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- W2102407258 abstract "We shed new light on the role of borrower characteristics in mortgage product choice, and how these are impacted by regulatory capital requirements. Using rich loan-level data from the Australian market, we analyse the borrower idiosyncratic risk effects on the choice between variable-rate mortgages and other mortgages with reduced initial payments. We find that income, wealth and mobility risks play a role in product choice. We investigate regulatory capital requirements in a market where banks hold mortgage risk on balance sheet and find that the Basel capital discounts based on loan-to-valee ratios divide otherwise similar borrowers in their mortgage choices." @default.
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- W2102407258 date "2015-07-14" @default.
- W2102407258 modified "2023-10-12" @default.
- W2102407258 title "Mortgage Choice Determinants: The Role of Risk and Bank Regulation" @default.
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- W2102407258 doi "https://doi.org/10.1111/1475-4932.12205" @default.
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