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Real Estate Information Technology: Bank Lending, Real Estate Bubbles, and Basel II

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  • Yannis Panagopoulos
  • Prodromos Vlamis

Abstract

This paper reviews the literature and empirical work on how bank over-lending, property price bubbles, real estate company failures, and banking crises are intertwined. We refer to the old capital adequacy regulatory framework (Basel I) for banks and we illustrate the new one (Basel II). We critically discuss banking supervisors' views with specific reference to real estate lending. We argue that various quantitative regulations should be put forward by the supervisory authorities to ensure prudent lending practices regarding real estate sector. More specifically, rules can be imposed regarding the size of the loan-to-value ratios and the use of periodic and frequent property valuation. To the best of our knowledge, this is the first attempt to discuss and bring together the most recent developments in the bank regulation and the real estate cycles/bubbles literature.

Suggested Citation

  • Yannis Panagopoulos & Prodromos Vlamis, 2009. "Real Estate Information Technology: Bank Lending, Real Estate Bubbles, and Basel II," Journal of Real Estate Literature, Taylor & Francis Journals, vol. 17(2), pages 293-310, January.
    • Handle: RePEc:taf:rjelxx:v:17:y:2009:i:2:p:293-310
    DOI: 10.1080/10835547.2009.12090262
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