Economics, Econometrics and Finance
4 years ago

Co-borrowers face mortgage mispricing, leading to performance disparities.

Journal of Urban Economics
Mortgage (mis)pricing: The case of co-borrowers
Konstantinos Tzioumis

Paper Summary

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Loans with two borrowers perform differently than loans with one borrower because mortgage lenders don't consider all relevant information when setting interest rates. This means that mortgages with co-borrowers might be priced incorrectly, leading to potential issues with repayment.