How Homeowners Choose Between Fixed And Adjustable Rate Mortgages

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How Homeowners Choose Between Fixed and Adjustable Rate Mortgages?

Author : Yevgeny Mugerman
Publisher :
ISBN 13 :
Total Pages : 27 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis How Homeowners Choose Between Fixed and Adjustable Rate Mortgages? by : Yevgeny Mugerman

Download or read book How Homeowners Choose Between Fixed and Adjustable Rate Mortgages? written by Yevgeny Mugerman and published by . This book was released on 2015 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing is the most important asset in the portfolio of most households. Understanding the households' decision on housing finance has important implications from a policy perspective, due to the effects it may have on the housing prices, on the housing market stability and on household welfare. The theoretical literature on housing finance focused on figuring out the optimal choice between Fixed Rate Mortgages (FRM) and Adjustable Rate Mortgages (ARM). We argue that the standard economic criteria are sometimes inadequate to explain household's choices, which may be motivated by psychological factors. In other words, we claim that household's choice depends only partially on the findings of the theoretical literature. We examine the effect of changes in the short term market interest rate on the households' choice between fixed rate mortgages (FRM) and adjustable rate mortgages (ARM). We test this effect using a unique data provided to us by the Bank of Israel, which contains detailed information on the household's decision between fixed and adjustable rate mortgage contracts in Israel in the past decade. The results of our analysis demonstrate a significant association between FRM preference and short term interest rate reduction. Moreover, we find that the change in the short term interest rate is more salient to the borrowers in periods of a high interest rate environment. We attribute these findings to Tversky and Kahneman (1974) availability and representativeness heuristics.

The Homeowners' Legal Bible

Author : Martin M. Shenkman
Publisher : John Wiley & Sons
ISBN 13 : 0471221228
Total Pages : 334 pages
Book Rating : 4.4/5 (712 download)

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Book Synopsis The Homeowners' Legal Bible by : Martin M. Shenkman

Download or read book The Homeowners' Legal Bible written by Martin M. Shenkman and published by John Wiley & Sons. This book was released on 2004-02-04 with total page 334 pages. Available in PDF, EPUB and Kindle. Book excerpt: The single legal resource every homeowner should have at hand . . . THE HOMEOWNER'S LEGAL BIBLE Owning a home is a dream come true for millions of Americans. But there's more to being a homeowner than just finding and financing the right house. In fact, closing on your new home is only the beginning of a long involvement with what is probably the most valuable asset you'll ever own. A multitude of legal issues-including taxation, insurance, and financial considerations-can and will arise over the course of the life of your home, and you'd better be prepared to deal with them. This book is the ultimate resource for responsible homeowners, designed to help you avoid pitfalls and take full advantage of the considerable benefits of being a homeowner. Every vital legal topic of homeownership is covered, including: * Buying your home, from financing to closing * Tax ramifications and advantages of homeownership * Insuring your home against liability and protecting it with security measures * Leasing or renting your home to tenants * Selling your home * Estate planning and bequeathing your home to an heir * And much more So put The Homeowner's Legal Bible on your shelf and put your mind at ease, because you'll be prepared to deal with any complication-or opportunity-that comes your way.

Factors Affecting Borrower Choice Between the Fixed and Adjustable Rate Mortgages

Author : Mark Christopher Lino
Publisher :
ISBN 13 :
Total Pages : 232 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Factors Affecting Borrower Choice Between the Fixed and Adjustable Rate Mortgages by : Mark Christopher Lino

Download or read book Factors Affecting Borrower Choice Between the Fixed and Adjustable Rate Mortgages written by Mark Christopher Lino and published by . This book was released on 1987 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Consumer Mortgage Choice Between Fixed-rate Mortgages and Adjustable-rate Mortgages

Author : Hsiu-Wen Wu
Publisher :
ISBN 13 :
Total Pages : 386 pages
Book Rating : 4.E/5 ( download)

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Book Synopsis Consumer Mortgage Choice Between Fixed-rate Mortgages and Adjustable-rate Mortgages by : Hsiu-Wen Wu

Download or read book Consumer Mortgage Choice Between Fixed-rate Mortgages and Adjustable-rate Mortgages written by Hsiu-Wen Wu and published by . This book was released on 1992 with total page 386 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Choosing Between Fixed and Adjustable Rate Mortgages

Author : Monica Paiella
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis Choosing Between Fixed and Adjustable Rate Mortgages by : Monica Paiella

