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The risk of households mortgages in Italy: evidences from one million contracts

Emilia Bonaccorsi di Patti () and Roberto Felici
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Roberto Felici: Banca d’Italia

BANCARIA, 2010, vol. 11, 36-47

Abstract: The analysis of the data sample of 1 million mortgages granted between 2004 and 2007 shows that variable rate contracts have been, on average, more risky; late payments have been more frequent for borrowers who are younger, resident in the Southern Italy or immigrants from non-Eu countries; securitized mortgages have been slightly less risky than non-securitized ones.

Keywords: mutui alle famiglie; sofferenze; curve di mortalità (search for similar items in EconPapers)
JEL-codes: G21 (search for similar items in EconPapers)
Date: 2010
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Handle: RePEc:ban:bancar:v:11:y:2010:m:november:p:36-47