." Krakowskie Studia z Historii Państwa i Prawa 4 (2011): 95–107. http://dx.doi.org/10.4467/20844131ks.12.008.0509.

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Land Politics in Hungary between the Two World Wars The paper discusses the Hungarian legislation that regulated the ownership referring to real property in the period between the World Wars. The discussion included also the review of the law on colonization and division of the land, as well as the law on bank loans offered to those who were professionally engaged in farming. In addition, the authoress made an analysis of the archaic institution of fideicomissum. While depicting the background of legislative efforts of the time, the authoress recalled the developments that took place prior to

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11

Courtemanche, Charles, and Kenneth Snowden. "Repairing a Mortgage Crisis: HOLC Lending and Its Impact on Local Housing Markets." Journal of Economic History 71, no. 2 (2011): 307–37. http://dx.doi.org/10.1017/s0022050711001549.

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Between 1933 and 1936 the Home Owners’ Loan Corporation purchased more than a million delinquent mortgages from private lenders and refinanced those loans for the borrowers. Its primary goal was to break the cycle of foreclosure, forced property sales and decreases in home values that was affecting local housing markets throughout the nation. We find that the volume of HOLC lending was related to measures of distress in local (county-level) housing markets and that these interventions increased 1940 median home values and homeownership rates, but not new home building.“[A] tremendous surge of

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12

Taylor, Greg. "Modelling Mortgage Insurance Claims Experience: A Case Study." ASTIN Bulletin 24, no. 1 (1994): 97–129. http://dx.doi.org/10.2143/ast.24.1.2005084.

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AbstractMortgage insurance indemnifies a mortage lender against loss on default by the borrower. The sequence of events leading to a claim under this type of insurance is relatively complex, depending not only on the credit worthiness of the borrower but also on a number of external economic factors.Prominent among these external factors are the loan to valuation ratio of the insured loan, the disposable income of the borrower, and movements in property values. A broad theoretical model of the functional dependencies of claim frequency and average claim size on these variables is established i

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Locurcio, Marco, Francesco Tajani, Pierluigi Morano, Debora Anelli, and Benedetto Manganelli. "Credit Risk Management of Property Investments through Multi-Criteria Indicators." Risks 9, no. 6 (2021): 106. http://dx.doi.org/10.3390/risks9060106.

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The economic crisis of 2008 has highlighted the ineffectiveness of the banks in their disbursement of mortgages which caused the spread of Non-Performing Loans (NPLs) with underlying real estate. With the methods stated by the Basel III agreements, aimed at improving the capital requirements of banks and determining an adequate regulatory capital, the banks without the skills required have difficulties in applying the rigid weighting coefficients structures. The aim of the work is to identify a synthetic risk index through the participatory process, in order to support the restructuring debt o

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14

Kiss, Endre. "A holland kölcsön elindulása és felelősei." Studia Theologica Transsylvaniensia 22, no. 2 (2019): 87–104. http://dx.doi.org/10.52258/stthtr.2019.2.04.

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Both the Saint Michael Parish of Cluj Napoca and the entire Diocese of Alba Iulia have been concerned for times with the issue of the loan taken out from the Netherlands. This issue was interpreted in different ways, it was divulged by both the Hungarian and Romanian press, and it also launched a public discussion. Yet, its exact background and focal point were unknown. In this study, I endeavour to present both the background and the protagonists of this delicate issue by exploring the contemporary documents. By taking out the Dutch loan the property of the parish was deposited as a mortgage.

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Jened, Rahmi. "Catatan Hukum Kritis Pembiayaan Sekunder Perumahan." Mimbar Hukum - Fakultas Hukum Universitas Gadjah Mada 31, no. 1 (2019): 15. http://dx.doi.org/10.22146/jmh.33212.

