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- W2017605215 abstract "Redemption laws give mortgagors the right to redeem their property following default for a statutorily set period of time. This paper develops a theory that explains these laws as a means of protecting landowners against the loss of non-transferable values associated with their land. A longer redemption period reduces the risk that this value will be lost but also increases the likelihood of default. The optimal redemption period balances these effects. Empirical analysis of cross-state data from the early twentieth century suggests that these factors, in combination with political considerations, explain the existence and length of redemption laws." @default.
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- W2017605215 date "2006-01-01" @default.
- W2017605215 modified "2023-10-18" @default.
- W2017605215 title "An Economic Theory of Mortgage Redemption Laws" @default.
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- W2017605215 doi "https://doi.org/10.2139/ssrn.952503" @default.
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