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date: 24 January 2019

Abstract and Keywords

This article provides an introduction to residential mortgages and their relationship to banking. It describes the common features of residential mortgages; factors influencing households' behaviour; the market for mortgages as a financial asset; and bank capital regulation and its treatment of residential mortgages. Finally, because standards and practices in mortgage markets worldwide have been affected by the turmoil that hit US mortgage markets in 2007, and the episode is discussed in some detail.

Keywords: residential mortgage, mortgage market, financial assets, bank capital regulation, mortgage lending

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