Money & Finance

Household Finance in India

  • Blog Post Date 31 March, 2012
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John Campbell

Harvard University

"How does mortgage regulation influence the structure and performance of housing finance? This project answers the question by analysing administrative data on over 1.2 million loans originated by an Indian mortgage provider, relating loan pricing and delinquency rates to the changing details of Indian mortgage regulation. This project finds evidence that regulation has important effects on rates and defaults. It also finds evidence suggestive of learning by the mortgage provider in a turbulent regulatory environment."

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