id	sid	tid	token	lemma	pos
cana-4736	1	1	communications	communication	NOUN
cana-4736	1	2	on	on	ADP
cana-4736	1	3	applied	apply	VERB
cana-4736	1	4	nonlinear	nonlinear	ADJ
cana-4736	1	5	analysis	analysis	NOUN
cana-4736	1	6	issn	issn	NOUN
cana-4736	1	7	:	:	PUNCT
cana-4736	1	8	1074	1074	NUM
cana-4736	1	9	-	-	PUNCT
cana-4736	1	10	133x	133x	NUM
cana-4736	1	11	vol	vol	VERB
cana-4736	1	12	32	32	NUM
cana-4736	1	13	no	no	NOUN
cana-4736	1	14	.	.	PUNCT
cana-4736	2	1	10s	10	NOUN
cana-4736	2	2	(	(	PUNCT
cana-4736	2	3	2025	2025	NUM
cana-4736	2	4	)	)	PUNCT
cana-4736	2	5	266	266	NUM
cana-4736	2	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	2	7	affordability	affordability	NOUN
cana-4736	2	8	and	and	CCONJ
cana-4736	2	9	household	household	NOUN
cana-4736	2	10	indebtedness	indebtedness	NOUN
cana-4736	2	11	:	:	PUNCT
cana-4736	2	12	a	a	DET
cana-4736	2	13	case	case	NOUN
cana-4736	2	14	study	study	NOUN
cana-4736	2	15	of	of	ADP
cana-4736	2	16	slovakia	slovakia	PROPN
cana-4736	2	17	julius	julius	PROPN
cana-4736	2	18	golej1	golej1	PROPN
cana-4736	2	19	*	*	PROPN
cana-4736	2	20	,	,	PUNCT
cana-4736	2	21	daniela	daniela	PROPN
cana-4736	2	22	spirkova2	spirkova2	PROPN
cana-4736	2	23	1	1	NUM
cana-4736	2	24	institute	institute	PROPN
cana-4736	2	25	of	of	ADP
cana-4736	2	26	management	management	NOUN
cana-4736	2	27	,	,	PUNCT
cana-4736	2	28	slovak	slovak	ADJ
cana-4736	2	29	university	university	NOUN
cana-4736	2	30	of	of	ADP
cana-4736	2	31	technology	technology	NOUN
cana-4736	2	32	in	in	ADP
cana-4736	2	33	bratislava	bratislava	PROPN
cana-4736	2	34	,	,	PUNCT
cana-4736	2	35	slovakia	slovakia	PROPN
cana-4736	2	36	2	2	NUM
cana-4736	2	37	institute	institute	PROPN
cana-4736	2	38	of	of	ADP
cana-4736	2	39	management	management	NOUN
cana-4736	2	40	,	,	PUNCT
cana-4736	2	41	slovak	slovak	ADJ
cana-4736	2	42	university	university	NOUN
cana-4736	2	43	of	of	ADP
cana-4736	2	44	technology	technology	NOUN
cana-4736	2	45	in	in	ADP
cana-4736	2	46	bratislava	bratislava	PROPN
cana-4736	2	47	,	,	PUNCT
cana-4736	2	48	slovakia	slovakia	PROPN
cana-4736	2	49	*	*	PUNCT
cana-4736	2	50	corresponding	correspond	VERB
cana-4736	2	51	author	author	NOUN
cana-4736	2	52	:	:	PUNCT
cana-4736	2	53	julius.golej@stuba.sk	julius.golej@stuba.sk	NOUN
cana-4736	2	54	article	article	NOUN
cana-4736	2	55	history	history	NOUN
cana-4736	2	56	:	:	PUNCT
cana-4736	2	57	received	receive	VERB
cana-4736	2	58	:	:	PUNCT
cana-4736	2	59	12	12	NUM
cana-4736	2	60	-	-	SYM
cana-4736	2	61	01	01	NUM
cana-4736	2	62	-	-	PUNCT
cana-4736	2	63	2025	2025	NUM
cana-4736	2	64	revised	revise	VERB
cana-4736	2	65	:	:	PUNCT
cana-4736	2	66	15	15	NUM
cana-4736	2	67	-	-	NUM
cana-4736	2	68	02	02	NUM
cana-4736	2	69	-	-	PUNCT
cana-4736	2	70	2025	2025	NUM
cana-4736	2	71	accepted	accept	VERB
cana-4736	2	72	:	:	PUNCT
cana-4736	2	73	01	01	NUM
cana-4736	2	74	-	-	SYM
cana-4736	2	75	03	03	NUM
cana-4736	2	76	-	-	PUNCT
cana-4736	2	77	2025	2025	NUM
cana-4736	2	78	abstract	abstract	NOUN
cana-4736	2	79	:	:	PUNCT
cana-4736	2	80	the	the	DET
cana-4736	2	81	slovak	slovak	ADJ
cana-4736	2	82	housing	housing	NOUN
cana-4736	2	83	market	market	NOUN
cana-4736	2	84	has	have	AUX
cana-4736	2	85	undergone	undergo	VERB
cana-4736	2	86	significant	significant	ADJ
cana-4736	2	87	transformations	transformation	NOUN
cana-4736	2	88	influenced	influence	VERB
cana-4736	2	89	by	by	ADP
cana-4736	2	90	historical	historical	ADJ
cana-4736	2	91	,	,	PUNCT
cana-4736	2	92	economic	economic	ADJ
cana-4736	2	93	,	,	PUNCT
cana-4736	2	94	and	and	CCONJ
cana-4736	2	95	policy	policy	NOUN
cana-4736	2	96	-	-	PUNCT
cana-4736	2	97	driven	drive	VERB
cana-4736	2	98	factors	factor	NOUN
cana-4736	2	99	.	.	PUNCT
cana-4736	3	1	this	this	DET
cana-4736	3	2	paper	paper	NOUN
cana-4736	3	3	examines	examine	VERB
cana-4736	3	4	the	the	DET
cana-4736	3	5	impact	impact	NOUN
cana-4736	3	6	of	of	ADP
cana-4736	3	7	rising	rise	VERB
cana-4736	3	8	real	real	ADJ
cana-4736	3	9	estate	estate	NOUN
cana-4736	3	10	prices	price	NOUN
