The future supply of mortgage credit

Article Abstract:

Great variations in the supply of mortgage credit are anticipated over the next several years. Banks and other depository institutions are, however, likely to hold a smaller share of home mortgage credit in the future. Construction and commercial-property mortgages will probably be more difficult to get than home mortgages. The federal government is likely to continue to underwrite real estate loans, either through the federal insurance programs or by direct government sponsorship.

Finance, taxation, & monetary policy, Residential construction, Finance, Influence, Mortgage-backed securities, Mortgage backed securities, House construction, Bank loans, Real estate mortgage investment conduits

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Housing appreciation, income taxes, and mortgage alternatives

Article Abstract:

A small home and a smaller mortgage may be a wiser investment than a large home with its larger mortgage. The difficult economic conditions of the 1990s, the potential elimination of the home mortgage interest tax deduction and the aging of the population have caused these changes in future mortgage considerations. The financial burdens of a larger mortgage may become too great for most individuals.

Real Estate, Real Estate and Rental and Leasing

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The full cost of a home mortgage loan revisited; recalculation of APR, using variables that are usually omitted from the calculation

Article Abstract:

The full cost of a home mortgage loan, that is, the calculation of the annual percentage rate (APR), must be determined by using variables that typically are omitted from the calculation of home mortgage loan costs. To calculate true APR costs, calculations must include up-front penalities charged in lieu of escrow accounts, mortgage insurance premia and the tax burden of points.

Economic aspects, Real property

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