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Abstracthe existence of Secondary Mortgage Facility (SMF) in Indonesia is adopted from common law s tradition. It is not easy to adopt legal institutions derived from the common law tradition into our country that base on the civil law tradition. Furthermore, even though SMF has managed to solve mismatch and improve credit liquidity, hence there are some critical legal notes to SMF institution. This paper will discuss about the differences law and regulation of real property ownership, true sale for repurchase of loan and its secured transaction (mortgage) and the existence of Special Purpose

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Raslanas, Saulius. "RESEARCH OF MARKET VALUE OF MULTISTORY HOUSING IN VILNIUS." Technological and Economic Development of Economy 10, no. 4 (2004): 167–73. http://dx.doi.org/10.3846/13928619.2004.9637674.

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Over the recent years the market of multistory housing in Vilnius has developed intensively. For several years the VGTU Property Valuation Science Centre is doing the research into the market of multistory housing of Vilnius applying the regressive‐correlative analysis. The location (neighborhood), a house type, the year of construction and the condition of the flat have the biggest influence on flat pricing. During the analysis process of selling prices in separate neighborhoods of Vilnius similar results of variations in price curves are received. The dynamics of flat pricing in Vilnius over

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17

Zainudin, Farah Eleena, Mariana Mohamed Osman, Siti Wahidah Muhamad Yusop, and Mansor Ibrahim. "An Assessment on the Housing Auction Market in Selangor." Environment-Behaviour Proceedings Journal 4, no. 12 (2019): 19. http://dx.doi.org/10.21834/e-bpj.v4i12.1935.

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The first auction legislation in Malaysia was enacted in the states of Penang and Malacca in 1906. The real estate market including auction market is considered an effective method in selling real estate properties (Chyi, 2015). Auction is one method in selling property in a quick way but this method is consider as force sales as most properties sold due to owner unable to pay the monthly mortgage to the bank. There are advantages of buying property in auction market where the buyer can get the property cheaper than market value and the property usually has a matured environment. The downside

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18

STASHCHUK, Olena. "HOUSING FUNDING FORMS AND METHODS: CHARACTERISTICS AND APPLICATION PROSPECTS." WORLD OF FINANCE, no. 3(60) (2019): 99–107. http://dx.doi.org/10.35774/sf2019.03.099.

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Introduction. The socio-economic development of Ukraine depends, among other things, on effective housing policies. The existing living conditions of the population require their improvement, and the low level of real incomes does not create the conditions for this. At the same time, the complexity of the mechanism of functioning of the residential real estate market requires the development of an effective housing policy, one of the directions of which is the optimization of sources of housing construction and further development of the legal framework for housing construction in Ukraine. The

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Mishlanova, Marina Yur’evna. "NOTATION TOOLS OF BUSINESS MODELING OF THE SERVICES ON REAL ESTATE MARKET." Vestnik MGSU, no. 4 (April 2016): 119–29. http://dx.doi.org/10.22227/1997-0935.2016.4.119-129.

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The article is devoted to the development of the main provisions of realtor business modeling. In the paper the development of notational complex is presented, which is involved in the design of the conceptual model, the formation of a reference model of real estate business and basic rules for the implementation of the model. In the construction of the proposed model important notational aspects are highlighted. Functional orientation of real estate business for rendering services reflects a functional approach to business modeling. In order to ensure the assessment of the offered services it

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20

Arinata Thema, Komang Andhika Yuna. "Pelaksanaan Fidusia Pada Bank Perkreditan Rakyat Ulatidana Rahayu yang Tidak Mendaftarkan Jaminan Secara Online." Acta Comitas 4, no. 3 (2019): 421. http://dx.doi.org/10.24843/ac.2019.v04.i03.p07.

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A fiduciary guarantee is a guarantee that binds movable and immovable property on this matter which does not allow the mortgage to be imposed, in accordance with the provisions of article 1 paragraph 2 of the Fiduciary Law that one can be burdened with fiduciary objects, one of which is immovable property which cannot be encumbered by mortgage . Banks have businesses in the form of providing credit. Credit is a loan from a bank in the form of a sum of money to the borrower accompanied by the surrender of collateral. The problem that occurs is the people's credit banks whose fiduciary guarantee

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21

Chung, Joseph, Minh Chau To, and Minh Anh Thrin. "Une mesure composite du risque des prêts hypothécaires." Articles 58, no. 4 (2009): 463–76. http://dx.doi.org/10.7202/601033ar.

