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4![Systemic Risk and the Refinancing Ratchet Effect∗ Amir E. Khandani†, Andrew W. Lo‡ , and Robert C. Merton§ This Draft: June 12, 2011 Abstract The confluence of rising home prices, declining interest rates, and ne Systemic Risk and the Refinancing Ratchet Effect∗ Amir E. Khandani†, Andrew W. Lo‡ , and Robert C. Merton§ This Draft: June 12, 2011 Abstract The confluence of rising home prices, declining interest rates, and ne](https://www.pdfsearch.io/img/4abf7769e3da5661da04848388198317.jpg) | Add to Reading ListSource URL: www.princeton.eduLanguage: English - Date: 2011-09-28 10:55:57
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