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首页> 外文期刊>Journal of consumer policy >Compensation and Socio-Economic Status of Borrowers in Foreclosure: Evidence from Swedish Micro-data
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Compensation and Socio-Economic Status of Borrowers in Foreclosure: Evidence from Swedish Micro-data

机译：止赎借款人的赔偿和社会经济地位：来自瑞典微数据的证据

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摘要

Proper compensation during foreclosure is essential to any effort to protect borrowers as consumers. However, the effectiveness of consumer protection and other safety nets during foreclosure has been debated within academia. This study contributes to this debate by exploring socio-economic group differences related to the compensatory potential of foreclosure proceedings. It employs micro-level data on foreclosure auctions in Sweden from 2000 to 2014. The results indicate that there is a correlation between high socio-economic status and a greater potential for compensation and that this is likely not explained by appraiser bias. This article discusses these empirical findings in terms of the need for strict consumer protection regulation and other safety nets, such as alternative mortgage products or debt relief, to ensure that there is a potential for compensation for all borrowers in foreclosure, regardless of socio-economic status.
机译：抵押品赎回权期间的适当赔偿对于任何保护借款人作为消费者的努力至关重要。但是，在学术界辩论中，消费者保护和其他安全网的有效性已在学术界辩论。本研究通过探索与止赎程序的补偿潜力相关的社会经济群体差异有助于本辩论。它从2000年至2014年雇用瑞典止赎拍卖的微量数据。结果表明，高社会经济地位与赔偿潜力更大的潜力之间存在相关性，这可能无法通过评估偏见解释。本文在需要严格的消费者保护监管和其他安全网等方面讨论了这些实证调查结果，例如替代抵押贷款产品或债务救济，以确保抵押债务中的所有借款人赔偿，无论社会经济如何地位。

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