Alla Koblyakova
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View article: Equity Release Mortgages in the UK: Regional Characteristics of Demand and Supply
Equity Release Mortgages in the UK: Regional Characteristics of Demand and Supply Open
We consider the factors that affect regional variations in equity release mortgages (ERMs) in the United Kingdom (UK). These are a growing section of the market, but with regional differences in factors that affect demand and supply. We es…
Spatial disparity in household indebtedness across the UK Open
Purpose This paper assesses the lending risks associated with the level of total household indebtedness at the local authority level across the UK. Design/methodology/approach Using GIS-based Exploratory Data Analysis and mapping, the pape…
Accuracy of Households’ Dwelling Valuations, Housing Demand and Mortgage Decisions: Israeli Case Open
Housing policy, as well as academic research, are increasingly concerned with the role of bias in subjective dwelling valuations as a proximate measure of households’ house price expectations and their relationship with housing demand. Thi…
Empirical Evaluation of the Help To Buy Initiative in England Open
The global financial crisis after 2007, and the subsequent housing and mortgage market stagnation, significantly deteriorated households’ ability to buy a house. Responding to declining homeownership rates, the government introduced a rang…
Rationality in Mortgage Choice Decisions Open
The primary goal of this paper has been to address the question of rationality and subjectivity in mortgage contract choice decisions. These decisions are important because the size of a mortgage and the financial features of a mortgage co…
Household Mortgages Choice Decisions Open
This data set is based upon the Understanding Society Data Survey and focused upon mortgage choice decision perspectives. This also contains a number of macroeconomic variables and house values data. The dataset also incorporates data from…
Is the China Housing Market in a bubble? Open
Background: Over the last two decades China’s housing price index has risen by at least 70%. According to Reuters, average new home prices in China’s 70 major cities rose a record 9.6%in the year to October 2013; it was the tenth straight …