Borrowers’ characteristics are key to successful mortgage restructuring, paper argues
Details of loan restructuring less important in determining whether borrowers repay, paper says
The characteristics of borrowers are the key factor in determining whether Irish mortgage borrowers succeed in having their loans restructured, a working paper published by the Central Bank of Ireland argues.
In Mortgage modifications and loan performance, Christian Danne and Anne McGuinness use household balance-sheet data to examine the point at which borrowers in financial difficulty talk to their lenders about possible loan restructuring. Their dataset has information on both borrower and
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