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A globális jelzálogpiac helyzete és kihívásai
[The state of global mortgage markets and the challenges to them]

Author

Listed:
  • Pásztor, Szabolcs
  • Kovács, Levente

Abstract

A Föld lakosságszámának és életszínvonalának együttes emelkedése megkerülhetetlenné teszi az emberiség lakáskérdésének megoldását. A tanulmány első része a buktatókra, a világ jelzálog-hitelezési piacainak anomáliáira hívja fel a figyelmet. Ehhez áttekintjük a különböző földrészek jelzálogpiacait, és igyekszünk megtalálni azokat az okokat, amelyekre az e piacon kialakuló szűk keresztmetszetek visszavezethetők. Az okok különbözők, azonban több hasonlóság is megmutatkozik, például abban, hogy a kezdeti időszakban a törlesztőrészlet hatalmas terhet ró a háztartásokra. A tanulmány második felében a "törlesztőrészletek jelenértékének állandóságát" megcélozva egy új jelzálogpiaci konstrukció kidolgozását végeztük el. Ez a megoldás alacsonyabb induló részletet és jelenértékben egyenletes törlesztési terhet biztosít a hitelfelvevőnek. Ez a lakásbérlés alternatívájaként a lakástulajdon eléréséhez lehetőséget nyújt, továbbá hatékonyan biztosítaná egy egészségesebb jelzáloghitel-piac létrejöttét. Journal of Economic Literature (JEL) kód: E43, G21, O18.

Suggested Citation

  • Pásztor, Szabolcs & Kovács, Levente, 2018. "A globális jelzálogpiac helyzete és kihívásai [The state of global mortgage markets and the challenges to them]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1225-1256.
  • Handle: RePEc:ksa:szemle:1809
    DOI: 10.18414/KSZ.2018.12.1225
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    References listed on IDEAS

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    More about this item

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O18 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Urban, Rural, Regional, and Transportation Analysis; Housing; Infrastructure

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