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La financiación de la vivienda en la década de los noventa. Posibles tendencias

Author

Listed:
  • Gustavo Levenfeld

    (Profesor de la Universidad Autónoma de Madrid Facultad de Ciencias Económicas y Empresariales)

Abstract

The dramatic change undergone by housing financing in the 1980''''s is typified by the increased competition brought in by commercial bankíng. There has been a considerable improvement in credít conditions, partícularly noticiaste in the mortgagelvalue ratios. The 1990''''s may well witness the development of securitization if there were a generalizatíon of the recent Frech example, where a Loans Guarantee Fund has been created, acting the State as guarantor-a key issue which is as yet missing in European securitization. New repayment systems applied to mortgages could also improve the amount of effort which families make to this end.

Suggested Citation

  • Gustavo Levenfeld, 1993. "La financiación de la vivienda en la década de los noventa. Posibles tendencias," EKONOMIAZ. Revista vasca de Economía, Gobierno Vasco / Eusko Jaurlaritza / Basque Government, vol. 27(03), pages 68-83.
    • Handle: RePEc:ekz:ekonoz:1993304
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    More about this item

    Keywords

    Financiación de la vivienda; préstamos hipotecarios;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand
    • R31 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Housing Supply and Markets
    • R51 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Regional Government Analysis - - - Finance in Urban and Rural Economies

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