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- W1699177240 abstract "We study the effect of mortgage prepayment penalties on borrowers' prepayments and delinquencies by exploiting a 2007 reform in Italy that reduced penalties on outstanding mortgages and banned penalties on newly-issued mortgages. Using a unique dataset of mortgages issued by a large Italian lender, we provide evidence that: 1) before the reform, mortgages issued to riskier borrowers included larger penalties; 2) higher prepayment penalties decreased borrowers' prepayments; and 3) higher prepayment penalties did not affect borrowers' delinquencies. Moreover we find suggestive evidence that prepayment penalties indirectly affected prepayments and delinquencies through borrowers' mortgage selection at origination, especially for riskier borrowers." @default.
- W1699177240 created "2016-06-24" @default.
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- W1699177240 date "2015-01-01" @default.
- W1699177240 modified "2023-09-26" @default.
- W1699177240 title "The Role of Prepayment Penalties in Mortgage Loans" @default.
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- W1699177240 doi "https://doi.org/10.2139/ssrn.2578260" @default.
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