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Abstract In this study, a cardinal and continuous measure of the default risk of mortgage loans is proposed, in departure from past studies where that risk was measured by dichotomous or categorical variables. The cardinal and continuous measure of risk is obtained by use of the canonical factor analytic technique. The unique factor of risk is a linear combination of the rate of return on equity, of the break-even rental income and of the vacancy rate of the property, and also of the relative term of the mortgage loans. It is found that the default risk of mortgage loans is well explained by t

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Jiang, Yang, Yi-Chun (Chad) Ho, Xiangbin Yan, and Yong Tan. "When Online Lending Meets Real Estate: Examining Investment Decisions in Lending-Based Real Estate Crowdfunding." Information Systems Research 31, no. 3 (2020): 715–30. http://dx.doi.org/10.1287/isre.2019.0909.

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Lending-based real estate crowdfunding, which involves the use of real estate to secure loans, has emerged as a promising alternative with lower risk than peer-to-peer lending. This study provides insights into understanding how lenders’ investment behavior is shaped by various information in such an emerging market. Using a data set from a large platform over 17 months, the authors find that lenders as a whole prefer loans secured by a borrower’s house to those secured by a mortgage, as reflected in quicker and larger lending transactions. Experienced lenders tend to invest more aggressively,

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Krekoten, Iryna, Lyudmyla Svіstun, and Yulia Khudolii. "Prospects of using security mechanism in the process of rehabili-tation the building sphere in Ukraine." International Journal of Engineering & Technology 7, no. 3.2 (2018): 219. http://dx.doi.org/10.14419/ijet.v7i3.2.14406.

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In this article, securitization was investigated as one of the most important sources of financing for the construction of residential real estate in Ukraine. The main purpose of the article is to explore ways to refinance mortgage loans used in the world practice for the rehabilitation the building sphere in residential real estate and to identify ways of expanding and cheapening them. The authors have found that a depository financing model uses on the Ukrainian mortgage market has significantly reduced the possibilities for its development and makes the mortgage expensive. Also, the models

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Marschoun, Michael. "Availability of Mortgage Loans in Volatile Real Estate Markets." Journal of Urban Economics 47, no. 3 (2000): 443–69. http://dx.doi.org/10.1006/juec.1999.2151.

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Humbatova, Sugra Ingilab, and Natig Gadim-Ogli Hajiyev. "THE RELATIONSHIP BETWEEN OIL PRICES AND REAL ESTATE LOANS AND MORTGAGE LOANS IN AZERBAIJAN." International Journal of Energy Economics and Policy 11, no. 1 (2020): 341–54. http://dx.doi.org/10.32479/ijeep.10532.

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Сурженко, О. А. "Mortgage of property rights to real estate." Theory and practice of jurisprudence 2, no. 8 (2015): 7. http://dx.doi.org/10.21564/2225-6555.2015.2.63611.

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27

Zhang, Sanjian (William), John W. Paul, and Xuan Huang. "AKM Mortgages, Inc." Issues in Accounting Education 28, no. 4 (2013): 1031–48. http://dx.doi.org/10.2308/iace-50546.

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ABSTRACT This case uses a real mortgage company that was once the tenth largest mortgage loan originator in the U.S. The case sheds light on some important accounting issues in the mortgage bank industry and on industry-specific business risks. Students are required to read AKM's financial statements; identify business risks associated with its business practices; find red flags from the multiple-period cash flow statements; and, finally, comment on its accounting of mortgage loans held for sale, mortgage loans held for investment, and securities. This financial statement analysis case can hel

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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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Augustyniak, Hanna, Jacek Laszek, Krzysztof Olszewski, and Joanna Waszczuk. "Property valuation for mortgage purposes in Poland." Property Management 36, no. 2 (2018): 234–47. http://dx.doi.org/10.1108/pm-09-2016-0049.

