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 18 of 18 for “"Mortgage markets"”.
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Essays In Mortgage Markets And Public Investment Cycles
In this dissertation, the first two chapters on mortgage markets show that statistical discrimination and market power derived by lenders from mortgage search costs of borrowers in the US have a large welfare cost for a borrower and are important sources of refinancing inaction. The third chapter …
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The impact of Federal Reserve’s policies on the residential mortgage markets
… quantitative easing (QE) by purchasing agency mortgage-backed securities and Treasury securities from the market in an attempt to resurrect the economy. This unconventional method of restoring the capital markets proved innovative and effective. During the COVID pandemic, the Federal Reserve …
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Secondary Mortgage Markets & Place-Based Inequality: Space, GSEs and Social Exclusion in the Philadelphia Region
Secondary Mortgage Markets and Place-Based Inequality: Space, GSEs and Social Exclusion in the Philadelphia Region Michael H. Norton Temple University, 2015 Doctoral Advisory Committee Chair: Dr. Anne Shlay In 2015 virtually the entire US mortgage market is subsidized by US taxpayers. When the …
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Linking housing and capital markets in the former Soviet Bloc : the status of residential mortgage bond and secondary markets in the Czech Republic, Hungary, Poland and Russia
… and establishing market-based residential mortgage systems. This thesis addresses the recent efforts of three former Soviet Bloc countries (the Czech Republic, Hungary and Poland) to fund residential mortgage lending through the use of mortgage bonds and capital markets (wholesale lending). …
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Bridging the Diffusion of Innovation Chasm for Green Housing
… problems for the housing debt capital markets, more specifically mortgage originators (lenders) and appraisers. Put into the context of the technology adoption life cycle this missing information prevents green homes from crossing the chasm into the mainstream market. As lenders and …
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Essays on integration vs. segmentation of financial markets
Essay I: Uniform Mortgage Regulation and Distortion in Capital Allocation The U.S. economy is significantly influenced by local features, but most federal policies are national. In this essay, I study the unintended consequences of the uniformity of the national conforming loan limit (CLL) before …
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Essays in Consumer Finance
… questions are important because, as the recent mortgage crisis suggests, the relationship between household financial decision making, the organization of consumer financial markets, and the optimal design of financial contracts is not well understood. Chapter 2 of the dissertation uses a …
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Essays on the transmission mechanism of monetary policy
… consumption in those economies where housing and mortgage markets are relatively more developed and competitive. Chapter 3: This chapter extends the existing cross-country housing empirical literature focusing on the main fundamental factors affecting house price dynamics in a number of ways. …
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Consumption and saving decisions in the face of choices about housing and pensions
… steady states following shocks to income and mortgage markets, are studied. The findings suggest that credit shocks are more promising than income shocks as a potential explanation of large house price fluctuations and housing transactions level that covary positively with prices. The final …
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BUILDING SOCIETY MARKETING STRATEGIES: THE ROLE OF SERVICE IMAGE
… have experienced dramatic change in the markets in which they operate. Deregulation has provided societies with the powers to enter new and very different markets. Societies wishing to re-work their strategies to exploit the new opportunities however did so with the knowledge that their …
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Three essays on consumer finance
… thesis focuses on the regulation and design of markets for financial contracts, and their impact on household financial health. The first chapter studies the role of consumer protection law in the function of mortgage markets in the United States. Consumer protection laws are intended to improve …
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Financialization of housing, social policy and inequality
… African housing market and its implications for mortgage and housing access in low-income segments of society along with the role of public homeownership promotion policies. The analysis shows how the evidence of financialization processes, such as an increasingly relevant financial sector, …
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Essays on the impacts of household financial decision making.
… decision making in three different areas: mortgages, superannuation and family businesses. The questions posed in each case cannot be tackled using conventional financial databases. I therefore address each case by applying survey methods. First, I examine the socioeconomic impacts of …
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Essays in Financial Economics
… of new technologies on traditional financial markets including venture capital market and mortgage market. In a joint work with Fangzhou Lu, we document in Chapter 1 the heterogeneous effects of new technology on venture capital investment. Venture capital, an undoubtedly successful way of …
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The Institutionalization of Homeownership in Emerging Economies: A Case Study of Peru
… dissertation explores 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 …
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Low-income homeownership for intergenerational mobility - the role of intermediaries in risk mitigation
… the complexities of risk-based pricing in mortgage markets, entrenched space and social stratification in city regions, remnants of historical disadvantage for marginalized racial groups, and the inherent risks of poverty make it difficult for low-income and minority households to reap the …