An anomaly in the pricing of bank non-interest mortgage charges

Chao-shun Hung

Journal of Economics and Finance, 1999, vol. 23, issue 2, 162-169

Abstract: This paper uses a monopolistically competitive model to study the determinants of bank mortgage charges. The study shows that concentration and the loan-price ratio do not have significant effects on the bank mortgage charges. Significantly, the charges are found to be positively related to the number of banks and bank offices in a given market and inversely related to the market size or population. (JEL L130, G210) Copyright Springer 1999

Date: 1999
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DOI: 10.1007/BF02745950

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