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      Consumer Expertise or Credit Risk? An empirical analysis of mortgage pricing 

      Barrutia Legarreta, José María; Espinosa Alejos, María Paz (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 ...