Essays about: "mortgage interest rate"

Showing result 1 - 5 of 36 essays containing the words mortgage interest rate.

  1. 1. The Effect of Monetary Policy On Divorce: Evidence From Australia Between 2007 And 2018

    University essay from Handelshögskolan i Stockholm/Institutionen för nationalekonomi

    Author : Chung Shun Man; [2023]
    Keywords : Monetary policy; Fixed-variable rate Mortgage; Divorce; Australia;

    Abstract : The effect of monetary policy on divorce has implications on intra-household resource allocation and inequality. This thesis utilizes the HILDA data in Australia between 2007 and 2018. It has identified three potentially unexpected monetary policy shocks that could affect marital status. READ MORE

  3. 2. Opening The Gates to The Swedish Mortgage Market - A Study on How the Recent Emergence of Mortgage Credit Companies Affects Real Interest Rates in Sweden

    University essay from Handelshögskolan i Stockholm/Institutionen för finansiell ekonomi

    Author : Hanna Eriksson; Ludvig Höjman; [2023]
    Keywords : Mortgage credit companies; Lag 2016:1024; average mortgage interest rate; policy rate transmission;

    Abstract : This paper examines the impact of the emergence of mortgage credit companies (MCCs) on real mortgage interest rates in Sweden. Our results reveal that MCCs exert downward pressure on average mortgage interest rates for the whole market and monetary financial institutions (MFIs), with statistical significance for most interest rate fixation periods. READ MORE

  4. 3. Unconventional Monetary Policy in Scandinavia: A Local Projection Analysis of House Prices

    University essay from Lunds universitet/Nationalekonomiska institutionen

    Author : Saga Karlsson; Liza Tchibalina; [2023]
    Keywords : Unconventional Monetary Policy; House Prices; Mortgage Interest Rates Transmission Mechanisms; Local Projections; Scandinavia; Business and Economics;

    Abstract : This paper investigates the spillover effects of unconventional and conventional monetary policy measures on house prices in Denmark, Norway, and Sweden. Two notable results were found using the local projections method and data, including the years of the Covid Pandemic and the Invasion of Ukraine. READ MORE

  5. 4. A Mixed-Method Case Study of Swedish Loan Officers' Mortgage Credit Decisions

    University essay from Uppsala universitet/Företagsekonomiska institutionen

    Author : Leonard Ekberg; [2022]
    Keywords : Loan Officers; Judgment; Mortgage Credit Decisions; Inconsistency;

    Abstract : This thesis purpose was to examine to what extent and why loan officers’ judgment influence mortgage credit decisions. A mixed method was used to collect primary data from loan officers’ at a Swedish commercial bank. READ MORE

  6. 5. Expect the Unexpected: Measuring Noise & Bias in the Credit Assessment Process

    University essay from Lunds universitet/Företagsekonomiska institutionen

    Author : Jacob Skoglund; Leonard Ekberg; Pontus Govenius; [2022]
    Keywords : mortgage; credit assessment; loan officer; decision-making; bias; noise; kreditgivningsprocess; kredithandläggare; beslutsfattande; Business and Economics;

    Abstract : The purpose of the thesis is to measure how bias impacts loan officers’ decision-making upon assessing mortgage applications and the level of noise embedded within the process. Quantitative data were collected from 15 loan officers working at three different branches at Handelsbanken answering a questionnaire based on fictional mortgage applications. READ MORE