cana-4736	3	11	,	,	PUNCT
cana-4736	3	12	interest	interest	NOUN
cana-4736	3	13	rates	rate	NOUN
cana-4736	3	14	,	,	PUNCT
cana-4736	3	15	and	and	CCONJ
cana-4736	3	16	household	household	NOUN
cana-4736	3	17	indebtedness	indebtedness	NOUN
cana-4736	3	18	on	on	ADP
cana-4736	3	19	housing	housing	NOUN
cana-4736	3	20	affordability	affordability	NOUN
cana-4736	3	21	in	in	ADP
cana-4736	3	22	slovakia	slovakia	PROPN
cana-4736	3	23	.	.	PUNCT
cana-4736	4	1	the	the	DET
cana-4736	4	2	post-1989	post-1989	ADJ
cana-4736	4	3	shift	shift	NOUN
cana-4736	4	4	from	from	ADP
cana-4736	4	5	state	state	NOUN
cana-4736	4	6	-	-	PUNCT
cana-4736	4	7	supported	support	VERB
cana-4736	4	8	housing	housing	NOUN
cana-4736	4	9	to	to	ADP
cana-4736	4	10	a	a	DET
cana-4736	4	11	market	market	NOUN
cana-4736	4	12	-	-	PUNCT
cana-4736	4	13	driven	drive	VERB
cana-4736	4	14	system	system	NOUN
cana-4736	4	15	has	have	AUX
cana-4736	4	16	exacerbated	exacerbate	VERB
cana-4736	4	17	challenges	challenge	NOUN
cana-4736	4	18	for	for	ADP
cana-4736	4	19	young	young	ADJ
cana-4736	4	20	families	family	NOUN
cana-4736	4	21	,	,	PUNCT
cana-4736	4	22	low	low	ADJ
cana-4736	4	23	-	-	PUNCT
cana-4736	4	24	income	income	NOUN
cana-4736	4	25	groups	group	NOUN
cana-4736	4	26	,	,	PUNCT
cana-4736	4	27	and	and	CCONJ
cana-4736	4	28	urban	urban	ADJ
cana-4736	4	29	residents	resident	NOUN
cana-4736	4	30	.	.	PUNCT
cana-4736	5	1	recent	recent	ADJ
cana-4736	5	2	trends	trend	NOUN
cana-4736	5	3	,	,	PUNCT
cana-4736	5	4	including	include	VERB
cana-4736	5	5	increasing	increase	VERB
cana-4736	5	6	real	real	ADJ
cana-4736	5	7	estate	estate	NOUN
cana-4736	5	8	prices	price	NOUN
cana-4736	5	9	and	and	CCONJ
cana-4736	5	10	inflation	inflation	NOUN
cana-4736	5	11	,	,	PUNCT
cana-4736	5	12	have	have	AUX
cana-4736	5	13	compounded	compound	VERB
cana-4736	5	14	affordability	affordability	NOUN
cana-4736	5	15	issues	issue	NOUN
cana-4736	5	16	,	,	PUNCT
cana-4736	5	17	driving	drive	VERB
cana-4736	5	18	up	up	ADP
cana-4736	5	19	household	household	NOUN
cana-4736	5	20	debt	debt	NOUN
cana-4736	5	21	,	,	PUNCT
cana-4736	5	22	particularly	particularly	ADV
cana-4736	5	23	through	through	ADP
cana-4736	5	24	mortgages	mortgage	NOUN
cana-4736	5	25	.	.	PUNCT
cana-4736	6	1	the	the	DET
cana-4736	6	2	analysis	analysis	NOUN
cana-4736	6	3	highlights	highlight	VERB
cana-4736	6	4	key	key	ADJ
cana-4736	6	5	determinants	determinant	NOUN
cana-4736	6	6	of	of	ADP
cana-4736	6	7	housing	housing	NOUN
cana-4736	6	8	affordability	affordability	NOUN
cana-4736	6	9	,	,	PUNCT
cana-4736	6	10	such	such	ADJ
cana-4736	6	11	as	as	ADP
cana-4736	6	12	rising	rise	VERB
cana-4736	6	13	property	property	NOUN
cana-4736	6	14	costs	cost	NOUN
cana-4736	6	15	,	,	PUNCT
cana-4736	6	16	income	income	NOUN
cana-4736	6	17	inequality	inequality	NOUN
cana-4736	6	18	,	,	PUNCT
cana-4736	6	19	and	and	CCONJ
cana-4736	6	20	the	the	DET
cana-4736	6	21	financial	financial	ADJ
cana-4736	6	22	burden	burden	NOUN
cana-4736	6	23	of	of	ADP
cana-4736	6	24	housing	housing	NOUN
cana-4736	6	25	expenses	expense	NOUN
cana-4736	6	26	.	.	PUNCT
cana-4736	7	1	policy	policy	NOUN
cana-4736	7	2	measures	measure	NOUN
cana-4736	7	3	,	,	PUNCT
cana-4736	7	4	including	include	VERB
cana-4736	7	5	stricter	strict	ADJ
cana-4736	7	6	lending	lending	NOUN
cana-4736	7	7	regulations	regulation	NOUN
cana-4736	7	8	and	and	CCONJ
cana-4736	7	9	adjustments	adjustment	NOUN
cana-4736	7	10	to	to	ADP
cana-4736	7	11	repayment	repayment	NOUN
cana-4736	7	12	structures	structure	NOUN
cana-4736	7	13	,	,	PUNCT
cana-4736	7	14	aim	aim	VERB
cana-4736	7	15	to	to	PART
cana-4736	7	16	address	address	VERB
cana-4736	7	17	these	these	DET
cana-4736	7	18	challenges	challenge	NOUN
cana-4736	7	19	.	.	PUNCT
cana-4736	8	1	however	however	ADV
cana-4736	8	2	,	,	PUNCT
cana-4736	8	3	the	the	DET
cana-4736	8	4	lack	lack	NOUN
cana-4736	8	5	of	of	ADP
cana-4736	8	6	rental	rental	ADJ
cana-4736	8	7	housing	housing	NOUN
cana-4736	8	8	,	,	PUNCT
cana-4736	8	9	especially	especially	ADV
cana-4736	8	10	for	for	ADP
