The Role of Government and Private Institutions in Credit Cycles in the U.S. Mortgage Market
收藏NBER2020-07-01 更新2025-01-04 收录
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https://www.nber.org/papers/w27499
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We show that the distribution of combined loan-to-value ratios (CLTVs) for purchase mortgages in the U.S. has been remarkably stable over the last 25 years. But there was a dramatic shift during the housing boom of the 2000s in the provision of high- CLTV loans through private sources, which
本研究表明，过去25年间美国购房抵押贷款的综合贷款价值比（Combined Loan-to-Value Ratios，CLTV）分布始终保持显著稳定。但在2000年代的房地产市场繁荣期，通过私人渠道发放的高CLTV贷款的供给情况发生了剧烈变化，
提供机构：
美国国家经济研究局
创建时间：
2020-07-01
