Abstract We estimate the willingness-to-pay to bypass a loan-to-value (LTV) cap. Our identification relies on exogenous variation in debt exempt from LTV regulation that can only be used as substitute for personal mortgage. baseline reveals homebuyers pay 7.3 Swedish Kroner (SEK) avoid 1 SEK of equity down payment. The supply not part calculation increased by approximately 50% within 2 years af...

The aim of the study is to explore relationship between overspending and method payment, highlight its causes. non-representative survey was conducted 2020 2021 in Hungary (n = 499) using snowball sampling data collection. They examined age, education, place residence, payment methods, analyzed impact internal external factors on cash consumption sustainability. results showed that use as a cha...

the letter of credit as a method of smoothing international payment is a conditional security and obligation to pay the customer bank (issuing bank) to seller (applicant). for this purpose, the letters of credit may be considered as the most usual method of payment of goods price in international trade. the classic form of letters of credit is the commercial letters of credit whose financial ob...

agricultural extension services have been playing a central role in transformation process of agricultural sector in nigeria but there are challenges which affect the quality of service delivery especially increasing cost of services and poor funding and therefore, promoting emergence of new extension strategies offered by private sector . the study investigated the perception of maize crop far...

background: one of the economic evaluation techniques involves calculation of willingness to pay (wtp) for a service to find out the value of that service from the clients’ perspective. this study estimated wtp for both breast cancer and osteoporosis screening and comparatively examined the contributing factors. in fact, the comparisons served to provide an exact analysis of individual attitude...

willingness to communicate and motivation can be two important affective variables to cause success in language achievement. the current study aimed to investigate the role of willingness to communicate (wtc) and second language motivational self-system (l2mss) in relation to learners’ language achieve- ment. to this end, 100 homogeneous learners both male and female aged from 16 to 20 were cho...

due to the growing emphasis of modern language pedagogy on meaningfulcommunication, l2 willingness to communicate (wtc) has recently become animportant concept in second language learning and communication. the presentstudy investigated the effects of individual differences on iranian efllearners' willingness to communicate. as many as 431 students who were learningenglish as a foreign language...

A physician's Medicare assignment rate is one measure of his or her willingness to participate in the Medicare program. The assignment rate reflects the proportion of services provided to Medicare beneficiaries for which the physician accepts the Medicare reasonable fee as payment in full. Generally, Medicare reasonable fees are lower than the payment which a physician receives from providing t...

BACKGROUND The collection of routine clinical data in the setting of research registries can serve an important role in understanding real world care. However, relatively little is known about the patient experience in registries, motivating us to survey patients enrolled in two chronic disease registries. METHODS We conducted similar surveys in two disease-based registries based at one acade...