Download or read book Choosing Between Fixed and Adjustable Rate Mortgages written by Monica Paiella and published by . This book was released on 2007 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper estimates the determinants of households' choice between fixed rate (FRM) and adjustable rate mortgage (ARM) contracts, using the Bank of Italy's Survey of Household Income and Wealth. Contrary to the predictions of the theoretical literature, the analysis shows that most household characteristics proxying for exposure to other, non-mortgage-related risks and for individual risk aversion are irrelevant for the choice. This, in turn, crucially depends on the relative price of the mortgages and on whether the household is liquidity constrained. Liquidity constrained households find ARMs particularly attractive because their initial payments are generally lowest. This is so despite some evidence that the premium that lenders charge over their cost of funds is substantially higher on ARMs than on FRMs. Taken together, the evidence suggests that ARM holders do not fully take into account the risk of a rise of the reference interest rates. On the other hand, lenders price quite expensively this risk and borrowers end up paying a high price for the benefit of low initial payments.

Variable Rate Mortgages

Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher :
ISBN 13 :
Total Pages : 520 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Variable Rate Mortgages by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs

Download or read book Variable Rate Mortgages written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1975 with total page 520 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Home Buying Kit For Dummies

Author : Eric Tyson
Publisher : John Wiley & Sons
ISBN 13 : 1119674794
Total Pages : 455 pages
Book Rating : 4.1/5 (196 download)

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Book Synopsis Home Buying Kit For Dummies by : Eric Tyson

Download or read book Home Buying Kit For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2020-04-07 with total page 455 pages. Available in PDF, EPUB and Kindle. Book excerpt: Your turn-key guide to crucial information about buying a new home before you take the plunge Home Buying Kit For Dummies, 7th Edition simplifies and explains the home-buying process to new home buyers everywhere. Authors Eric Tyson, MBA and Ray Brown inform and educate readers in the simple, straightforward and incisive style the For Dummies series is known for across the world. This book covers all the topics necessary to tackle the purchase of a home with confidence, including: Complete coverage of new US tax rules and strategies What's happening with home financing given the high home prices and fluctuating economies found in many markets How to compare renting and buying in light of new rules regarding mortgage interest and property tax write-offs Updated coverage of internet resources and how to best utilize them as a buyer The 7th Edition of Home Buying Kit For Dummies offers brand new content of particular interest to millennial homebuyers, as well as freshly updated online companion content.

Personal Finance For Dummies

Author : Eric Tyson
Publisher : John Wiley & Sons
ISBN 13 : 1119114179
Total Pages : 480 pages
Book Rating : 4.1/5 (191 download)

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Book Synopsis Personal Finance For Dummies by : Eric Tyson

Download or read book Personal Finance For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2015-12-16 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: Understand personal finance and put your money to work! Is your money working to increase your wealth? If not, it's time to take stock of your financial situation. Personal Finance For Dummies, 8th Edition offers time-tested financial tips and advice on how to continue to grow your financial assets in light of the changing market and economic conditions. A new breed of fiscal consciousness has arisen—and it's high time for you to join the movement by taking control over your financial life. This relevant text guides you through major financial subject areas, such as budgeting, saving, getting out of debt, making timely investment choices, and planning for the future. By looking at all aspects of your financial wellbeing, you can pinpoint the areas in which you need to change your strategy, and can identify how you can use the assets you have to continue to grow and protect your wealth. Personal finance is an important topic, as your financial wellbeing has an integral impact on so many aspects of your life. Taking the pulse of your finances every now and then is critical to ensuring that you're on the right track—and to identifying the areas in which you can improve your financial strategies. Explore time-tested financial tips and advice that help improve your financial wellbeing Consider how different aspects of your financial life work with and against one another, and how to bring them into alignment to enhance your overall financial situation Discover updated recommendations and strategies that account for changing market and economic conditions Look at your financial situation from a new perspective, and understand what you can do to improve it Personal Finance For Dummies, 8th Edition shows you how to take stock of your financial situation and put your money to work.

