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- All HBS Web (63)
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- 20 Oct 2015
- News
This could be the next 'subprime mortgage crisis'
- 25 Aug 2009
- News
An Ounce of Prevention
- 01 Mar 2009
- News
Buddy, Can You Spare a Trillion
right across the Western financial system. Not many people understood that defaults on subprime mortgages would destroy the value of exotic new asset-backed instruments like collateralized debt obligations. Not many people saw that, as... View Details
- 01 Jun 2016
- News
Imagine an Economy Without Wall Street
out on an entrepreneurial path but was thwarted by the country’s lack of a finance and lending infrastructure. A similar shortcoming in the mortgage and lending industry also... View Details
- 01 Dec 2008
- News
No Easy Fix for the Financial Crisis
subprime crisis. “It’s hard to overstate the dramatic buildup in subprime lending by mid-decade,” he said. “Subprime lending represented a minimal share of home mortgages in... View Details
- 01 Jun 2008
- News
Greed, Gullibility, and Optimism
mortgages are now held by institutions with little connection to local communities? It obscured the risk that is inherent in lending and in owning. We have developed such a sophisticated housing-finance... View Details
- 01 Sep 2018
- News
After the Fall
is in 2006 and 2007, when banks were offering subprime mortgages to just about anyone and junk-rated firms were borrowing in droves. “When it looks like everyone has loosened their lending standards, that... View Details
- 01 Dec 2018
- News
Ask the Expert: Gimme Shelter
from some additional equity (assuming incomes rise). And unlike paying rent to a landlord, each time the owner pays their mortgage they are paying down principal and building equity, just like a market-rate owner. Taken together, these... View Details
Keywords: Jen McFarland Flint
- 01 Dec 1997
- News
"Economists are puzzle solvers..."
same way. A home mortgage is a simple example of how our work is commonly applied. Most mortgages allow the homeowner the option to prepay the mortgage before its term is up.... View Details
- 19 Aug 2021
- News
A Letter to My White Friends and Colleagues
institutions don't want to burden themselves with so many students who have financial needs. DM: One of the other recommendations you give is to put money in Black-owned banks. Part of the rationale, of course, there is that Black-owned banks are more likely to View Details
- 01 Jun 2009
- News
Dispatches from the Global Classroom
were out there.” As the day wears on, the pressure mounts to boil down everything they’ve seen and heard into a succinct, viable business opportunity. In the end, Camille and Vibha propose a lending vehicle to make loans available to the... View Details
- 01 Jun 2010
- News
MBAs on a Mission
homeowners have to put sweat equity into the construction of their house, and the homes of other Habitat families, and also purchase the house.” With the average cost of a Habitat home at $67,500, a typical monthly mortgage payment (which... View Details
- 19 May 2022
- News
Leading to Salvation
He had passed away. His wife wanted to keep his legacy alive. It was very important to her. And so she actually mortgaged her house and put all that money in the funeral chapel. She owed the IRS a lot of money. Her life was in very, very... View Details