IMF working paper suggests using browsing history in credit score calculations

Re:IMF working paper suggests using browsing history in cred... by forgingahead on Tuesday August 24, 2021 @12:23PM (#28290953)

Sure, fixed term for a short period is normal everywhere. But a fixed term for the entire length of the mortgage, whereby mortgage terms are commonly 30 years long, are only seen in the US and Denmark.

Here's some more detail on this: https://www.netinterest.co/p/financing-the-american-home

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Re:IMF working paper suggests using browsing history in cred... by irishsultan on Wednesday August 25, 2021 @03:35AM (#28298964)

> But a fixed term for the entire length of the mortgage, whereby mortgage terms are commonly 30 years long, are only seen in the US and Denmark.

Strange, because I have a fixed term for the entire length of my mortgage and I'm not living in those countries. Admittedly it's for a length of time shorter than 30 years, but even at that timeframe it would be possible to get one.

There is however one additional modifier in the statement of the article: "fully prepayable", that may not exist anywhere outside of Denmark and the USA (but still, your source doesn't really explain where it got it's list of countries that have it, so I have no way to know it's correctness).

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Re:IMF working paper suggests using browsing history in cred... by jacquesm on Thursday August 26, 2021 @09:44AM (#28314838)

You can add the Netherlands and many other European countries to that list.

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