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dc.contributor.authorRaya, Josep Maria
dc.date.accessioned2024-02-23T12:27:45Z
dc.date.available2024-02-23T12:27:45Z
dc.date.issued2022-02-14
dc.identifier.citationRaya JM. Can Social Capital Variables Help to Determine Loan to Value Approved by Banks?. J Real Estate Res. 2022;44(3):355-376. DOI: 10.1080/08965803.2021.2024678ca
dc.identifier.issn0896-5803ca
dc.identifier.urihttp://hdl.handle.net/20.500.12367/2597
dc.description.abstractThis paper sheds some light on the effects of social capital variables (social network data, physical appearance, etc.) on loan-to-value (LTV), a crucial variable to evaluate systemic risk. Using a unique database created by merging several sources of data, we show that the introduction of social capital variables are shown to be statistically significantly related to LTV. In particular, Facebook likes in a month and creditworthiness are a negative determinant of LTV while beauty and certain personality traits play a role in borrowers obtaining a higher LTV. We distinguish these effects depending on the LTV variable used: loan-to-appraisal (entirely under the control of lender) and loan-to-transaction (in which the transaction price can also be influenced). [...]ca
dc.format.extent22 p.ca
dc.language.isoengca
dc.publisherTaylor & Francis Groupca
dc.relation.ispartofJournal of Real Estate Research. 2022;44(3):355-376ca
dc.rightsAttribution-NonCommercial 4.0 International*
dc.rightsVersió postprint del document amb DOI: 10.1080/08965803.2021.2024678
dc.rights.urihttp://creativecommons.org/licenses/by-nc/4.0/*
dc.subject.otherSocial networksca
dc.subject.otherMortgagesca
dc.subject.otherBeauty premiumca
dc.subject.otherBank performanceca
dc.subject.otherLoan-to-valueca
dc.titleCan social capital variables help to determine loan to value approved by banks?ca
dc.typeinfo:eu-repo/semantics/articleca
dc.description.versioninfo:eu-repo/semantics/acceptedVersionca
dc.rights.accessLevelinfo:eu-repo/semantics/openAccess
dc.embargo.termscapca
dc.identifier.doi10.1080/08965803.2021.2024678ca


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Attribution-NonCommercial 4.0 International
Excepto si se señala otra cosa, la licencia del ítem se describe como http://creativecommons.org/licenses/by-nc/4.0/
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