Real estate loan delinquency, property prices and alternative income opportunities

2005 ◽  
Vol 5 (3-4) ◽  
pp. 107-114
Author(s):  
Billie Ann Brotman
Keyword(s):  
Real Estate ◽  
Property Prices ◽  
Real Estate Loan

scholarly journals Debtholder Monitoring Incentives and Bank Earnings Opacity

2020 ◽  
pp. 1-38
Author(s):  
Piotr Danisewicz ◽  
Danny McGowan ◽  
Enrico Onali ◽  
Klaus Schaeck
Keyword(s):  
Real Estate ◽  
Information Disclosure ◽  
Quality Of Information ◽  
Legislative Changes ◽  
Priority Structure ◽  
Real Estate Loan

Abstract We exploit exogenous legislative changes that alter the priority structure of different classes of debt to study how debtholder monitoring incentives affect bank earnings opacity. We present novel evidence that exposing nondepositors to greater losses in bankruptcy reduces earnings opacity, especially for banks with larger shares of nondeposit funding, listed banks, and independent banks. The reduction in earnings opacity is driven by a lower propensity to overstate earnings and is more pronounced among larger banks and in banks with more real estate loan exposure. Our findings highlight the importance of creditors’ monitoring incentives in improving the quality of information disclosure.

The pricing of European non-performing real estate loan portfolios: evidence on stock market evaluation of complex asset sales

2020 ◽  
Vol 90 (7) ◽  
pp. 1087-1120 ◽  
Author(s):  
Florian Manz ◽  
Birgit Müller ◽  
Dirk Schiereck
Keyword(s):  
Real Estate ◽  
Stock Market ◽  
Asset Sales ◽  
Loan Portfolios ◽  
Market Evaluation ◽  
Real Estate Loan

scholarly journals Housing Vulnerability and Property Prices: Spatial Analyses in the Turin Real Estate Market

2018 ◽  
Vol 10 (9) ◽  
pp. 3068 ◽  
Author(s):  
Alice Barreca ◽  
Rocco Curto ◽  
Diana Rolando
Keyword(s):  
Real Estate ◽  
Social Vulnerability ◽  
Real Estate Market ◽  
Spatial Analyses ◽  
Price Determination ◽  
Spatially Correlated ◽  
Property Prices ◽  
Vulnerability Indicators ◽  
Property Price ◽  
Physical Features

In the literature, several vulnerability/resilience indicators and indexes are based and assessed by taking into account and combining different dimensions. Housing vulnerability is one of these dimensions and is strictly related to the buildings’ physical features and to the socio-economic condition of their occupants. This research aims to study housing vulnerability in relation to the real estate market by identifying possible indicators and spatially analyzing their influence on property prices. Assuming the city of Turin and its territorial segmentation as a case study, spatial analyses were performed to take into account the presence of spatial dependence and to identify the variables that significantly influence the process of property price determination. The results of this study highlighted the fact that two housing vulnerability indicators, representative of fragile buildings’ physical features, were spatially correlated with property prices and had a significant and negative influence on them. In addition, their comparison with two social vulnerability indicators demonstrated that the presence of economical buildings and council houses was spatially correlated with the presence of people with a low education level. The results of the spatial regression model also confirmed that one of the social vulnerability indicators had the highest and most negative explanatory power in the property price determination process.

Real estate bubbles in a bank-real estate loan network model integrating economic cycle and macro-prudential stress testing

2020 ◽  
Vol 542 ◽  
pp. 122576
Author(s):  
Lei Wang ◽  
Shouwei Li ◽  
Jining Wang ◽  
Yi Meng
Keyword(s):  
Real Estate ◽  
Network Model ◽  
Stress Testing ◽  
Economic Cycle ◽  
Real Estate Loan

scholarly journals Level of Foreign Direct Investments and Transparency of Polish and Global Real Estate Market

2013 ◽  
Vol 21 (2) ◽  
pp. 22-28 ◽  
Author(s):  
Karolina Czechowska
Keyword(s):  
Real Estate ◽  
Supply And Demand ◽  
Real Estate Market ◽  
Easy Access ◽  
Foreign Direct Investments ◽  
The Real ◽  
The Real Estate ◽  
Market Transparency ◽  
Property Prices ◽  
The Real Estate Market

Abstract The article aimed to present the dependencies between the transparency of the real estate market and the level of foreign investments realized on it. For developers on the real estate market, a key element, other than potential profits, may be the market’s transparency. The main feature of a transparent real estate market is easy access to credible data concerning supply and demand, rent, property prices, transactions, vacant houses and capitalization rates that could be the basis for analysis. Market transparency does not guarantee the success of an investment, but considerably influences investment decisions and the level of risk connected with them.

