The study looked at why people in Taiwan stop paying their mortgages or pay them off early. They used a new model to study both behaviors together. They found that factors like how much money was borrowed compared to the home's value, how much money was paid each month compared to income, and where the home was located all affected when people stopped paying their mortgages. They also found that big events like losing a job, getting divorced, or the economy doing poorly made it more likely for people to stop paying. Changes in interest rates and home prices were important for deciding whether to pay off the mortgage early or stop paying altogether.