Consumer Expertise or Credit Risk? An empirical analysis of mortgage pricing

Preprint, Research English OPEN
Barrutia Legarreta, José María; Espinosa Alejos, María Paz;
  • Publisher: University of the Basque Country, Department of Foundations of Economic Analysis II
  • Subject: interest rates dispersion | credit risk | mortgage loan pricing | consumer expertise | interest rates dispersion, mortgage loan pricing, consumer expertise, knowledge, credit risk | knowledge

Loan mortgage interest rates are usually the result of a bank-customer negotiation process. Credit risk, consumer cross-buying potential, bundling, financial market competition and other features affecting the bargaining power of the parties could affect price. We argue... View more
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