Economics, Econometrics and Finance
8 years ago

Credit scores and payment methods predict US sub-prime loan defaults

An Empirical Study on Default Factors for US Sub-prime Residential Loans
Kai-Jiun Chang

Paper Summary

The research looked at factors that predict loan defaults for US sub-prime residential loans. They found that credit scores, loan-to-value ratios, payment methods, and lien status can help forecast default rates.

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