Риски при ипотечном жилищном кредитовании, основы ценообразования

Abstract

A credit risk is the risk of default on a debt that may arise from a borrower failing to make required payments. A mortgage loan, also referred to as a mortgage, is a loan to finance the purchase of real estate, usually with specified payment periods and interest rates. The borrower (mortgagor) gives the lender (mortgagee) a lien on the property as collateral for the loan.