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LINES OF SAVINGS AND LOAN TARIFF PLANS: A GENERALIZATION OF THE BAUSPARKASSE CONCEPT
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LINES OF SAVINGS AND LOAN TARIFF PLANS: A GENERALIZATION OF THE BAUSPARKASSE CONCEPT
Annotation
PII
S042473880000616-6-1
Publication type
Article
Status
Published
Authors
Oleg Starkov  Victor Polterovich Dmitry Ilinskiy
Edition
Volume 50 Issue 4
Pages
71-88
Abstract

Contractual savings for housing (Bausparkassen) with narrow ranges of tariff plans are used to coexist with banking hypothec, providing consumers a binary choice. We propose to form systems (lines) of savings and loan tariff plans (SLTP) for bank accounts “linking” these two mortgage institutions. We consider properties of lines of SLTP and develop a model for their design and analysis. Experimental calculations indicate that parameters of the line of SLTP may be selected so that efficiency of the mortgage system rises for all involved agents – consumers, banks and governments. Finally we analyze the impact of parameters of SLTP on objective functions of the agents.

Keywords
mortgage, line of savings and loan plans, contractual savings for housing, savings and loan bank account for housing
Date of publication
01.10.2014
Number of purchasers
1
Views
894
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0.0 (0 votes)
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