G2TT
来源类型Brief
规范类型简报
Small-Dollar Mortgages: A Loan Performance Analysis
Alanna McCargo; Bing Bai; Sarah Strochak
发表日期2019-03-06
出版年2019
语种英语
概述There is a significant lack of mortgage financing available for low-cost homes, which many first-time homebuyers and lower income families rely on to move into homeownership. Earlier research on small-dollar mortgages explains the market deficit and landscape. In this study, the researchers show that the commonly held perception that small-dollar mortgages are riskier than larger mortgages is not accurate. While
摘要

There is a significant lack of mortgage financing available for low-cost homes, which many first-time homebuyers and lower income families rely on to move into homeownership. Earlier research on small-dollar mortgages explains the market deficit and landscape. In this study, the researchers show that the commonly held perception that small-dollar mortgages are riskier than larger mortgages is not accurate. While significantly less prevalent, these loans perform like larger mortgage loan and the borrowers of small-dollar mortgages have comparable credit profiles to those of all mortgage borrowers. This analysis suggests that it is not appropriate from a risk management perspective to charge higher rates or risk premiums on small-dollar loans. Increasing the availability of these small dollar mortgages could help more households achieve homeownership.

主题Finance ; Housing and Housing Finance ; Income and Wealth
URLhttps://www.urban.org/research/publication/small-dollar-mortgages-loan-performance-analysis
来源智库Urban Institute (United States)
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/480515
推荐引用方式
GB/T 7714
Alanna McCargo,Bing Bai,Sarah Strochak. Small-Dollar Mortgages: A Loan Performance Analysis. 2019.
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