This paper shows how different housing submarkets are linked by residential vacancy chains – the series of moves across housing units initiated by the construction of new…
UCC08-16: UK credit regulation has been undergoing substantial reform in the past three years. This paper reviews these reforms and discusses how they take account of…
BABC 04-23: Mortgage lenders have long used credit scores as a basis for estimating borrower risk. This risk differentiation is reflected in the coupon rate of the loan…