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- W2908781980 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 before and after the reform, we provide evidence that: 1) before the reform, mortgages issued to riskier borrowers included larger penalties; 2) higher prepayment penalties decreased borrowers' prepayments; 3) higher prepayment penalties did not affect borrowers' delinquencies; and 4) prepayment penalties indirectly affected prepayments and delinquencies through borrowers' mortgage selection at origination, especially for riskier borrowers." @default.
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- W2908781980 date "2015-03-01" @default.
- W2908781980 modified "2023-09-27" @default.
- W2908781980 title "The Role of Prepayment Penalties in Mortgage Loans" @default.
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