Aspects of sensitivity analysis on NAV valuation in Real Estate sector – A case on Prajay Engineers Syndicate

2015 ◽  
Vol 1 (3) ◽  
pp. 44-52 ◽  
Author(s):  
Prabhat Mittal
Keyword(s):  
Sensitivity Analysis ◽  
Real Estate ◽  
Construction Cost ◽  
Valuation Model ◽  
Property Prices ◽  
Real Estate Sector ◽  
Asset Values ◽  
Near Term ◽  
Real Estate Company ◽  
The Impact

Valuation of property prices has become challenging for many real estate companies in India. Many companies have just entered to market and hence lack proven track records, their land banks and Net Asset values NAVs are not mature and carry regulatory and disclosure risks. NAVs are used as standard valuation benchmark for at least the near term. The present study in the paper is an attempt to create a valuation model for a real estate company. Sensitivity analysis of increase in cost of property prices and construction cost on the valuation has also been achieved to see the impact on the NAVs

scholarly journals DOES REAL ESTATE TRANSPARENCY MATTER FOR FOREIGN REAL ESTATE INVESTMENTS?

2014 ◽  
Vol 18 (4) ◽  
pp. 317-331 ◽  
Author(s):  
Mohammad Reza Farzanegan ◽  
Hassan Gholipour Fereidouni
Keyword(s):  
Real Estate ◽  
Method Of Moments ◽  
Generalized Method Of Moments ◽  
Local Property ◽  
Property Prices ◽  
Real Estate Investments ◽  
Free Flow Of Information ◽  
The Impact ◽  
Flow Of Information ◽  
Consistent Application

The purpose of this paper is to examine the impact of real estate transparency (RET) on foreign real estate investments (FREI). Most of the previous studies have argued that the free flow of information and the fair and consistent application of local property laws could attract greater amounts of FREI. Using observations from 32 countries covering 2004, 2006, 2008 and 2010 and applying fixed-effect and the generalized method of moments (GMM) techniques, our empirical results reveal that RET is not a major determinant of FREI. However, we find that the effect of RET on FREI is dependent on its interaction with the level of income implying that the higher the level of income in the host country, the higher the effect of RET on FREI. Finally, the results show that foreign direct investment (FDI) in other sector, market size and property prices are important determinants of FREI.

scholarly journals The Analysis of Property Loans Development in Indonesia

2021 ◽  
Vol 11 (1) ◽  
pp. 123
Author(s):  
Anisa Nurpita ◽  
Rina Oktavia
Keyword(s):  
Economic Growth ◽  
Real Estate ◽  
Essential Role ◽  
Secondary Data ◽  
Bank Lending ◽  
Growth Trend ◽  
Population Number ◽  
Loan Growth ◽  
Analytical Tools ◽  
Real Estate Loan

The property sector in Indonesia has an essential role in driving the national economy. The bank lending development to the property sector in April 2019 did not show significant growth and stagnant. This study analyzes the growth trend of property loans in Indonesia and estimates the factors that affect the number of housing loans (KPR) and apartment ownership loans (KPA) in Indonesia. The data used in this study are secondary data and time series. The analytical tools used in this research are trend and regression. The results showed that from 2020 to 2025, the property loan growth in Indonesia will still be sluggish. The condition is identified by construction loan which is expected to grow even though the increase is not too significant, real estate loan is still fluctuating, this is because in 2019 there was a decline in real estate loan growth of almost 50 percent from the previous year, and KPA and KPR are estimated to decline even though in nominal terms the number of KPR and KPA increases. The population number variable has a positive and significant effect on the number of KPR and KPA in Indonesia. The more the population, the more the number of KPR and KPA will increase. Meanwhile, the variables of economic growth and inflation in this study did not significantly affect the number of KPR and KPA.

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