cana-4736	8	11	middle	middle	ADJ
cana-4736	8	12	-	-	PUNCT
cana-4736	8	13	income	income	NOUN
cana-4736	8	14	families	family	NOUN
cana-4736	8	15	,	,	PUNCT
cana-4736	8	16	and	and	CCONJ
cana-4736	8	17	regional	regional	ADJ
cana-4736	8	18	disparities	disparity	NOUN
cana-4736	8	19	remain	remain	VERB
cana-4736	8	20	significant	significant	ADJ
cana-4736	8	21	obstacles	obstacle	NOUN
cana-4736	8	22	.	.	PUNCT
cana-4736	9	1	the	the	DET
cana-4736	9	2	authors	author	NOUN
cana-4736	9	3	conclude	conclude	VERB
cana-4736	9	4	that	that	SCONJ
cana-4736	9	5	without	without	ADP
cana-4736	9	6	substantial	substantial	ADJ
cana-4736	9	7	investment	investment	NOUN
cana-4736	9	8	in	in	ADP
cana-4736	9	9	affordable	affordable	ADJ
cana-4736	9	10	rental	rental	ADJ
cana-4736	9	11	housing	housing	NOUN
cana-4736	9	12	and	and	CCONJ
cana-4736	9	13	measures	measure	NOUN
cana-4736	9	14	to	to	PART
cana-4736	9	15	curb	curb	VERB
cana-4736	9	16	real	real	ADJ
cana-4736	9	17	estate	estate	NOUN
cana-4736	9	18	speculation	speculation	NOUN
cana-4736	9	19	,	,	PUNCT
cana-4736	9	20	the	the	DET
cana-4736	9	21	housing	housing	NOUN
cana-4736	9	22	crisis	crisis	NOUN
cana-4736	9	23	in	in	ADP
cana-4736	9	24	slovakia	slovakia	PROPN
cana-4736	9	25	may	may	AUX
cana-4736	9	26	deepen	deepen	VERB
cana-4736	9	27	,	,	PUNCT
cana-4736	9	28	posing	pose	VERB
cana-4736	9	29	risks	risk	NOUN
cana-4736	9	30	to	to	ADP
cana-4736	9	31	economic	economic	ADJ
cana-4736	9	32	stability	stability	NOUN
cana-4736	9	33	and	and	CCONJ
cana-4736	9	34	social	social	ADJ
cana-4736	9	35	equity	equity	NOUN
cana-4736	9	36	.	.	PUNCT
cana-4736	10	1	addressing	address	VERB
cana-4736	10	2	these	these	DET
cana-4736	10	3	issues	issue	NOUN
cana-4736	10	4	requires	require	VERB
cana-4736	10	5	coordinated	coordinated	ADJ
cana-4736	10	6	efforts	effort	NOUN
cana-4736	10	7	in	in	ADP
cana-4736	10	8	housing	housing	NOUN
cana-4736	10	9	policy	policy	NOUN
cana-4736	10	10	,	,	PUNCT
cana-4736	10	11	financial	financial	ADJ
cana-4736	10	12	regulation	regulation	NOUN
cana-4736	10	13	,	,	PUNCT
cana-4736	10	14	and	and	CCONJ
cana-4736	10	15	social	social	ADJ
cana-4736	10	16	support	support	NOUN
cana-4736	10	17	systems	system	NOUN
cana-4736	10	18	.	.	PUNCT
cana-4736	11	1	keywords	keyword	NOUN
cana-4736	11	2	:	:	PUNCT
cana-4736	11	3	household	household	NOUN
cana-4736	11	4	indebtedness	indebtedness	NOUN
cana-4736	11	5	,	,	PUNCT
cana-4736	11	6	housing	housing	NOUN
cana-4736	11	7	affordability	affordability	NOUN
cana-4736	11	8	,	,	PUNCT
cana-4736	11	9	real	real	ADJ
cana-4736	11	10	estate	estate	NOUN
cana-4736	11	11	prices	price	NOUN
cana-4736	11	12	,	,	PUNCT
cana-4736	11	13	rental	rental	ADJ
cana-4736	11	14	housing	housing	NOUN
cana-4736	11	15	.	.	PUNCT
cana-4736	12	1	introduction	introduction	NOUN
cana-4736	12	2	the	the	DET
cana-4736	12	3	current	current	ADJ
cana-4736	12	4	state	state	NOUN
cana-4736	12	5	of	of	ADP
cana-4736	12	6	housing	housing	NOUN
cana-4736	12	7	in	in	ADP
cana-4736	12	8	slovakia	slovakia	PROPN
cana-4736	12	9	is	be	AUX
cana-4736	12	10	the	the	DET
cana-4736	12	11	result	result	NOUN
cana-4736	12	12	of	of	ADP
cana-4736	12	13	a	a	DET
cana-4736	12	14	complex	complex	ADJ
cana-4736	12	15	historical	historical	ADJ
cana-4736	12	16	development	development	NOUN
cana-4736	12	17	.	.	PUNCT
cana-4736	13	1	before	before	ADP
cana-4736	13	2	1989	1989	NUM
cana-4736	13	3	,	,	PUNCT
cana-4736	13	4	the	the	DET
cana-4736	13	5	entire	entire	ADJ
cana-4736	13	6	housing	housing	NOUN
cana-4736	13	7	construction	construction	NOUN
cana-4736	13	8	financing	financing	NOUN
cana-4736	13	9	system	system	NOUN
cana-4736	13	10	was	be	AUX
cana-4736	13	11	based	base	VERB
cana-4736	13	12	on	on	ADP
cana-4736	13	13	the	the	DET
cana-4736	13	14	system	system	NOUN
cana-4736	13	15	of	of	ADP
cana-4736	13	16	planned	plan	VERB
cana-4736	13	17	management	management	NOUN
cana-4736	13	18	of	of	ADP
cana-4736	13	19	the	the	DET
cana-4736	13	20	national	national	ADJ
cana-4736	13	21	economy	economy	NOUN
