Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 13 of 13 for “"Mortgage Credit"”.
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The effect of interest rates on the demand for mortgage credit in South Africa
This paper uses novel and detailed mortgage origination data to estimate the interest rate elasticity of mortgage demand along the intensive margin in South Africa. I find that homebuyers increase the size of the mortgage they take out by 2.8 percent in response to a 1 percentage point decrease in …
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Alternative mortgage instruments : their distributional effects on homeownership, housing consumption, and the use of mortgage credit.
Thesis. 1977. Ph.D.--Massachusetts Institute of Technology. Dept. of Urban Studies and Planning.
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Pre-contractual assessments in mortgage loans: Promoting responsible lending or exacerbating financial exclusion? - A comparative study of the South African National Credit Act and the European Mortgage Credit Directive
… years, pre-contractual assessments in consumer credit agreements, including affordability assessments, have made their way up the priority ladder for legislators. International institutions such as the World Bank promote pre-contractual (affordability) assessments as a key regulatory tool in the …
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Essays on housing economics and real estate finance
… This first chapter examines the impact of mortgage credit supply contraction on the supply and pricing of rental housing in the wake of the 2008-2009 financial crisis. We provide estimates of (1) the size of mortgage credit supply shocks at the county-level across the United States; (2) the …
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FinTech mortgage lenders solving or exploiting a friction? evidence on risk layering and prepayment risk of conforming loans
Fintech mortgage lenders have become an increasingly important source of mortgage credit in the US. Using loan-level data on mortgages sold to Fannie Mae and Freddie Mac (GSEs), I find that compared to traditional lenders, Fintech lenders are more likely to address credit demand from low credit …
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Has growth in the money supply since 1971 led to increased inequality?
… inflation and structurally higher monetary and credit growth, and the decades long trend of reduced income inequality in developed economies was reversed. This thesis puts forward the hypothesis that these two events are related and that there are monetary policy roots to the increased income …
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Essays in Consumer and Small Business Finance
… The last US housing boom and the development of mortgage securitization are commonly believed to fuel the credit expansion before the financial crisis. The first two chapters contribute to these discussions by investigating the bank-lending channel through which housing shocks and mortgage …
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Local Interactions Between Firms And Consumers
… and consumers shape their interactions in local credit markets. For firms, proximity provides information about the preferences and credit quality of local consumers. For consumers, it facilitates gathering information about product availability and the prices at local firms. I explore these …
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Three Essays in Banking
… period. One is the impact of liquidity risk on credit supply, and the second is the effect of portfolio choices on the probability of bank failure. The third essay shifts the focus from commercial banks to M & A transactions, and studies the impact of a key provision in merger agreements on the …
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Essays on the Chinese and the U.S. Housing Markets
… efforts to cool the housing market by tightening mortgage credit supply. I find that publicly traded housing developers listed on the Shanghai, Shenzhen or Hong Kong stock exchanges suffered an average of -15% cumulative abnormal return (CAR) in a short event window around the policy announcement. …
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Street Credit: Neighborhood Level Predictors of Financial Inclusion in Four U.S. Metropolitan Areas
… savings and indebtedness, the types of consumer credit utilized, and levels of unbanked and underbanked populations. The central aim of this research is to address this lack of understanding by using quantitative analytical tools including geographic information systems (GIS) and spatial …
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Estrategia de posicionamiento para la línea de financiación de vivienda usada, en una entidad financiera
Las entidades financieras constantemente están generando nuevos productos de financiación. La empresa objeto de estudio, es una entidad financiera posicionada en el mercado en líneas de consumo y libranza, y tiene dentro de sus intereses posicionarse en la línea de vivienda usada en un término de …
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The Institutionalization of Homeownership in Emerging Economies: A Case Study of Peru
… the ways in which housing markets based on mortgage-backed homeownership develop in an emerging economy. This is a case study of the institutions, actors, and financial practices at play. It contributes to the debates in the areas of the financialization of housing, the production of urban …