International Comparison of Mortgage Product Offerings
International Comparison of Mortgage Product Offerings
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抵押贷款产品的国际比较
DOI：
10.2139/ssrn.1683472
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发表时间：
2010
期刊：
影响因子：
--
通讯作者：
M. Lea
中科院分区：
文献类型：
--
作者：
M. Lea
对发达国家提供的抵押贷款产品进行比较后发现，主要产品的提供存在重大差异。各国在可调利率抵押贷款与固定利率抵押贷款的市场份额、提前还款罚款的使用、最长期限以及提供仅付利息和可偿还性等功能方面存在差异。我们的研究结果表明，美国在几个方面在国际上是不寻常的。
This comparison of mortgage product offerings in developed countries reveals significant differences in the dominant product offerings. Countries differ in terms of the market share of adjustable versus fixed-rate mortgages, the use of pre-payment penalties, maximum term and the offering of features such as interest-only payments and assumability. Our findings suggest that the United States is internationally unusual in several respects.