cana-4736	13	22	,	,	PUNCT
cana-4736	13	23	which	which	PRON
cana-4736	13	24	meant	mean	VERB
cana-4736	13	25	that	that	SCONJ
cana-4736	13	26	the	the	DET
cana-4736	13	27	state	state	NOUN
cana-4736	13	28	participated	participate	VERB
cana-4736	13	29	in	in	ADP
cana-4736	13	30	complex	complex	ADJ
cana-4736	13	31	housing	housing	NOUN
cana-4736	13	32	construction	construction	NOUN
cana-4736	13	33	almost	almost	ADV
cana-4736	13	34	to	to	ADP
cana-4736	13	35	the	the	DET
cana-4736	13	36	full	full	ADJ
cana-4736	13	37	extent	extent	NOUN
cana-4736	13	38	.	.	PUNCT
cana-4736	14	1	after	after	ADP
cana-4736	14	2	1990	1990	NUM
cana-4736	14	3	,	,	PUNCT
cana-4736	14	4	the	the	DET
cana-4736	14	5	responsibility	responsibility	NOUN
cana-4736	14	6	for	for	ADP
cana-4736	14	7	housing	housing	NOUN
cana-4736	14	8	financing	financing	NOUN
cana-4736	14	9	in	in	ADP
cana-4736	14	10	slovakia	slovakia	PROPN
cana-4736	14	11	shifted	shift	VERB
cana-4736	14	12	from	from	ADP
cana-4736	14	13	the	the	DET
cana-4736	14	14	state	state	NOUN
cana-4736	14	15	to	to	ADP
cana-4736	14	16	citizens	citizen	NOUN
cana-4736	14	17	.	.	PUNCT
cana-4736	15	1	[	[	X
cana-4736	15	2	1	1	X
cana-4736	15	3	]	]	X
cana-4736	15	4	housing	housing	NOUN
cana-4736	15	5	affordability	affordability	NOUN
cana-4736	15	6	is	be	AUX
cana-4736	15	7	one	one	NUM
cana-4736	15	8	of	of	ADP
cana-4736	15	9	the	the	DET
cana-4736	15	10	most	most	ADV
cana-4736	15	11	significant	significant	ADJ
cana-4736	15	12	current	current	ADJ
cana-4736	15	13	problems	problem	NOUN
cana-4736	15	14	.	.	PUNCT
cana-4736	16	1	the	the	DET
cana-4736	16	2	overpriced	overpriced	ADJ
cana-4736	16	3	market	market	NOUN
cana-4736	16	4	and	and	CCONJ
cana-4736	16	5	the	the	DET
cana-4736	16	6	lack	lack	NOUN
cana-4736	16	7	of	of	ADP
cana-4736	16	8	rental	rental	ADJ
cana-4736	16	9	housing	housing	NOUN
cana-4736	16	10	create	create	VERB
cana-4736	16	11	barriers	barrier	NOUN
cana-4736	16	12	to	to	ADP
cana-4736	16	13	housing	housing	NOUN
cana-4736	16	14	affordability	affordability	NOUN
cana-4736	16	15	for	for	ADP
cana-4736	16	16	young	young	ADJ
cana-4736	16	17	families	family	NOUN
cana-4736	16	18	,	,	PUNCT
cana-4736	16	19	seniors	senior	NOUN
cana-4736	16	20	,	,	PUNCT
cana-4736	16	21	low	low	ADJ
cana-4736	16	22	-	-	PUNCT
cana-4736	16	23	income	income	NOUN
cana-4736	16	24	groups	group	NOUN
cana-4736	16	25	and	and	CCONJ
cana-4736	16	26	communications	communication	NOUN
cana-4736	16	27	on	on	ADP
cana-4736	16	28	applied	apply	VERB
cana-4736	16	29	nonlinear	nonlinear	ADJ
cana-4736	16	30	analysis	analysis	NOUN
cana-4736	16	31	issn	issn	NOUN
cana-4736	16	32	:	:	PUNCT
cana-4736	16	33	1074	1074	NUM
cana-4736	16	34	-	-	PUNCT
cana-4736	16	35	133x	133x	NUM
cana-4736	16	36	vol	vol	VERB
cana-4736	16	37	32	32	NUM
cana-4736	16	38	no	no	NOUN
cana-4736	16	39	.	.	PUNCT
cana-4736	17	1	10s	10	NOUN
cana-4736	17	2	(	(	PUNCT
cana-4736	17	3	2025	2025	NUM
cana-4736	17	4	)	)	PUNCT
cana-4736	17	5	267	267	NUM
cana-4736	17	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	17	7	residents	resident	NOUN
cana-4736	17	8	of	of	ADP
cana-4736	17	9	larger	large	ADJ
cana-4736	17	10	cities	city	NOUN
cana-4736	17	11	.	.	PUNCT
cana-4736	18	1	the	the	DET
cana-4736	18	2	years	year	NOUN
cana-4736	18	3	2021	2021	NUM
cana-4736	18	4	and	and	CCONJ
cana-4736	18	5	2022	2022	NUM
cana-4736	18	6	brought	bring	VERB
cana-4736	18	7	an	an	DET
cana-4736	18	8	increase	increase	NOUN
cana-4736	18	9	in	in	ADP
cana-4736	18	10	real	real	ADJ
cana-4736	18	11	estate	estate	NOUN
cana-4736	18	12	prices	price	NOUN
cana-4736	18	13	across	across	ADP
cana-4736	18	14	europe	europe	PROPN
cana-4736	18	15	.	.	PUNCT
cana-4736	19	1	many	many	ADJ
cana-4736	19	2	investors	investor	NOUN
cana-4736	19	3	redirected	redirect	VERB
cana-4736	19	4	their	their	PRON
cana-4736	19	5	funds	fund	NOUN
cana-4736	19	6	into	into	ADP
cana-4736	19	7	what	what	PRON
cana-4736	19	8	is	be	AUX
cana-4736	19	9	considered	consider	VERB
cana-4736	19	10	safe	safe	ADJ