Behavioral Finance: A Novel Approach

Author : Itzhak Venezia
Publisher : World Scientific
ISBN 13 : 9811229260
Total Pages : 389 pages
Book Rating : 4.8/5 (112 download)

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Book Synopsis Behavioral Finance: A Novel Approach by : Itzhak Venezia

Download or read book Behavioral Finance: A Novel Approach written by Itzhak Venezia and published by World Scientific. This book was released on 2020-11-24 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Behavioral Finance: A Novel Approach presents original papers exploring fresh ideas in behavioral finance. Its chapters span a wide range of topics in a distinct mix of traditional issues along with less conventional matters. This blend creates an optimal balance between chapters aiming at widening the scope of research in behavioral finance and those striving to refine the extant knowledge.Thus, along with traditional topics such as biases in pension decisions, analysts recommendation, gender differences in decisions and IPO's underpricing, the book also contains chapters on CEO and board members behavior, biased responses to regulation and regulatory reform, investors' attitudes towards corporate governance, cognitive biases in judicial decisions, the relations between behavioral finance and religion, new methods to calibrate the accuracy of forecasts, and the relations between behavioral finance and optimal contracting.Presenting original findings on a vast assortment of subjects, all in one venue, makes the book ideal as a reference book for researchers and practitioners interested in keeping up with the important developments in behavioral finance. The book could also serve as a handy guide for adapting insights from popular behavioral finance to some important underrepresented issues.

Law and Economics of Regulation

Author : Klaus Mathis
Publisher : Springer Nature
ISBN 13 : 3030705307
Total Pages : 327 pages
Book Rating : 4.0/5 (37 download)

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Book Synopsis Law and Economics of Regulation by : Klaus Mathis

Download or read book Law and Economics of Regulation written by Klaus Mathis and published by Springer Nature. This book was released on 2021-04-24 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores current issues regarding the regulation of various economic sectors, theoretically and empirically, discussing both neoclassical and behavioural economics approaches to regulation. Regulation has become one of the main determinants of modern economies, and virtually every sector is subject to general laws and regulations as well as specific rules and standards. A traditional argument to justify regulatory interventions is the promotion of public interests. Fixing markets that lack competition, balancing information asymmetries, internalising externalities, mitigating systemic risks, and protecting consumers from irrational behaviour are frequently invoked to complement the invisible hand of the market with the visible hand of the state.However, regulations can lead to unintended consequences, and serve the interests of powerful private interest groups rather than the public interest and social welfare. In addition, new insights from behavioural economics question the traditional regulatory approaches, most prominently in attitudes towards consumers. Furthermore, digitalisation and technological innovation in general present new challenges in terms of both the type of regulation and the regulatory process.Part I of this book discusses various theoretical approaches to the economic analysis of regulations, while Part II looks at specific applications of the law and economics of regulation.

Adjustable Rate Mortgages (ARM's)

Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development
Publisher :
ISBN 13 :
Total Pages : 988 pages
Book Rating : 4.:/5 (327 download)

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Book Synopsis Adjustable Rate Mortgages (ARM's) by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development

Download or read book Adjustable Rate Mortgages (ARM's) written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Housing and Community Development and published by . This book was released on 1984 with total page 988 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Behavioral Finance: The Coming Of Age

Author : Venezia Itzhak
Publisher : World Scientific
ISBN 13 : 9813279478
Total Pages : 500 pages
Book Rating : 4.8/5 (132 download)

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Book Synopsis Behavioral Finance: The Coming Of Age by : Venezia Itzhak

Download or read book Behavioral Finance: The Coming Of Age written by Venezia Itzhak and published by World Scientific. This book was released on 2019-04-18 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: The area of behavioral finance, though relatively young, has matured and spread beyond its initial objectives: to demonstrate the fallibility of the efficient market hypothesis, to shake the belief in the ubiquity of rational decision making, and to convince the finance world of the importance of psychological biases in decision making. The success of the field in meeting its goals, however, has called into question its continued relevance. Behavioral finance is thus currently at a crossroads, and researchers need to decide which way they should turn for the area to continue to thrive and to meaningfully contribute to financial knowledge.This collection of papers deals with rarely-explored topics to point at new directions that behavioral finance should explore to maintain its viability, along with contributions to traditional topics. Some of these topics include innovations, the psychology of policy-makers, biases of peer-to-peer market participants, the behavior and motivation behind corporate social responsibility, and the design of exchanges. Additionally, well-known topics such as the disposition effect, slow and fast decisions and the availability heuristic are revisited, and surprising new findings are presented.By opening the field to novel avenues of discussion, this book addresses the future of behavioral finance and its transition into a new era.

