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Exposure to Real Estate Losses

Exposure to Real Estate Losses »

Source: Exposure to Real Estate Losses : Evidence from the US Banks

Volume/Issue: 2009/79

Series: IMF Working Papers

Author(s): Marcelo Pinheiro , and Deniz Igan

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 April 2009

ISBN: 9781451872262

Keywords: Residential and Commercial Real Estate, Delinquency, Distance to Default, real estate, real estate loans, commercial real estate, mortgage, commercial real estate loans,

We implement a three-step procedure to assess the extent of exposure to real estate in commercial banks. First, we demonstrate interest rates and income to be the major determinants of delinquency. Then, we adopt a...

Accounting discretion of banks during a financial crisis

Accounting discretion of banks during a financial crisis »

Source: Accounting discretion of banks during a financial crisis

Volume/Issue: 2009/207

Series: IMF Working Papers

Author(s): Luc Laeven , and Harry Huizinga

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 September 2009

ISBN: 9781451873542

Keywords: Key bank regulation, fair value accounting, corporate disclosure, real estate, real estate loans, tier 1 capital, bank assets, real estate loan,

This paper shows that banks use accounting discretion to overstate the value of distressed assets. Banks' balance sheets overvalue real estate-related assets compared to the market value of these assets, especially...

Do Loan-To-Value and Debt-To-Income Limits Work? Evidence From Korea

Do Loan-To-Value and Debt-To-Income Limits Work? Evidence From Korea »

Source: Do Loan-To-Value and Debt-To-Income Limits Work? Evidence From Korea

Volume/Issue: 2011/297

Series: IMF Working Papers

Author(s): Deniz Igan , and Heedon Kang

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 December 2011

ISBN: 9781463927837

Keywords: housing markets, mortgage, macroprudential regulation, real estate, housing finance, mortgage market, mortgage loan

With another real estate boom-bust bringing woes to the world economy, a quest for a better policy toolkit to deal with these boom-busts has begun. Macroprudential measures could be in such a toolkit. Yet, we know...

Are House Prices Rising Too Fast in China?

Are House Prices Rising Too Fast in China? »

Source: Are House Prices Rising Too Fast in China?

Volume/Issue: 2010/274

Series: IMF Working Papers

Author(s): Ashvin Ahuja , Lillian Cheung , Gaofeng Han , Nathan Porter , and Wenlang Zhang

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 December 2010

ISBN: 9781455210817

Keywords: House price, price misalignment, leverage cycle, mortgage, real estate, land sales, mortgage loan, mortgage interest,

Sharp increase in house prices combined with the extraordinary Chinese lending growth during 2009 has led to concerns of an emerging real estate bubble. We find that, for China as a whole, the current levels of hou...

Bank Lending in the Knowledge Economy

Bank Lending in the Knowledge Economy »

Source: Bank Lending in the Knowledge Economy

Volume/Issue: 2017/234

Series: IMF Working Papers

Author(s): Giovanni Dell'Ariccia , Dalida Kadyrzhanova , Camelia Minoiu , and Lev Ratnovski

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 07 November 2017

ISBN: 9781484324899

Keywords: Intangible capital, bank lending, commercial loans, real estate loans, liquid assets, Financial Markets and the Macroeconomy, Government Policy and Regulation

We study bank portfolio allocations during the transition of the real sector to a knowledge economy in which firms use less tangible capital and invest more in intangible assets. We show that, as firms shift toward...

Exposure to Real Estate Losses
			: Evidence from the US Banks

Exposure to Real Estate Losses : Evidence from the US Banks »

Volume/Issue: 2009/79

Series: IMF Working Papers

Author(s): Marcelo Pinheiro , and Deniz Igan

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 April 2009

DOI: http://dx.doi.org/10.5089/9781451872262.001

ISBN: 9781451872262

Keywords: Residential and Commercial Real Estate, Delinquency, Distance to Default, real estate, real estate loans, commercial real estate, mortgage, commercial real estate loans,

We implement a three-step procedure to assess the extent of exposure to real estate in commercial banks. First, we demonstrate interest rates and income to be the major determinants of delinquency. Then, we adopt a...

How to Deal with Real Estate Booms

How to Deal with Real Estate Booms »

Source: How to Deal with Real Estate Booms : Lessons from Country Experiences

Volume/Issue: 2011/91

Series: IMF Working Papers

Author(s): Pau Rabanal , Christopher Crowe , Giovanni Dell'Ariccia , and Deniz Igan

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 April 2011

ISBN: 9781455253302

Keywords: real estate, macroeconomic policy, macroprudential regulation, mortgage, mortgages, mortgage loans, mortgage interest, Prices, Business Fluctuations, and Cycles: General (includes Measurement and Data)

The financial crisis showed, once again, that neglecting real estate booms can have disastrous consequences. In this paper, we spell out the circumstances under which a more active policy agenda on this front would...

Accounting discretion of banks during a financial crisis

Accounting discretion of banks during a financial crisis »

Volume/Issue: 2009/207

Series: IMF Working Papers

Author(s): Luc Laeven , and Harry Huizinga

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 September 2009

DOI: http://dx.doi.org/10.5089/9781451873542.001

ISBN: 9781451873542

Keywords: Key bank regulation, fair value accounting, corporate disclosure, real estate, real estate loans, tier 1 capital, bank assets, real estate loan,

This paper shows that banks use accounting discretion to overstate the value of distressed assets. Banks' balance sheets overvalue real estate-related assets compared to the market value of these assets, especially...

Do Loan-To-Value and Debt-To-Income Limits Work? Evidence From Korea

Do Loan-To-Value and Debt-To-Income Limits Work? Evidence From Korea »

Volume/Issue: 2011/297

Series: IMF Working Papers

Author(s): Deniz Igan , and Heedon Kang

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 December 2011

DOI: http://dx.doi.org/10.5089/9781463927837.001

ISBN: 9781463927837

Keywords: housing markets, mortgage, macroprudential regulation, real estate, housing finance, mortgage market, mortgage loan

With another real estate boom-bust bringing woes to the world economy, a quest for a better policy toolkit to deal with these boom-busts has begun. Macroprudential measures could be in such a toolkit. Yet, we know...

Are House Prices Rising Too Fast in China?

Are House Prices Rising Too Fast in China? »

Volume/Issue: 2010/274

Series: IMF Working Papers

Author(s): Ashvin Ahuja , Lillian Cheung , Gaofeng Han , Nathan Porter , and Wenlang Zhang

Publisher: INTERNATIONAL MONETARY FUND

Publication Date: 01 December 2010

DOI: http://dx.doi.org/10.5089/9781455210817.001

ISBN: 9781455210817

Keywords: House price, price misalignment, leverage cycle, mortgage, real estate, land sales, mortgage loan, mortgage interest,

Sharp increase in house prices combined with the extraordinary Chinese lending growth during 2009 has led to concerns of an emerging real estate bubble. We find that, for China as a whole, the current levels of hou...