tag:blogger.com,1999:blog-33399132.post3863329822275472576..comments2024-03-04T08:09:21.453-08:00Comments on Richard's Real Estate and Urban Economics Blog: Has the Variable Rate Mortgage saved the European Mortgage Market?Richard Greenhttp://www.blogger.com/profile/02161226214739034402noreply@blogger.comBlogger10125tag:blogger.com,1999:blog-33399132.post-91565365182904289292012-12-05T07:45:48.527-08:002012-12-05T07:45:48.527-08:00Mortgage Service : This kind of easy solution for ...<a rel="nofollow">Mortgage Service</a> : This kind of easy solution for saving you thousands, in addition to shortening the term of this home loan, simply will involve altering your frequency of this reimbursements.mamunsultanpur2https://www.blogger.com/profile/04515796370976585048noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-27251082078926636892012-12-02T10:03:10.340-08:002012-12-02T10:03:10.340-08:00Your content is shows potential, m gona add this t...Your content is shows potential, m gona add this to my bookmarks.<br /><a href="http://www.autorefinanceteam.com/tag/auto-title-loans" rel="nofollow">bad credit auto loans online</a><br />Alex monerhttps://www.blogger.com/profile/02635328221496286054noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-85910406045416130952012-07-28T02:29:37.328-07:002012-07-28T02:29:37.328-07:00Having a good mortgage rates can also make a good ...Having a good mortgage rates can also make a good mortgage market cash flow and if the rates are stable there is a possibility that the number of home buyer hat get a mortgage to purchase a home is increase.<br /><br /><a href="http://www.mortgageadvicebureau.com/buy-to-let-mortgage/" rel="nofollow">Buy to let mortgage advice</a>takeshi007https://www.blogger.com/profile/08768241597586132170noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-14988482486112707902012-06-25T05:16:39.052-07:002012-06-25T05:16:39.052-07:00its may be nice blog.... we have news about real e...its may be nice blog.... we have news about real estate investing...nice thoughts to share with us...<br /><a href="http://www.reiclub.com/authors/David%20Lindahl.html" title="dave lindahl" rel="nofollow">dave lindahl</a>Anonymoushttps://www.blogger.com/profile/03157123148198604033noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-64902048600387943662012-06-10T18:41:48.381-07:002012-06-10T18:41:48.381-07:00Amazing articles! I personally recommend this site...Amazing articles! I personally recommend this site to all my friends and co workers as well. <b><a href="http://www.notapennydown.com/blog/" rel="nofollow">Vancouver Home mortgage</a></b>Anonymoushttps://www.blogger.com/profile/10083027143596401079noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-80152561883545309262012-05-31T12:07:08.409-07:002012-05-31T12:07:08.409-07:00This comment has been removed by the author.Anticipolishttps://www.blogger.com/profile/08904157011468150863noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-9234770262191984192012-05-31T12:06:56.048-07:002012-05-31T12:06:56.048-07:00Hello, I would like to draw your attention to the ...Hello, I would like to draw your attention to the publication of " 2015 - The big fall of Western real estate" anticipating the major trends affecting the real estate market now. As we arrived at a historical turning point, this book is a real tool for support on decision making, to know the trends and especially to know when to sell, when to invest or if it is better to rent ... http://www.anticipolis.eu/en_index.phpAnticipolishttps://www.blogger.com/profile/08904157011468150863noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-73826005629234079622012-05-10T04:09:05.813-07:002012-05-10T04:09:05.813-07:00its may be nice blog and very interesting to share...its may be nice blog and very interesting to share about this.the variable rate mortgage saved the european mortgage market.it will be very useful to us.<br /><a href="www.squidoo.com/david_lindahl" title="dave lindahl" rel="nofollow">dave lindahl</a>Anonymoushttps://www.blogger.com/profile/03157123148198604033noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-21815422425104952082012-04-23T13:42:10.301-07:002012-04-23T13:42:10.301-07:00Just to say this is very informative. This will ke...Just to say this is very informative. This will keep readers more informed on real estate trends and news.<br /><br /><a href="http://www.doug-ellis-ea.com/" rel="nofollow">Foreclosure Vacaville</a>Jamiehttps://www.blogger.com/profile/01134892536400547406noreply@blogger.comtag:blogger.com,1999:blog-33399132.post-85335444730219675872012-04-23T08:30:19.516-07:002012-04-23T08:30:19.516-07:00The variable rates might have given minor assistan...The variable rates might have given minor assistance in the downturn, particularly in the UK, but this is to miss the point entirely.<br /><br />Firstly, the UK suffered very badly in the 90's when high inflation forced very high interest rates on homeowners SVR's.<br /><br />More Spain & Ireland are suffereing badly simply because their booms were so bad.<br /><br />And this is the nub of the problem with your post. Germany, where VR mortgages are rare, didn't have a housing boom. And the US's first ever nationwide boom happened a shortly after you moved from fixed to variable rates as the norm.<br /><br />Variable rates cause housing booms, primarily by transferring interest rate risk first to the home buyer, and ultimately to the state.<br /><br />For background evidence see:<br />Andreas Hess, Dr Arne Holzhausen - <br />The structure of European mortgage markets (<br /><br />https://www.allianz.com/static-resources/en/images/wp_europaeische_hypothekenmaerkte_eng.pdf<br /><br />For more discussion see:<br /><br />Willis - Pricing, liquidity and the control of dynamic systems in finance and economics - Section 6.<br /><br />http://mpra.ub.uni-muenchen.de/31137/<br /><br />Variable rates got us into this mess, they should be illegal in any self respecting democracy.Unknownhttps://www.blogger.com/profile/17892825493311278789noreply@blogger.com