Macroeconomic factors influence on mortgage interest rate type demand

Levišauskaitė, Kristina; Varanauskienė, Julita

doi:10.7220/aesr.1822.7996.2013.7.2.7

Cited by 5 publications

(4 citation statements)

References 11 publications

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“…Group statistic and Equality of group mean testindicated that female investors tend to exhibit higher levels of overconfidence and anchoring biases, while male investors tend to exhibit higher levels of loss aversion, herding, and hindsight biases. This finding is consistent with the work of Levišauskaitė and Kartašova (2011) and Lee, Miller, Velasquez and Wann (2013), but contradicts previous research by Jaiswal and Kamil (2012), Onsomu (2014), and Willows and West (2015) who found that men were more overconfident than women. Younger investors tend to exhibit more overconfidence and loss aversion biases, while experienced investors tend to be more overconfident, aligning with research by Lin (2011), Zaidi and Tauni (2012), Murithi (2014) but contradicting the findings of Qadri and Shabbir (2014) who found no relationship between experience and overconfidence, and Bashir et al (2013) who found experienced investors to have high herding behavior.…”

Section: Discussion Discussionsupporting

confidence: 86%

Behavioral Biases and Portfolio Strategies: Analyzing the Impact on Investor Decision Making in the Nepalese Stock Market

Nepal,

Gyawali

2023

CJFA

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Our paper explored the impact of demographic variables on the manifestation of behavioral biases among Nepalese portfolio investors as they make investment decisions. Our research analyzed the relationship between age, gender, and experience, and five common biases such as overconfidence, anchoring, herding, loss aversion, and hindsight. Our survey of 132 investors revealed that demographic factors play a role in the presence of these biases, with female investors exhibiting higher overconfidence and anchoring biases, while male investors displayed loss aversion, herding, and hindsight biases. Younger investors were found to be more overconfident and prone to loss aversion, whereas more experienced investor demonstrated greater overconfidence in their analysis skills. This paper provides crucial insight into the importance of considering demographic factors in addressing investment decision-making biases. It’s worth noting that the responses and sample location may not be fully representative.

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Section: Discussion Discussionsupporting

confidence: 86%

Behavioral Biases and Portfolio Strategies: Analyzing the Impact on Investor Decision Making in the Nepalese Stock Market

Nepal,

Gyawali

2023

CJFA

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“…Levišauskaite and Varanauskine see household income, housing prices, inflation and interest rates for stability of loans as the most important factors for credit defaults (Levišauskaite & Varanauskine, 2013). Rottke and Gentgen wrote that the gross domestic product and the unemployment rate were the strongest macroeconomic factors with the most implications not only on the German real (Rottke & Gentgen, 2008).…”

Section: Research Design and Methodologymentioning

confidence: 99%

Two Approaches to Examine the Impact of Different Credit Default Indicators on Real Estate Loans

Pfalz

2019

Baltic Journal of Real Estate Economics and Construction Management

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Financing of real estates was a trigger of the largest financial crisis after the “Great Depression” from the early thirties in the last century. One of the main causes of this 2007 crisis was poor risk management in real estate financing. The aim of this paper is to examine the impact of different classes of indicators on credit default rates of real estate loans. Two research approaches should confirm a model that proves how strong the relationship is between different predictor variables such as interest rates, macroeconomic and individual indicators on the response variable of credit defaults. The first approach focuses on conducting descriptive and inferential experimental research by collecting secondary data in different markets and by analysing these data for correlations and linear regressions. The second approach is an expert survey of different banks to compare and complement the results of the first research approach. The research provides the evidence that individual indicators and macroeconomic indicators have a higher impact on credit defaults than interest rates. The scientific research on this theme has led to nearly the same results in different markets: the unemployment rate and thus personal conditions are the most responsible predictors for the credit defaults, also in different markets. The novelty of the present research is the proof that a banking survey with primary data on the causes of credit defaults confirms and complements the results of the secondary data analysis.

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“…It is necessary for lenders to understand the relationship between macroeconomic factors and credit default risk and foreclosures in order to manage this risk (Nang et al, 2003). Levišauskaite and Varanauskine see household income, housing prices, inflation and interest rates for stability of loans as the most important factors for credit defaults (Levišauskaite & Varanauskine, 2013). Rottke and Gentgen wrote that the gross domestic product and the unemployment rate were the strongest macroeconomic factors with the most implications not only on the German real estate market (Rottke & Gentgen, 2008).…”

Section: Literature Reviewmentioning

confidence: 99%

International Scientific Conference "New Challenges in Economic and Business Development – 2020: Economic Inequality and Well-Being" : Proceedings

2020

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In developed countries there is a valuable experience how to include people with disabilities into society: involve in several activities and let them know as people valuable for the society. More and more academic research is devoted to those aspects as well as public policy is developed to create and support social entrepreneurship. Aim of the paper is to analyse findings and good practice of employment of people with mental disabilities in several countries and analyse the situation and possible developments on employment of people with mental disabilities in Latvia. Tasks of research: 1) analyse results of academic findings on good practice and challenges in employment of people with mental disabilities wold-wide; 2) analyse the developments and trends on employment of people with mental disabilities in Latvia; 3) propose possible development scenarios on employment of people with mental disabilities in Latvia. Research methods used in research: scientific publications analysis; analysis of legislative documents on employment of people with mental disabilities, analysis of statistical data on employment of people with mental disabilities. Research results have shown that in recent years many important steps in employment of people with mental disabilities in Latvia has been reached but there are some difficulties in realise of sustainability in this aspect.

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Macroeconomic factors influence on mortgage interest rate type demand

Cited by 5 publications

References 11 publications

Behavioral Biases and Portfolio Strategies: Analyzing the Impact on Investor Decision Making in the Nepalese Stock Market

Behavioral Biases and Portfolio Strategies: Analyzing the Impact on Investor Decision Making in the Nepalese Stock Market

Two Approaches to Examine the Impact of Different Credit Default Indicators on Real Estate Loans

International Scientific Conference "New Challenges in Economic and Business Development – 2020: Economic Inequality and Well-Being" : Proceedings

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