Inflation of home appraisal values and the access to mortgage loans of credit constrained borrowers

Díaz-Serrano, Luís

doi:10.1016/j.iref.2019.05.003

Cited by 6 publications

(2 citation statements)

References 15 publications

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“…The development of 2W repo rates will also be affected by inflation. According to CNB forecasts [18], the euro area economy slipped into deflation for the first time in four years in the summer. During the current economic crisis, there has been a significantly lower decline in import prices in the manufacturing industry.…”

Section: Conclusion and Discussionmentioning

confidence: 99%

Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society

Svobodová

Hedvičáková

2021

SHS Web of Conf.

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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 research methodology is described, the key part brings results of development of mortgage loans, development of interest rates and the analysis of the current situation on the mortgage loan market with estimation of future development. The last part is focused on the comparison of selected mortgage loans provided by five financial institution. The article is based on primary and secondary sources. A detailed research together with the analysis and critical assessment of accessible materials will enable to identify the main objectives in the field of study. Findings & Value added: Interest rates on mortgage loans have on the Czech market downward trend in the last years. The best conditions scored in 2019 loan from building society Modrá pyramida. The overall situation in 2020 cause lower interest rates in the mortgage loans. Lower annual percentage rate of charge and smaller monthly mortgage loan repayment and the total overpayment also correspond.

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Section: Conclusion and Discussionmentioning

confidence: 99%

Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society

Svobodová

Hedvičáková

2021

SHS Web of Conf.

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“…Having considered all the stages of a bank's credit risk management, we can give the following definition to this concept -the risk management process is nothing more than a system of measures aimed at identifying, analyzing, managing and controlling credit risks [10]. that allow a credit institution to reduce or even avoid losses and losses arising from the occurrence of credit risks.…”

Section: Fig 1 the Dynamics Of Mortgage Lending In Russiamentioning

confidence: 99%

Mortgage and mortgage lending as a tool for financial recovery of the modern Russian economy

Rybak

2021

E3S Web Conf.

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The article is devoted to the institutional analysis of the problem of improving the legal regulation of mortgage relations in Russia in modern conditions in the presence of a rather limited financial capacity of the population in modern conditions to purchase real estate or housing. In this regard, the mortgage becomes the most necessary tool to ensure the socio-economic development of society, its stable and sustainable development. The formation of the property base currently generates a corresponding demand in the real estate market, and develops a corresponding interest among consumers in mortgage lending. At the same time, the emerging financial mechanism of mortgages also ensures the formation of the solvency of not only the population, but also other market participants, so that this market segment becomes not only in demand, but also successfully developed. Considering this problem, the author sought to update the scientific, theoretical and practical interest in this topic and to reveal the problems that hinder the development of mortgages as an important factor in the financial recovery of the modern market economy.

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The role of interest rate environment in mortgage pricing

Ahmad

Shehzad

2024

International Review of Economics & Finance

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Inflation of home appraisal values and the access to mortgage loans of credit constrained borrowers

Cited by 6 publications

References 15 publications

Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society

Mortgage Loans and Impacts of the Global Pandemic COVID-19 in the Globalized Society

Mortgage and mortgage lending as a tool for financial recovery of the modern Russian economy

The role of interest rate environment in mortgage pricing

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