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Линейки ссудо-сберегательных тарифных планов: обобщение идеи стройсберкасс

Lines of Savings and Loan Tariff Plans: a Generalization of the Bausparkasse Concept

Victor Polterovich, Oleg Starkov and Dmitry Ilinskiy
Authors registered in the RePEc Author Service: Виктор Меерович Полтерович

MPRA Paper from University Library of Munich, Germany

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 (search for similar items in EconPapers)
JEL-codes: D02 D14 G21 (search for similar items in EconPapers)
Date: 2014-05-28
New Economics Papers: this item is included in nep-cis and nep-ure
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Related works:
Journal Article: Линейки ссудо-сберегательных тарифных планов: обобщение идеи стройсберкасс (2014)
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