Paper Title
A Study On Mortgage Prepayment Risk Factors By Applying Heckman Two-Stage Regression Model

The real estate mortgage loans have been a very important business in consumer loans of commercial banks. The prediction and evaluation of the variable conditions that may affect the risk behavior of the loan borrowers can help more closely control the factors affecting the borrower decision-making behaviors. Therefore, this study used Tobit prediction model considering time changes to analyze the risk factors. Keywords - Heckman Two-Stage Regression Model, Mortgage, Prepayment Risk