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Purpose The purpose of this paper is to describe the property valuation methods that are applied in Poland. It shows that they base on international standards and are a reliable source of information for international investors and banks. Design/methodology/approach The valuation methods are described and critically assessed, potential problems are pointed out. The analysis of lending risk is analysed on data about non-performing loans (NPL). Findings Polish valuation methods are in line with international methods, but there are some risks, like small number of transactions, subjective behavio

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Rothstein, Mark A., and Laura Rothstein. "How Genetics Might Affect Real Property Rights." Journal of Law, Medicine & Ethics 44, no. 1 (2016): 216–21. http://dx.doi.org/10.1177/1073110516644212.

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New developments in genetics could affect a variety of real property rights. Mortgage lenders, mortgage insurers, real estate sellers, senior living centers, retirement communities, or other parties in residential real estate transactions begin requiring predictive genetic information as part of the application process. One likely use would be by retirement communities to learn an individual's genetic risk for Alzheimer's disease. The federal Fair Housing Act prohibits discrimination based on disability, but it is not clear that it would apply to genetic risk assessments. Only California law e

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Pelizza, Michela, and Klaus R. Schenk-Hoppé. "Pricing Defaulted Italian Mortgages." Journal of Risk and Financial Management 13, no. 2 (2020): 31. http://dx.doi.org/10.3390/jrfm13020031.

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Our paper forecasts the expected recovery rates of defaulted Italian mortgage loans backed by either residential or commercial real estate. We apply an exponential Ornstein–Uhlenbeck process to model the price dynamics at the provincial and regional level, and two haircut models to estimate the liquidation value. Compared to our findings, rating agencies such as Moody’s, which use geometric Brownian motion to model the price dynamics, paint a rosier picture with higher recovery rates. As a consequence, non-performing mortgage loans held by Italian banks might be overvalued.

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Hwang, Sungjoo, Moonseo Park, Hyun-Soo Lee, Yousang Yoon, and Bo-Sik Son. "KOREA N REAL ESTATE MARKET AND BOOSTING POLICIES: FOCUSING ON MORTGAGE LOANS." International Journal of Strategic Property Management 14, no. 2 (2010): 157–72. http://dx.doi.org/10.3846/ijspm.2010.12.

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The Korean real estate market is currently slowing down due to the global economic crisis, which resulted from subprime mortgage crisis in the United States. In response, the Korean government has adopted various policies in an attempt to deregulate real estate speculation. For example, the Loan to value ratio (LTV) has been increased in order to stimulate housing supply, demand, and housing transactions. However, these policies could potentially result in a mortgage crisis due to an increase in over‐amplified and high‐risk derivatives in Korea's secondary mortgage market. Consequently, the ho

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Kuzmina, Elena, and Andrei Ianin. "Modelling the profitability of reverse mortgage loans with life-long annuity payments." E3S Web of Conferences 203 (2020): 05020. http://dx.doi.org/10.1051/e3sconf/202020305020.

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The article deals with the economic mechanism of reverse mortgage as a loan product aimed at raising the welfare of senior citizens who own real estate, for organic farming and soil management. The article discusses the financial and historical aspects of the implementation of the reverse mortgage instrument, as well as defines a potential of implementation of this instrument in Russia. Having identified the potential, the authors also mentioned the factors that could prevent Russian banks from adopting this mechanism. The article addresses one specific factor – absence of adequate instruments

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Fishback, Price, Sebastian Fleitas, Jonathan Rose, and Ken Snowden. "Collateral Damage: The Impact of Foreclosures on New Home Mortgage Lending in the 1930s." Journal of Economic History 80, no. 3 (2020): 853–85. http://dx.doi.org/10.1017/s0022050720000352.

