Ten new countries are joining the EU: Housing market and mortgage lending implications

Article Abstract:

The populations dwelling characteristics, economic standards, mortgage availabilities in the ten new member countries of the European Union (EU) are analyzed and compared to those of the fifteen existing member countries. The implications for real estate developers and mortgage lenders due to the recent additions in the membership of the EU are discussed.

Europe, Land Subdivision and Land Development, Administration of General Economic Programs, Subdividers & Developers, Subdividers and Developers, Economic & Political Union, Real estate developers, Membership, European Union, Economic unions

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The usefulness of the APR for mortgage marketing in the US and the UK

Article Abstract:

The Annual Percentage Rate (APR), a money cost calculation tool used in the mortgage market, is examined for its costs and benefits in context of the United States and the United Kingdom. An alternative approach namely, Annual Effective Rate (AER) is suggested to help customers to overcome APR shortcomings.

United Kingdom, United States, Marketing procedures, Marketing, Measurement, Company marketing practices

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Using Excel to facilitate the home mortgage refinance decision

Article Abstract:

The instructions for the development of a spreadsheet template that automatically calculates decision to refinance a mortgage are explained in detail.

Prepackaged software, Usage, Spreadsheets, Spreadsheet software, Microsoft Excel (Spreadsheet software), Spreadsheet add-on

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