Alternative Mortgage Instruments Research Study

Author : United States. Federal Home Loan Bank Board
Publisher :
ISBN 13 :
Total Pages : 568 pages
Book Rating : 4.:/5 (3 download)

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Book Synopsis Alternative Mortgage Instruments Research Study by : United States. Federal Home Loan Bank Board

Download or read book Alternative Mortgage Instruments Research Study written by United States. Federal Home Loan Bank Board and published by . This book was released on 1977 with total page 568 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Home Buying For Dummies

Author : Eric Tyson
Publisher : John Wiley & Sons
ISBN 13 : 1118052722
Total Pages : 410 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Home Buying For Dummies by : Eric Tyson

Download or read book Home Buying For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2011-03-03 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: Though fun and exciting, buying a home can also be complicated and confusing—and most people learn the hard way that a wrong move can cost dearly. In order to find the perfect home at the best price, you must have skill, foresight, and a little guidance from experienced professionals. Home Buying for Dummies, Third Edition provides just that! Packed with invaluable advice in an objective, down-to-earth style that will have you sitting in your dream home in no time, this friendly guide contains everything you need to know to play the home buying game. It has the tools you need to: Improve your credit score and select a mortgage Choose a time and place to buy Determine the price you want to pay Assemble an all-star real estate team Make use of the wonderful world of the Internet Negotiate your best deal Inspect and protect your home Handle and become responsible for the title Cope with buyer’s remorse Featured in this guide are tips and tricks on things you should do after you seal the deal, as well as things you ought to know about real estate investing. Also included is advice on how to sell your house, as well as a sample real estate purchase contract and a good inspection report. Don’t get chewed up by the real estate market—Home Buying for Dummies, Third Edition will lead you to the home you want!

Foreclosure Self-Defense For Dummies

Author : Ralph R. Roberts
Publisher : John Wiley & Sons
ISBN 13 : 1118068440
Total Pages : 366 pages
Book Rating : 4.1/5 (18 download)

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Book Synopsis Foreclosure Self-Defense For Dummies by : Ralph R. Roberts

Download or read book Foreclosure Self-Defense For Dummies written by Ralph R. Roberts and published by John Wiley & Sons. This book was released on 2011-04-20 with total page 366 pages. Available in PDF, EPUB and Kindle. Book excerpt: Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome. This practical, no-nonsense guide helps you size up your options and increase your chances of saving your home. You’ll find out how to delay foreclosure, form a plan of attack, negotiate solutions with your lender, and restore your financial health. You’ll also find field-tested strategies for dodging the foreclosure trap, getting out from under a house you really can’t afford, and finding help where you might least expect it. Discover how to: Regain your emotional composure Confront your foreclosure head-on Protect your rights Assess your situation and weigh your options Touch base with key people who can help you Stop the financial bleeding Team up with your lender to find solutions Work out a refinancing deal with another lender Avoid quick-fix schemes and scams Cash out before it’s too late Recover from foreclosure Re-establish your credit Complete with a handy cheat-sheet to help you keep your most important tasks in the front of your mind Foreclosure Self-Defense for Dummies gives you the moral support, commonsense guidance, and expert advice you need to make the best of this difficult situation.

Behavioral Finance: Where Do Investors' Biases Come From?

Author : Itzhak Venezia
Publisher : World Scientific
ISBN 13 : 9813100109
Total Pages : 395 pages
Book Rating : 4.8/5 (131 download)

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Book Synopsis Behavioral Finance: Where Do Investors' Biases Come From? by : Itzhak Venezia

Download or read book Behavioral Finance: Where Do Investors' Biases Come From? written by Itzhak Venezia and published by World Scientific. This book was released on 2016-10-27 with total page 395 pages. Available in PDF, EPUB and Kindle. Book excerpt: This unique volume presents new original research exploring factors that lead to investors behavioral biases. It discusses how features such as professionalism, sophistication, gender, media, and culture influence investors' decision-making in general, and in particular, how they generate (or limit) behavioral and cognitive biases. The effects of these factors on capital markets are also discussed. The book is based on the discussions and presentations at the First Israel Behavioral Finance Conference, which took place in Tel Aviv in May 2015. It examines in greater detail some of the key issues discussed at the conference.This is an innovative book in behavioral finance: it is the first to present an extensive collection of papers which discuss a comprehensive array of factors that influence or define investor character and analyzes these factors' effects on financial markets. The book is useful for readers interested in understanding the factors that influence investors' profiles and thus their behavioral biases. The book will be of great interest to researchers and students seeking a reference book which contains timely research on these areas of behavioral finance.

International Encyclopedia of Housing and Home

Author :
Publisher : Elsevier
ISBN 13 : 0080471714
Total Pages : 3870 pages
Book Rating : 4.0/5 (84 download)

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Book Synopsis International Encyclopedia of Housing and Home by :

Download or read book International Encyclopedia of Housing and Home written by and published by Elsevier. This book was released on 2012-10-09 with total page 3870 pages. Available in PDF, EPUB and Kindle. Book excerpt: Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts