S. C. Matthew, C. Garriga and D. Schlagenhauf, “The loan structure and housing tenure decisions in an equilibrium model of mortgage choice,” Review of Economic Dynamics, Vol. 12, No. 3, 2009, pp.444-468.
 A. Sumit and W. Brent, “Ambrose, Souphala Chomsi-sengphet, Chunlin Liu, An empirical analysis of home equity loan and line performance,” Journal of Financial In-termediation, Vol. 15, No. 4, 2006, pp. 444-469.