Academic literature on the topic 'Shared appreciation mortgages'
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Journal articles on the topic "Shared appreciation mortgages"
Murphy, J. Austin. "A practical analysis of shared‐appreciation mortgages." Housing Policy Debate 2, no. 1 (January 1991): 43–48. http://dx.doi.org/10.1080/10511482.1991.9521042.
Full textSanders, Anthony B., and V. Carlos Slawson. "Shared appreciation mortgages: Lessons from the UK." Journal of Housing Economics 14, no. 3 (September 2005): 178–93. http://dx.doi.org/10.1016/j.jhe.2005.07.007.
Full textShiller, Robert J. "Why Is Housing Finance Still Stuck in Such a Primitive Stage?" American Economic Review 104, no. 5 (May 1, 2014): 73–76. http://dx.doi.org/10.1257/aer.104.5.73.
Full textMihaylov, George, and Ralf Zurbruegg. "The Socioeconomic Impact of Shared Appreciation Mortgages on Borrowers: Empirical Evidence from South Australia." Urban Studies 51, no. 2 (June 6, 2013): 371–89. http://dx.doi.org/10.1177/0042098013489744.
Full textBorgersen, Trond Arne. "The optimal LTV-ratio, mortgage market variability and monetary policy regimes." Journal of Financial Economic Policy 9, no. 02 (May 2, 2017): 225–39. http://dx.doi.org/10.1108/jfep-06-2016-0044.
Full textJiang, Shan, and Chen L. Miller. "International Real Estate Review." International Real Estate Review 22, no. 2 (June 30, 2019): 169–96. http://dx.doi.org/10.53383/100279.
Full textLee, Soo-Jin, and Joo-Hyun Cho. "Analysis of Selection Factors for Mortgage: Focus on Shared Appreciation/Depreciation Mortgage and Ordinary Mortgage." Korean Association for Housing Policy Studies 25, no. 2 (March 30, 2017): 71–93. http://dx.doi.org/10.24957/hsr.2017.25.2.71.
Full textDas, Sanjiv R. "The Principal Principle." Journal of Financial and Quantitative Analysis 47, no. 6 (October 4, 2012): 1215–46. http://dx.doi.org/10.1017/s0022109012000506.
Full textSanders, Anthony B., and V. Carlos Slawson. "Shared Appreciation Mortgages: Lessons from the UK." SSRN Electronic Journal, 2005. http://dx.doi.org/10.2139/ssrn.772784.
Full textBernstein, David P. "The Use of Shared Appreciation Mortgages to Increase Demand for 15-Year Mortgages." SSRN Electronic Journal, 2009. http://dx.doi.org/10.2139/ssrn.1405438.
Full textDissertations / Theses on the topic "Shared appreciation mortgages"
Mihaylov, George Simon. "Essays on the impacts of household financial decision making." Thesis, 2015. http://hdl.handle.net/2440/92662.
Full textThesis (Ph.D.) -- University of Adelaide, Business School, 2015
Liu, Shu-Ren, and 劉書任. "The Impact of Macroeconomic Variables for Shared Appreciation Mortgage." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/36380660379800862355.
Full text國立清華大學
計量財務金融學系
100
Shared appreciation mortgage(SAM) is an innovative financial products under the background of a long-term acceleration in inflation and higher market interest rates. The originator of SAM lends the house owner at a below-market mortgage rate in order to obtain a certain percentage of the appraised value on the collateralized property. In view of the failure of SAM development under asymmetric information in United Kingdom during 1996 to 1998, this article intends to use the basic nature of SAM, based on the past literature about pricing model, to distribute the SAM contract into two parts, which can help explain the inadequacy of market information. First part is Credit Facility, given the variable assumptions and limitations, which goal is establishing a loan covenants related factor model. The second part is the use of binomial tree method and adding of other effective factor like moral hazard, in order to obtain the value of early exercise, default and the loan covenant. Furthermore, we will include inflation rate, market interest rate among the above basic model, then we will make an analysis of the impact of these macroeconomic variables for the contract value of SAM, the expiration date of SAM, the payment of each month and the ratio of shared appreciation.
Khandoker, Tajkira. "A stock-flow-consistent model of macroeconomic and financial instability." Thesis, 2019. http://hdl.handle.net/1959.13/1397937.
Full textWhile the 2007-2008 global financial crisis (GFC) began as a localised financial disturbance due to the collapse of the US real estate boom, it quickly transformed into a global economic downturn due to the inter-connectivity of the international financial system. The aim of this study has been to analyse the underlying causes of the 2007–2008 GFC through a stock-flow-consistent macroeconomic modelling approach (SFC). Economists following the Post-Keynesian tradition believe that the slackening aggregate demand in both the US and in many other nations has been caused by policies of continual fiscal withdrawal, aggravated by the decades-long decline of wage share in the GDP, which in combination has led the non-government sector into cumulative deficits and rising indebtedness. The key contribution of this study has been an investigation into the impact of this coupling of real wage repression and declining government, complemented by an analysis of financial behaviour on the part of private sector agents (e.g. credit rationing, asset price appreciation), which was seen to have undermined financial and macroeconomic stability in the US (and elsewhere). To this end, a tractable, and parsimonious stock-flow-consistent macroeconomic model (SFC) with four-sectors (household, production firm, commercial bank and consolidated government) was constructed. Three independent sets of simulations, focusing, respectively, on: (i) government-expenditure and wage-share shocks; (ii) wage-share, interest-rate and-house-price shocks, and, (iii) marginal propensity to consume (MPC), interest-rate, and-house-price shocks were analysed by examining the aftershock paths of most of the key growth variables, both the short run and long run. The first and second set of simulations had similar consequences for the economy. However, due to the presence of capital gains from house price appreciation, in the second set, the increasing net wealth of the households boosted autonomous consumption. The third set featured growth of consumption induced by income. In summary, policies aimed at promoting a consistent and rapid appreciation of asset prices, as pursued by many nations, were shown to be associated with burgeoning private debt, ultimately, with recessionary consequences. Hopefully, this thesis will contribute to a better understanding the downside for policies of this kind, which characterise the current era of New Capitalism—one marked, in particular, by consumption-related expenditure that has become more autonomous in relation to disposable income. The findings can also be applied to the evaluation of more sustainable policy alternatives—including those associated with a currency-sovereign government exploiting its freedom to engage in fiscal policy directed at the maintenance of overall macroeconomic and financial stability.
Book chapters on the topic "Shared appreciation mortgages"
Iezman, Stanley L. "The Shared Appreciation Mortgage and the Shared Equity Program." In Housing and the New Financial Markets, 387–95. Routledge, 2019. http://dx.doi.org/10.4324/9780429335167-28.
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