The Importance of Setting Limits in Disbursement Process of Housing Loans

Izdanje: FINIZ 2017 - Challenges in Modern Corporate Governance

DOI: 10.15308/finiz-2017-90-97

Stranice: 80-97

Apstrakt:
A rapid expansion of mortgage markets and consequent increased portion of housing loans was inherent for many emerging countries. In a long lasting period, positive economic conjuncture was followed with the housing loan expansion in emerging economies. People in emerging countries were focused on resolving their residential issues through taking housing loans from banks. Banks, which disburse those loans, intend to maintain a high quality of credit portfolio and in that sense limit the risk derived from some categories (such as: housing loans). Limitation on housing loans could be realized in several ways, but the most appropriate one is the usage of loan-to-value (LTV) ratio. The aim of this paper is to present the main characteristics of loan-to-value ratio and to indicate different practices with treatment of LTV ratio in some countries.
Ključne reči: housing loans, loan-to-value ratio, mortgage, real estate, financial stability.
Priložene datoteke:
  • 90-97 ( veličina: 538,83 KB, broj pregleda: 332 )

Preuzimanje citata:

BibTeX format
@article{article,
  author  = {V. Mirković and J. Lukić}, 
  title   = {The Importance of Setting Limits in Disbursement Process of Housing Loans},
  journal = {FINIZ 2017 - Challenges in Modern Corporate Governance},
  year    = 2017,
  pages   = {80-97},
  doi     = {10.15308/finiz-2017-90-97}
}
RefWorks Tagged format
RT Conference Proceedings
A1 Vladimir Mirković
A1 Jelena Lukić
T1 The Importance of Setting Limits in Disbursement Process of Housing Loans
AD Univerzitet Singidunum, Beograd, Beograd, Srbija
YR 2017
NO doi: 10.15308/finiz-2017-90-97
Unapred formatirani prikaz citata
V. Mirković and J. Lukić, The Importance of Setting Limits in Disbursement Process of Housing Loans, Univerzitet Singidunum, Beograd, 2017, doi:10.15308/finiz-2017-90-97