cana-4736	19	11	in	in	ADP
cana-4736	19	12	turbulent	turbulent	ADJ
cana-4736	19	13	times	time	NOUN
cana-4736	19	14	primarily	primarily	ADV
cana-4736	19	15	real	real	ADJ
cana-4736	19	16	estate	estate	NOUN
cana-4736	19	17	,	,	PUNCT
cana-4736	19	18	which	which	PRON
cana-4736	19	19	is	be	AUX
cana-4736	19	20	often	often	ADV
cana-4736	19	21	also	also	ADV
cana-4736	19	22	considered	consider	VERB
cana-4736	19	23	a	a	DET
cana-4736	19	24	safe	safe	ADJ
cana-4736	19	25	haven	haven	NOUN
cana-4736	19	26	from	from	ADP
cana-4736	19	27	inflation	inflation	NOUN
cana-4736	19	28	.	.	PUNCT
cana-4736	20	1	in	in	ADP
cana-4736	20	2	times	time	NOUN
cana-4736	20	3	of	of	ADP
cana-4736	20	4	heightened	heightened	ADJ
cana-4736	20	5	economic	economic	ADJ
cana-4736	20	6	uncertainty	uncertainty	NOUN
cana-4736	20	7	and	and	CCONJ
cana-4736	20	8	inflationary	inflationary	ADJ
cana-4736	20	9	pressures	pressure	NOUN
cana-4736	20	10	,	,	PUNCT
cana-4736	20	11	the	the	DET
cana-4736	20	12	real	real	ADJ
cana-4736	20	13	estate	estate	NOUN
cana-4736	20	14	market	market	NOUN
cana-4736	20	15	can	can	AUX
cana-4736	20	16	be	be	AUX
cana-4736	20	17	perceived	perceive	VERB
cana-4736	20	18	as	as	ADP
cana-4736	20	19	a	a	DET
cana-4736	20	20	stable	stable	ADJ
cana-4736	20	21	and	and	CCONJ
cana-4736	20	22	safe	safe	ADJ
cana-4736	20	23	area	area	NOUN
cana-4736	20	24	to	to	PART
cana-4736	20	25	invest	invest	VERB
cana-4736	20	26	.	.	PUNCT
cana-4736	21	1	however	however	ADV
cana-4736	21	2	,	,	PUNCT
cana-4736	21	3	in	in	ADP
cana-4736	21	4	the	the	DET
cana-4736	21	5	rental	rental	ADJ
cana-4736	21	6	housing	housing	NOUN
cana-4736	21	7	sector	sector	NOUN
cana-4736	21	8	,	,	PUNCT
cana-4736	21	9	inflation	inflation	NOUN
cana-4736	21	10	can	can	AUX
cana-4736	21	11	also	also	ADV
cana-4736	21	12	affect	affect	VERB
cana-4736	21	13	rental	rental	ADJ
cana-4736	21	14	prices	price	NOUN
cana-4736	21	15	in	in	ADP
cana-4736	21	16	response	response	NOUN
cana-4736	21	17	to	to	ADP
cana-4736	21	18	the	the	DET
cana-4736	21	19	increasing	increase	VERB
cana-4736	21	20	costs	cost	NOUN
cana-4736	21	21	associated	associate	VERB
cana-4736	21	22	with	with	ADP
cana-4736	21	23	the	the	DET
cana-4736	21	24	maintenance	maintenance	NOUN
cana-4736	21	25	and	and	CCONJ
cana-4736	21	26	operation	operation	NOUN
cana-4736	21	27	of	of	ADP
cana-4736	21	28	the	the	DET
cana-4736	21	29	property	property	NOUN
cana-4736	21	30	.	.	PUNCT
cana-4736	22	1	on	on	ADP
cana-4736	22	2	the	the	DET
cana-4736	22	3	demand	demand	NOUN
cana-4736	22	4	side	side	NOUN
cana-4736	22	5	,	,	PUNCT
cana-4736	22	6	unprecedented	unprecedented	ADJ
cana-4736	22	7	pressures	pressure	NOUN
cana-4736	22	8	have	have	AUX
cana-4736	22	9	been	be	AUX
cana-4736	22	10	created	create	VERB
cana-4736	22	11	due	due	ADP
cana-4736	22	12	to	to	ADP
cana-4736	22	13	covid-19	covid-19	PROPN
cana-4736	22	14	restrictions	restriction	NOUN
cana-4736	22	15	.	.	PUNCT
cana-4736	23	1	the	the	DET
cana-4736	23	2	preference	preference	NOUN
cana-4736	23	3	for	for	ADP
cana-4736	23	4	home	home	NOUN
cana-4736	23	5	office	office	NOUN
cana-4736	23	6	,	,	PUNCT
cana-4736	23	7	the	the	DET
cana-4736	23	8	new	new	ADJ
cana-4736	23	9	needs	need	NOUN
cana-4736	23	10	for	for	ADP
cana-4736	23	11	working	work	VERB
cana-4736	23	12	outside	outside	ADP
cana-4736	23	13	the	the	DET
cana-4736	23	14	office	office	NOUN
cana-4736	23	15	creating	create	VERB
cana-4736	23	16	new	new	ADJ
cana-4736	23	17	job	job	NOUN
cana-4736	23	18	opportunities	opportunity	NOUN
cana-4736	23	19	,	,	PUNCT
cana-4736	23	20	and	and	CCONJ
cana-4736	23	21	a	a	DET
cana-4736	23	22	significant	significant	ADJ
cana-4736	23	23	tourist	tourist	NOUN
cana-4736	23	24	deficit	deficit	NOUN
cana-4736	23	25	[	[	X
cana-4736	23	26	2	2	NUM
cana-4736	23	27	]	]	PUNCT
cana-4736	23	28	,	,	PUNCT
cana-4736	23	29	as	as	ADV
cana-4736	23	30	well	well	ADV
cana-4736	23	31	as	as	ADP
cana-4736	23	32	fiscal	fiscal	ADJ
cana-4736	23	33	easing	easing	NOUN
cana-4736	23	34	[	[	X
cana-4736	23	35	3	3	X