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The Great Depression of the 1930s involved a severe disruption in the supply of home mortgage credit. This paper empirically identifies a mechanism lying behind this credit crunch: the impairment of lenders’ balance sheets by illiquid foreclosed real estate. With data on hundreds of building and loans (B&Ls), the leading mortgage lenders in this period, we find that the overhang of foreclosed real estate explains about 30 percent of the drop in new lending between 1930 and 1935.

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Chamboko, Richard, and Jorge Miguel Bravo. "A Multi-State Approach to Modelling Intermediate Events and Multiple Mortgage Loan Outcomes." Risks 8, no. 2 (2020): 64. http://dx.doi.org/10.3390/risks8020064.

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This paper proposes a novel system-wide multi-state framework to model state occupations and the transitions among current, delinquency, default, prepayment, repurchase, short sale and foreclosure on mortgage loans. The approach allows for the modelling of the progression of borrowers from one state to another to fully understand the risks of a cohort of borrowers over time. We use a multi-state Markov model to model the transitions to and from various states. The key factors affecting the transition into various loan outcomes are the ability to pay as measured by debt-to-income ratio, equity

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Sitnikova, E. V., and D. E. Maksakov. "INTERREGIONAL ANALYSIS OF THE STATE AND DYNAMICS OF MORTGAGE LENDING." Region: systems, economy, management 2, no. 53 (2021): 174–81. http://dx.doi.org/10.22394/1997-4469-2021-53-2-174-181.

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Subject. Organizational and economic relations developing during the functioning of the housing market and mortgage lending. Topic. Interregional analysis of the state and dynamics of mortgage lending. Purpose. The purpose of the work is to develop directions for increasing the efficiency of mortgage lending as the most important tool for the development of the housing market. Methodology. The study was carried out using abstract-logical, comparative, economic and statistical approaches, a graphical technique for visualizing statistical and calculated data. Results. To analyze the state of mor

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Allred, G. K., S. M. Loeppky, and N. R. Mattson. "The real property report the early aftermath." CISM journal 43, no. 1 (1989): 21–24. http://dx.doi.org/10.1139/geomat-1989-0002.

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On September 1,1987, the Alberta Land Surveyors’ Association implemented a codified standard for the certification of building locations relative to property boundaries, i.e., building location certificates. Despite considerable discussion on the subject between members of the surveying profession and mortgage lenders, development officers and lawyers over the last several years, the implementation of this standard received instant attention from all participants in real estate transactions. The reaction to the implementation of this standard for real estate surveys varied from outright hos¬ti

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Zhu, Shuzhen, Yutao Chen, and Wenwen Wang. "Risk Assessment of Biological Asset Mortgage Loans of China’s New Agricultural Business Entities." Complexity 2020 (November 25, 2020): 1–12. http://dx.doi.org/10.1155/2020/8865840.

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The large-scale proliferation of China’s new type of agricultural entities has given rise to a higher demand for funds. Farmers have insufficient effective collateral, which makes it difficult for them to obtain sufficient loans. Chinese financial institutions have developed a biological asset mortgage loan business to cope with this situation. China has not considered biological mortgages but has been using real estate and asset mortgage models with strong realizability. This innovative financial business has achieved positive results since it was attempted, but it also faces many risks. It i

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Yurkiv, Nadiia, Oleksandr Dubrovin, and Serhii Davydenko. "State Support of Mortgage Lending as a Condition for Ensuring Stable Development of the National Economy." ЕКОНОМІКА І РЕГІОН Науковий вісник, no. 1(80) (March 25, 2021): 92–99. http://dx.doi.org/10.26906/eir.2021.1(80).2243.

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The issues of state support of mortgage lending in Ukraine as a tool to stimulate the housing market, expand the opportunities of a wide range of citizens to meet housing needs and ensure the stable development of the national economy are considered. The fragmentation of the state housing policy and various instruments of state support for housing market participants are noted. Emphasis is placed on the significant unrealized potential of the construction sector, whose contribution to the domestic economy is three times smaller than the European average. The state and dynamics of the housing s

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DVORETSKAYA, Yu A., and K. S. MAKHNOVSKAYA. "PROBLEMS AND PROSPECTS FOR THE DEVELOPMENT OF THE MORTGAGE LENDING MARKET IN RUSSIA." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2, no. 12 (2020): 64–69. http://dx.doi.org/10.36871/ek.up.p.r.2020.12.02.011.

