six.dos Second-phase Issues Model: Changes of Arrears six.2.step one Collateral and you may housing marketplace return Brand new twice-produce theory forecasts that the level of bad equity is the chief determinant away from whether or not a loan during the arrears transitions to help you foreclosures. In line with Theory C, model rates advise that… Seguir leyendo six.dos Second-phase Issues Model: Changes of Arrears