cana-4736	23	36	]	]	PUNCT
cana-4736	23	37	have	have	AUX
cana-4736	23	38	combined	combine	VERB
cana-4736	23	39	to	to	PART
cana-4736	23	40	create	create	VERB
cana-4736	23	41	a	a	DET
cana-4736	23	42	highly	highly	ADV
cana-4736	23	43	diversified	diversified	ADJ
cana-4736	23	44	and	and	CCONJ
cana-4736	23	45	regional	regional	ADJ
cana-4736	23	46	shift	shift	NOUN
cana-4736	23	47	in	in	ADP
cana-4736	23	48	demand	demand	NOUN
cana-4736	23	49	for	for	ADP
cana-4736	23	50	properties	property	NOUN
cana-4736	23	51	for	for	ADP
cana-4736	23	52	sale	sale	NOUN
cana-4736	23	53	and	and	CCONJ
cana-4736	23	54	rent	rent	NOUN
cana-4736	23	55	.	.	PUNCT
cana-4736	24	1	an	an	DET
cana-4736	24	2	important	important	ADJ
cana-4736	24	3	determinant	determinant	ADJ
cana-4736	24	4	is	be	AUX
cana-4736	24	5	interest	interest	NOUN
cana-4736	24	6	rates	rate	NOUN
cana-4736	24	7	,	,	PUNCT
cana-4736	24	8	the	the	DET
cana-4736	24	9	rise	rise	NOUN
cana-4736	24	10	of	of	ADP
cana-4736	24	11	which	which	PRON
cana-4736	24	12	has	have	VERB
cana-4736	24	13	significant	significant	ADJ
cana-4736	24	14	implications	implication	NOUN
cana-4736	24	15	for	for	ADP
cana-4736	24	16	the	the	DET
cana-4736	24	17	housing	housing	NOUN
cana-4736	24	18	market	market	NOUN
cana-4736	24	19	and	and	CCONJ
cana-4736	24	20	affects	affect	VERB
cana-4736	24	21	both	both	DET
cana-4736	24	22	consumer	consumer	NOUN
cana-4736	24	23	behavior	behavior	NOUN
cana-4736	24	24	and	and	CCONJ
cana-4736	24	25	broader	broad	ADJ
cana-4736	24	26	economic	economic	ADJ
cana-4736	24	27	dynamics	dynamic	NOUN
cana-4736	24	28	.	.	PUNCT
cana-4736	25	1	when	when	SCONJ
cana-4736	25	2	mortgage	mortgage	NOUN
cana-4736	25	3	interest	interest	NOUN
cana-4736	25	4	rates	rate	NOUN
cana-4736	25	5	increase	increase	VERB
cana-4736	25	6	,	,	PUNCT
cana-4736	25	7	the	the	DET
cana-4736	25	8	cost	cost	NOUN
cana-4736	25	9	of	of	ADP
cana-4736	25	10	borrowing	borrowing	NOUN
cana-4736	25	11	increases	increase	NOUN
cana-4736	25	12	,	,	PUNCT
cana-4736	25	13	which	which	PRON
cana-4736	25	14	can	can	AUX
cana-4736	25	15	lead	lead	VERB
cana-4736	25	16	to	to	ADP
cana-4736	25	17	a	a	DET
cana-4736	25	18	decrease	decrease	NOUN
cana-4736	25	19	in	in	ADP
cana-4736	25	20	mortgage	mortgage	NOUN
cana-4736	25	21	utilization	utilization	NOUN
cana-4736	25	22	among	among	ADP
cana-4736	25	23	potential	potential	ADJ
cana-4736	25	24	buyers	buyer	NOUN
cana-4736	25	25	.	.	PUNCT
cana-4736	26	1	this	this	DET
cana-4736	26	2	relationship	relationship	NOUN
cana-4736	26	3	is	be	AUX
cana-4736	26	4	well	well	ADV
cana-4736	26	5	documented	document	VERB
cana-4736	26	6	in	in	ADP
cana-4736	26	7	the	the	DET
cana-4736	26	8	literature	literature	NOUN
cana-4736	26	9	,	,	PUNCT
cana-4736	26	10	where	where	SCONJ
cana-4736	26	11	studies	study	NOUN
cana-4736	26	12	have	have	AUX
cana-4736	26	13	shown	show	VERB
cana-4736	26	14	that	that	SCONJ
cana-4736	26	15	higher	high	ADJ
cana-4736	26	16	interest	interest	NOUN
cana-4736	26	17	rates	rate	NOUN
cana-4736	26	18	are	be	AUX
cana-4736	26	19	negatively	negatively	ADV
cana-4736	26	20	correlated	correlate	VERB
cana-4736	26	21	with	with	ADP
cana-4736	26	22	the	the	DET
cana-4736	26	23	demand	demand	NOUN
cana-4736	26	24	for	for	ADP
cana-4736	26	25	mortgage	mortgage	NOUN
cana-4736	26	26	loans	loan	NOUN
cana-4736	26	27	.	.	PUNCT
cana-4736	27	1	for	for	ADP
cana-4736	27	2	example	example	NOUN
cana-4736	27	3	,	,	PUNCT
cana-4736	27	4	dajcman	dajcman	ADJ
cana-4736	27	5	notes	note	NOUN
cana-4736	27	6	that	that	SCONJ
cana-4736	27	7	changes	change	NOUN
cana-4736	27	8	in	in	ADP
cana-4736	27	9	bank	bank	NOUN
cana-4736	27	10	lending	lending	NOUN
cana-4736	27	11	standards	standard	NOUN
cana-4736	27	12	and	and	CCONJ
cana-4736	27	13	rising	rise	VERB
cana-4736	27	14	mortgage	mortgage	NOUN
cana-4736	27	15	interest	interest	NOUN
cana-4736	27	16	rates	rate	NOUN
cana-4736	27	17	for	for	ADP
cana-4736	27	18	residential	residential	ADJ
cana-4736	27	19	mortgages	mortgage	NOUN
cana-4736	27	20	are	be	AUX