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In connection with the transition to market principles for solving the issues of housing provision, one of the significant problems of the socio-economic development of Russia has become the multiple gap between the size of current monetary receipts of citizens and the high cost of residential real estate. This article examines the features of the mortgage lending market in Russia, the problems and prospects of its development, provides and analyzes the statistics of mortgage loans.

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Aggarwal, Tanu, and Priya Solomon. "A study on the mediating effect of residential loans on total real estate loans of banks in India." Journal of Property Investment & Finance 37, no. 5 (2019): 455–69. http://dx.doi.org/10.1108/jpif-03-2019-0034.

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Purpose The purpose of this paper is to examine the impact of residential and commercial loans on total real estate sector loans by using partial least square–structured equation modelling (PL–SEM) method. The residential loans as a mediator have been used to know the mediation effect between commercial and total real estate loans of banks in India. The residential loans as a mediator govern the relationship between commercial loans and total real estate loans in India. Real estate sector development is a lucrative opportunity for India. The real estate sector plays a major role in shaping eco

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Гуляева, О., and O. Gulyaeva. "The Mortgage Of Commercial Real Estate In The System Of Private Property." Scientific Research and Development. Economics 5, no. 6 (2018): 45–53. http://dx.doi.org/10.12737/article_5a2a5c7b9d5c44.03751440.

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One of the problems of small business today is the necessity for the productions sphere entrepreneurs to buy real estate premises. Commercial premises are very expensive and the deficit of immediately available funds causes an objective necessity in commercial mortgage. That is why there is a keen interest towards this topic. One of the strategic goals of the institutional modernization of modern Russian economy is to create an effective mechanism of the development of the commercial mortgage institution. As result there appear institutional models that reveal institutional character and uniqu

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Sardar, Tariq. "A DESCRIPTIVE ANALYSIS OF THE ROLE OF MORTGAGE PLANNING IN QUICK SALE OF RESIDENTIAL PROPERTIES IN THE CITY OF BRAMPTON, CANADA." International Journal of Advanced Research 8, no. 12 (2020): 107–15. http://dx.doi.org/10.21474/ijar01/12130.

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The research article describes the role of mortgage planning in sale of residential properties in the city of Brampton, Canada. Mortgage financing is an essential part of real estate buying & selling process in Canada where a number of people rely on mortgage loans to purchase houses. The need of housing is rapidly increasing but still a large quantity of listed properties is left UNSOLD in the real estate market despite of buyers demand. At the same time, the ratio of mortgage decline is also increasing and buyers cannot make a purchase without having the required funds. The paper examine

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Schiltz, Elizabeth R. "The Paradox of the Global and the Local in the Financial Crisis of 2008: Applying the Lessons of Caritas in Veritate to the Regulation of Consumer Credit in the United States and the European Union." Journal of Law and Religion 26, no. 1 (2010): 173–212. http://dx.doi.org/10.1017/s0748081400000941.

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In his recent encyclical Caritas in Veritate, Pope Benedict XVI grapples with one of the most vexing paradoxes concerning the current global economic crisis. There is no question that it is a global financial crisis. The collapse of the subprime mortgage loan market in the U.S. in 2007 prefigured similar collapses of real estate bubbles in other parts of the world. The collapse of these real estate bubbles exposed the degree of interconnectedness among financial institutions across the globe created by the worldwide market for the derivate investment products created on the backs of the underl

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Korzeb, Zbigniew. "The Real Estate and Credit Bubble in Spain; Implications for Poland." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 19(34), no. 2 (2019): 77–88. http://dx.doi.org/10.22630/prs.2019.19.2.25.

