Borrowers’ characteristics are key to successful mortgage restructuring, paper argues

Details of loan restructuring less important in determining whether borrowers repay, paper says

cb-ireland
Sculpture at the Central Bank of Ireland

The characteristics of borrowers are the key factor in determining whether Irish mortgage borrowers succeed in having their loans restructured, a working paper published by the Central Bank of Ireland argues.

In Mortgage modifications and loan performance, Christian Danne and Anne McGuinness use household balance-sheet data to examine the point at which borrowers in financial difficulty talk to their lenders about possible loan restructuring. Their dataset has information on both borrower and

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