The Housing Loan Market and Mortgage Choice After The Reform of Government Housing Loan Corporation

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概要

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• After the reform of the Government Housing Loan Corporation (GHLC), various types of housing loan have been supplied and adjustable rate loan and short time fixed rate loan is increasing. This paper examines the impact of the reform of the housing loan and how the mortgage choice between the adjustable rate loan (ARM; including short time fixed rate loan) and the fixed rate loan (FRM) is done. We obtain the results that the loan choice is influenced by the difference between the rate of FRM and that of ARM, the income, the price, the favor for the quality of the house and the other elements.

• Association of Urban Housing Sciencesの論文

著者

• 水谷 徳子

  大阪大学経済学研究科博士課程

• 沓澤 隆司

  大阪大学杜会経済研究所

関連論文

• The Housing Loan Market and Mortgage Choice After The Reform of Government Housing Loan Corporation

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