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Participation Mortgage

Definition

A participation mortgage or participating mortgage is a mortgage loan, or sometimes a group of them, in which two or more persons have fractional equitable interests. In this arrangement the lender, or mortgagee, is entitled to share in the rental or resale proceeds from a property owned by the borrower, or mortgagor. The mortgage is evidenced by the bank or other fiduciary that has legal title to the mortgage and sells the fractional shares to investors or makes the investment for the certificate holders. A participation mortgage may or may not require principal and interest payments and may or may not contain a balloon payment.

Home Ownership by Country


What is 'Participation Mortgage'

A participation mortgage is a type of mortgage that allows the lender to share in part of the income or resale proceeds. The lender participates in the income of the mortgaged property beyond a fixed return, or receives a yield on the loan in addition to the straight interest rate.

Explaining 'Participation Mortgage'

In a participation mortgage, the lender (mortgagee) is entitled to share in the rental or resale proceeds from a property owned by the borrower (mortgagor). The mortgage is evidenced by the bank or another fiduciary that has legal title to the mortgage and sells the fractional shares to investors or makes the investment for the certificate holders.


Further Reading


Financial literacy and pension plan participation in ItalyFinancial literacy and pension plan participation in Italy
papers.ssrn.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Financial literacy and retirement planning in SwitzerlandFinancial literacy and retirement planning in Switzerland
www.alexandria.unisg.ch [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Participating mortgages and the efficiency of financial intermediationParticipating mortgages and the efficiency of financial intermediation
www.sciencedirect.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Numeracy, financial literacy and participation in asset marketsNumeracy, financial literacy and participation in asset markets
papers.ssrn.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Financial literacy and stock market participationFinancial literacy and stock market participation
www.sciencedirect.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Changing college students' financial knowledge, attitudes, and behavior through seminar participationChanging college students' financial knowledge, attitudes, and behavior through seminar participation
link.springer.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Reverse mortgage participation in the United States: Evidence from a national studyReverse mortgage participation in the United States: Evidence from a national study
www.mdpi.com [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Interest rate pass-through to bank mortgage and participation bond rates in South Africa: Evidence from ARDL and FMLS modelsInterest rate pass-through to bank mortgage and participation bond rates in South Africa: Evidence from ARDL and FMLS models
academicjournals.org [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …

Financial literacy, household investment and household debt: Evidence from SwitzerlandFinancial literacy, household investment and household debt: Evidence from Switzerland
www.alexandria.unisg.ch [PDF]
… By requiring individuals to decide whether to participate in (newly established) pension funds, how … Pension plan participants were about 3.2 millions (of which 2.1 private sector employees) in … for economics/finance within the household, or it may affect pension plan participation …


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