Economic and legal analysis of mandatory non-recourse mortgages with applications to Spain
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- dc.contributor.author Hoefer Martí, Juliaca
- dc.contributor.author Morgades Abellà, Albertca
- dc.contributor.author Soriano Morón, Janaca
- dc.contributor.author Sun, Jianca
- dc.date.accessioned 2013-11-12T11:35:01Z
- dc.date.available 2013-11-12T11:35:01Z
- dc.date.issued 2013-11-12
- dc.description Treball de Fi de Grau en Economia. Curs 2012-2013ca
- dc.description Tutora: Rosa Ferrer Zarzuelaca
- dc.description.abstract “The liquidity crisis of the Spanish banks is largely due to the lack of confidence of foreign investors and, therefore, the changes that occur in the legislation should not affect the credibility, stability, legal certainty, predictability that markets expect”./nSergio Nasarre (2011)/nIn the current situation of economic crisis, many people have found they can no longer pay back the mortgage loans that were granted to them in order to purchase a dwelling. It is for this reason that, in light of the economic, political and social problems this poses, our paper studies the state of the Spanish real-estate system and of foreclosure, paying special attention to the solution that has been proposed recently as the best option for debtors that cannot make their mort-gage payments: non-recourse mortgaging. We analyze this proposal from legal and economic perspectives in order to fully understand the effects that this change could imply. At the same time, this paper will also examine several alternatives we believe would ameliorate the situation of mortgage-holders, among them legal reforms, mortgage insurance, and non-recourse mortgaging itself.ca
- dc.format.mimetype application/pdfca
- dc.identifier.uri http://hdl.handle.net/10230/21261
- dc.language.iso engca
- dc.rights Aquest document està subjecte a una llicència Creative Commons
- dc.rights.accessRights info:eu-repo/semantics/openAccessca
- dc.rights.uri http://creativecommons.org/licenses/by-nc-nd/3.0/es/
- dc.subject Treball de fi de grau – Curs 2012-2013ca
- dc.subject Hipoteques - Espanyaca
- dc.subject Negocis immobiliarisca
- dc.subject Crisi financera global, 2007-2009ca
- dc.title Economic and legal analysis of mandatory non-recourse mortgages with applications to Spainca
- dc.type info:eu-repo/semantics/bachelorThesisca