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Consumer Expertise or Credit Risk? An empirical analysis of mortgage pricing
; Espinosa Alejos, María Paz 
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
(University of the Basque Country, Department of Foundations of Economic Analysis II, 2012)
Loan mortgage interest rates are usually the result of a bank-customer negotiation process. Credit risk, consumer cross-buying potential, bundling, financial market competition and other features affecting the bargaining ...