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While longer maturity contracts may make a lot of sense for individual borrowers, the impact on affordability is limited by changes in house prices.

Many borrowers focus on the initial monthly mortgage payment rather than minimize the life-time costs of the loan, even when they could afford to do otherwise. As a result, new financial products with...

We study how mortgage innovation can cause a housing boom even within a robust regulatory framework and strictly enforced recourse borrowing. Specific…