会议专题

An empirical study on the factors of housing loans prepayment

From the loan and the borrower factors, this article analysis the impact on the prepayment of housing loans. Study found that: LTV, debt years, the borrower interest rates tolerance, the borrower marital status, etc, have a significant relationship with prepayment act. On the other hand, contact length of the loan, the borrower age and the borrower household income have no significant relationship with prepayment act. After in-depth analysis, article believes that the results in our socio-economic and cultural impact, the borrowers financial wealth growth rate is Determining factor of the prepayment of t housing loans. On this basis, some advice is given to strengthen the commercial banks service to borrowers.

housing loans prepayment impact factors

Yingwei WANG

School of Management and Economics,Beijing Institute of Technology,Beijing 100081,China

国际会议

2008 International Conference on Risk and Relianility Management(2008风险与可靠性管理国际会议)

北京

英文

192-198

2008-11-10(万方平台首次上网日期,不代表论文的发表时间)