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Housing mortgage advance payment risks and liquidated damages policy recommendations

Author: ZhouWenMing
Tutor: PuMingGen
School: Qingdao University
Course: World economy
Keywords: Home mortgages Paid in advance Liquidated damages Income Interest rate
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 49
Quote: 0
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Abstract


With the development of China's economy , the quality of people's living standards improve , mortgage advance payment increasing number of acts . This paper made ??aspects of advance payment : Principles of Economics - adverse selection and moral hazard as the theoretical background of housing mortgage loans paid in advance ; using the the PSA standard analysis of the advance payment of the housing mortgage cash flows ; and China's national conditions , proposed income and interest rates is the impact of the housing mortgage is paid in advance of the important reasons , the use of advance payment of the revenue model and advance payment of the interest rate model to predict the advance payment time point ; combination of the binary tree interest rates discounted method to calculate the housing mortgage loan value , resulting in early payment value ; advance payment of more than the combination of theory , collect data , use eviews5.0 software per capita disposable income , inflation rate , the benchmark lending rate forecast , and the latter two time series analysis unit root test, the combination of theory and empirical draw borrowers to choose when the conclusion of a one-time advance payment . Finally, about how to draw the method of calculation of liquidated damages paid in advance its recommendations drawn liquidated damages shall be charged in accordance with a certain percentage of the difference between borrowers and banks both . Liquidated damages in accordance with a reasonable proportion of charge , optimal sharing risk between commercial banks and borrowers . Of course, there are many methods can be used in order to prevent and manage payment risks in advance , for example , issuing advance payment passes , which need to do deeper research .

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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