cana-4736	27	21	negatively	negatively	ADV
cana-4736	27	22	associated	associate	VERB
cana-4736	27	23	with	with	ADP
cana-4736	27	24	the	the	DET
cana-4736	27	25	demand	demand	NOUN
cana-4736	27	26	for	for	ADP
cana-4736	27	27	mortgage	mortgage	NOUN
cana-4736	27	28	loans	loan	NOUN
cana-4736	27	29	,	,	PUNCT
cana-4736	27	30	especially	especially	ADV
cana-4736	27	31	after	after	ADP
cana-4736	27	32	the	the	DET
cana-4736	27	33	onset	onset	NOUN
cana-4736	27	34	of	of	ADP
cana-4736	27	35	the	the	DET
cana-4736	27	36	subprime	subprime	ADJ
cana-4736	27	37	mortgage	mortgage	NOUN
cana-4736	27	38	crisis	crisis	NOUN
cana-4736	27	39	[	[	X
cana-4736	27	40	4	4	NUM
cana-4736	27	41	]	]	PUNCT
cana-4736	27	42	.	.	PUNCT
cana-4736	28	1	moreover	moreover	ADV
cana-4736	28	2	,	,	PUNCT
cana-4736	28	3	the	the	DET
cana-4736	28	4	impact	impact	NOUN
cana-4736	28	5	of	of	ADP
cana-4736	28	6	rising	rise	VERB
cana-4736	28	7	mortgage	mortgage	NOUN
cana-4736	28	8	interest	interest	NOUN
cana-4736	28	9	rates	rate	NOUN
cana-4736	28	10	goes	go	VERB
cana-4736	28	11	beyond	beyond	ADP
cana-4736	28	12	individual	individual	ADJ
cana-4736	28	13	borrowing	borrowing	NOUN
cana-4736	28	14	decisions	decision	NOUN
cana-4736	28	15	and	and	CCONJ
cana-4736	28	16	affects	affect	VERB
cana-4736	28	17	the	the	DET
cana-4736	28	18	overall	overall	ADJ
cana-4736	28	19	housing	housing	NOUN
cana-4736	28	20	market	market	NOUN
cana-4736	28	21	and	and	CCONJ
cana-4736	28	22	economic	economic	ADJ
cana-4736	28	23	growth	growth	NOUN
cana-4736	28	24	.	.	PUNCT
cana-4736	29	1	chong	chong	PROPN
cana-4736	29	2	discusses	discuss	VERB
cana-4736	29	3	how	how	SCONJ
cana-4736	29	4	higher	high	ADJ
cana-4736	29	5	mortgage	mortgage	NOUN
cana-4736	29	6	interest	interest	NOUN
cana-4736	29	7	rates	rate	NOUN
cana-4736	29	8	can	can	AUX
cana-4736	29	9	reduce	reduce	VERB
cana-4736	29	10	the	the	DET
cana-4736	29	11	value	value	NOUN
cana-4736	29	12	of	of	ADP
cana-4736	29	13	real	real	ADJ
cana-4736	29	14	estate	estate	NOUN
cana-4736	29	15	investments	investment	NOUN
cana-4736	29	16	,	,	PUNCT
cana-4736	29	17	leading	lead	VERB
cana-4736	29	18	to	to	ADP
cana-4736	29	19	a	a	DET
cana-4736	29	20	potential	potential	ADJ
cana-4736	29	21	decline	decline	NOUN
cana-4736	29	22	in	in	ADP
cana-4736	29	23	house	house	NOUN
cana-4736	29	24	prices	price	NOUN
cana-4736	30	1	[	[	X
cana-4736	30	2	5	5	NUM
cana-4736	30	3	]	]	PUNCT
cana-4736	30	4	.	.	PUNCT
cana-4736	31	1	this	this	PRON
cana-4736	31	2	is	be	AUX
cana-4736	31	3	supported	support	VERB
cana-4736	31	4	by	by	ADP
cana-4736	31	5	the	the	DET
cana-4736	31	6	findings	finding	NOUN
cana-4736	31	7	of	of	ADP
cana-4736	31	8	owuor	owuor	NOUN
cana-4736	31	9	et	et	PROPN
cana-4736	31	10	al	al	PROPN
cana-4736	31	11	.	.	PROPN
cana-4736	31	12	,	,	PUNCT
cana-4736	31	13	who	who	PRON
cana-4736	31	14	establish	establish	VERB
cana-4736	31	15	a	a	DET
cana-4736	31	16	significant	significant	ADJ
cana-4736	31	17	relationship	relationship	NOUN
cana-4736	31	18	between	between	ADP
cana-4736	31	19	interest	interest	NOUN
cana-4736	31	20	rates	rate	NOUN
cana-4736	31	21	and	and	CCONJ
cana-4736	31	22	mortgage	mortgage	NOUN
cana-4736	31	23	market	market	NOUN
cana-4736	31	24	growth	growth	NOUN
cana-4736	31	25	,	,	PUNCT
cana-4736	31	26	suggesting	suggest	VERB
cana-4736	31	27	that	that	SCONJ
cana-4736	31	28	rising	rise	VERB
cana-4736	31	29	rates	rate	NOUN
cana-4736	31	30	adversely	adversely	ADV
cana-4736	31	31	affect	affect	VERB
cana-4736	31	32	mortgage	mortgage	NOUN
cana-4736	31	33	market	market	NOUN
cana-4736	31	34	growth	growth	NOUN
cana-4736	32	1	[	[	X
cana-4736	32	2	6	6	NUM
cana-4736	32	3	]	]	PUNCT
cana-4736	32	4	.	.	PUNCT
cana-4736	33	1	the	the	DET
cana-4736	33	2	interplay	interplay	NOUN
cana-4736	33	3	between	between	ADP
cana-4736	33	4	macroeconomic	macroeconomic	ADJ
cana-4736	33	5	variables	variable	NOUN
cana-4736	33	6	,	,	PUNCT
cana-4736	33	7	including	include	VERB
cana-4736	33	8	gdp	gdp	NOUN
cana-4736	33	9	and	and	CCONJ