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The aim of this article is to establish whether the symptoms of an emerging housing bubble can be observed on the Polish market. The concept of this study is based on a comparison between economic, financial and demographic conditions at the time of the mortgage crisis in Spain and the current situation on the housing market and on the market of housing loans granted to households in Poland. An analysis of two economic indicators, (i) housing loans to households-to-GDP expressed in growth rates and (ii) rates of house price growth, does not indicate that a speculative bubble occurs in Poland n

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Wołowiec, Tomasz. "LEGAL AND ECONOMIC ASPECTS OF PROPERTY TAXATION IN THE EUROPEAN UNION." International Journal of Legal Studies ( IJOLS ) 1, no. 3 (2018): 231–78. http://dx.doi.org/10.5604/01.3001.0012.2179.

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A property tax (or millage tax) is a levy on real estate that the owner is required to pay. The tax is levied by the governing authority of the jurisdiction in which the real estate property is located; it may be paid to a national government, a federated state, a county or geographical region, or a municipality. Multiple jurisdictions may tax the same property. This is in contrast to a rent and mortgage tax, which is based on a percentage of the rent or mortgage value. There are four broad types of property: land, improvements to land (immovable man-made objects, such as buildings), personal

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Gagarina, M., and E. Vlasenkovab. "Attitudes Towards Advertising of Banking Loans Among Russians." Review of Business and Economics Studies 8, no. 4 (2021): 67–71. http://dx.doi.org/10.26794/2308-944x-2020-8-4-67-71.

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The article presents the results of an empirical study of the features of evaluating advertising of banking products. 99 respondents with a different experience of borrowing behaviour, aged 18 to 66, 37 per cent males, were assessed. The respondents were asked to rate, using the semantic differential methodology, two pictures depicting mortgage advertisements from VTB and Otkritie banks. By comparing the average values of the ratings, we found that advertising for banking products is evaluated more negatively, even if the ideal option is presented. Actual advertising images are rated significa

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Laia, Endang Mistaorina, and Hengki Tamando Sihotang. "Decision Support System to Determine Applicant Housing Credits With SAW Method on the House Complex of J. City Residence by Capital Property." Journal Of Computer Networks, Architecture and High Performance Computing 2, no. 2 (2020): 211–17. http://dx.doi.org/10.47709/cnapc.v2i2.402.

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J. City Residence provides subsidized housing loans facilities for people who earn below the average. The number of credit applicants with different criteria requires carefulness of the Credit Analyst in making decisions. This problem can be solved by building a Decision Support System (DSS) in determining the provision of subsidized mortgage loans using the Simple Additive Weighting (SAW) method. The criteria used are house condition (cost attribute), income (cost attribute), employment (benefit attribute), credit history (benefit attribute) and marital status (benefit attribute). The process

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Tarasov, Artem, Kseniya Chegosheva, and Helena Lobanova. "PROBLEMS OF PROPERTY VALUATION FOR THE PLEDGE." Interexpo GEO-Siberia 6, no. 1 (2019): 221–26. http://dx.doi.org/10.33764/2618-981x-2019-6-1-221-226.

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In the article there is information about problems of valuation of real estate for purposes of mortgage lending − the methodology of collateral, lack of legislative framework for the assessment of collateral. The basic concepts are given.

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Horvatova, Eva. "Twenty Years of Mortgage Banking in Slovakia." International Journal of Financial Studies 8, no. 3 (2020): 56. http://dx.doi.org/10.3390/ijfs8030056.

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Mortgage banking began to develop in Slovakia after 1998 as an ambitious project, the goal of which was to elevate the lagging development of the real estate market, the development of the financial market and the creation of banks’ long-term resources. Our goal is a comprehensive assessment of the development of Slovak mortgage banking for the past 20 years from the perspectives of the development of banking, the mortgage bond market, the real estate market and selected interactions between individual elements of the mortgage system. The specific aim of the study is to evaluate the substantia

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