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After a year of rising mortgage rates and shortages in both supply and demand, the best option for prospective homebuyers and homeowners is to bide their time, says Wharton’s Susan Wachter.
Housing sales are falling in response to rising interest rates, but the real estate market is not in a recession, according to Wharton’s Fernando Ferreira. He explains why the persistent lack of supply will continue to put pressure on homebuyers.
U.S. homeowners typically choose 30-year mortgages, but riskier households in the U.K. choose shorter-term contracts, according to a study by Wharton’s Lu Liu. The findings have implications for mortgage market design, Liu says.
In this opinion piece, Wharton finance professor Michael R. Roberts revisits whether homeowners should invest extra money rather than using it to make additional mortgage payments in the current economic environment.
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