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Model 4 substitute our head benchmark on lender’s refinancing will cost you, i
Inside our robustness monitors we went individuals variations your head design step 1 which i've talked about in the last sentences. The outcome ones checks was showed in the Table seven, less than. From inside the design step 1 of our own robustness tests, we really do not include lags of one's depending changeable Interest levels for very long-Label User Mortgage loans. Within this design this new magnitude of your coefficient of the varying User Shelter having Very early Cost (Dummy) is significantly higher than that from the newest designs that include lags, comprehend the over reasons. Inside design dos i realize some of the considerations laid down in our quote method (get a hold of a lot more than) and you may ban the entire year dummies from our design, ultimately causing a lower VIF value to possess Standard Refinancing Costs (). (さらに…)