cana-4736	33	10	inflation	inflation	NOUN
cana-4736	33	11	,	,	PUNCT
cana-4736	33	12	further	far	ADV
cana-4736	33	13	complicates	complicate	VERB
cana-4736	33	14	this	this	DET
cana-4736	33	15	relationship	relationship	NOUN
cana-4736	33	16	,	,	PUNCT
cana-4736	33	17	as	as	SCONJ
cana-4736	33	18	demonstrated	demonstrate	VERB
cana-4736	33	19	by	by	ADP
cana-4736	33	20	maina	maina	PROPN
cana-4736	33	21	and	and	CCONJ
cana-4736	33	22	omboi	omboi	PROPN
cana-4736	33	23	,	,	PUNCT
cana-4736	33	24	who	who	PRON
cana-4736	33	25	find	find	VERB
cana-4736	33	26	a	a	DET
cana-4736	33	27	high	high	ADJ
cana-4736	33	28	correlation	correlation	NOUN
cana-4736	33	29	between	between	ADP
cana-4736	33	30	mortgage	mortgage	NOUN
cana-4736	33	31	drawdowns	drawdown	NOUN
cana-4736	33	32	and	and	CCONJ
cana-4736	33	33	gdp	gdp	NOUN
cana-4736	33	34	,	,	PUNCT
cana-4736	33	35	along	along	ADP
cana-4736	33	36	with	with	ADP
cana-4736	33	37	a	a	DET
cana-4736	33	38	modest	modest	ADJ
cana-4736	33	39	correlation	correlation	NOUN
cana-4736	33	40	with	with	ADP
cana-4736	33	41	interest	interest	NOUN
cana-4736	33	42	rates	rate	NOUN
cana-4736	33	43	[	[	X
cana-4736	33	44	7	7	NUM
cana-4736	33	45	]	]	PUNCT
cana-4736	33	46	.	.	PUNCT
cana-4736	34	1	mortgage	mortgage	NOUN
cana-4736	34	2	interest	interest	NOUN
cana-4736	34	3	rate	rate	NOUN
cana-4736	34	4	dynamics	dynamic	NOUN
cana-4736	34	5	also	also	ADV
cana-4736	34	6	affect	affect	VERB
cana-4736	34	7	the	the	DET
cana-4736	34	8	types	type	NOUN
cana-4736	34	9	of	of	ADP
cana-4736	34	10	mortgage	mortgage	NOUN
cana-4736	34	11	products	product	NOUN
cana-4736	34	12	that	that	PRON
cana-4736	34	13	consumers	consumer	NOUN
cana-4736	34	14	choose	choose	VERB
cana-4736	34	15	.	.	PUNCT
cana-4736	35	1	for	for	ADP
cana-4736	35	2	example	example	NOUN
cana-4736	35	3	,	,	PUNCT
cana-4736	35	4	when	when	SCONJ
cana-4736	35	5	interest	interest	NOUN
cana-4736	35	6	rates	rate	NOUN
cana-4736	35	7	are	be	AUX
cana-4736	35	8	high	high	ADJ
cana-4736	35	9	,	,	PUNCT
cana-4736	35	10	borrowers	borrower	NOUN
cana-4736	35	11	may	may	AUX
cana-4736	35	12	gravitate	gravitate	VERB
cana-4736	35	13	toward	toward	ADP
cana-4736	35	14	adjustablerate	adjustablerate	ADJ
cana-4736	35	15	mortgages	mortgage	NOUN
cana-4736	35	16	(	(	PUNCT
cana-4736	35	17	arms	arm	NOUN
cana-4736	35	18	)	)	PUNCT
cana-4736	35	19	as	as	ADP
cana-4736	35	20	a	a	DET
cana-4736	35	21	means	means	NOUN
cana-4736	35	22	of	of	ADP
cana-4736	35	23	mitigating	mitigate	VERB
cana-4736	35	24	upfront	upfront	ADJ
cana-4736	35	25	costs	cost	NOUN
cana-4736	35	26	,	,	PUNCT
cana-4736	35	27	despite	despite	SCONJ
cana-4736	35	28	the	the	DET
cana-4736	35	29	long	long	ADJ
cana-4736	35	30	-	-	PUNCT
cana-4736	35	31	term	term	NOUN
cana-4736	35	32	risks	risk	NOUN
cana-4736	35	33	associated	associate	VERB
cana-4736	35	34	with	with	ADP
cana-4736	35	35	potential	potential	ADJ
cana-4736	35	36	rate	rate	NOUN
cana-4736	35	37	increases	increase	NOUN
cana-4736	35	38	.	.	PUNCT
cana-4736	36	1	this	this	DET
cana-4736	36	2	behavior	behavior	NOUN
cana-4736	36	3	is	be	AUX
cana-4736	36	4	noted	note	VERB
cana-4736	36	5	by	by	ADP
cana-4736	36	6	basten	basten	PROPN
cana-4736	36	7	and	and	CCONJ
cana-4736	36	8	koch	koch	PROPN
cana-4736	36	9	,	,	PUNCT
cana-4736	36	10	who	who	PRON
cana-4736	36	11	discuss	discuss	VERB
cana-4736	36	12	how	how	SCONJ
cana-4736	36	13	capital	capital	NOUN
cana-4736	36	14	-	-	PUNCT
cana-4736	36	15	constrained	constrain	VERB
cana-4736	36	16	banks	bank	NOUN
cana-4736	36	17	tend	tend	VERB
cana-4736	36	18	to	to	PART
cana-4736	36	19	raise	raise	VERB
cana-4736	36	20	mortgage	mortgage	NOUN
cana-4736	36	21	rates	rate	NOUN
cana-4736	36	22	more	more	ADV
cana-4736	36	23	significantly	significantly	ADV
cana-4736	36	24	,	,	PUNCT
cana-4736	36	25	thereby	thereby	ADV
cana-4736	36	26	influencing	influence	VERB
cana-4736	36	27	consumer	consumer	NOUN
cana-4736	36	28	decisions	decision	NOUN
cana-4736	36	29	regarding	regard	VERB
cana-4736	36	30	arms	arm	NOUN
cana-4736	36	31	[	[	X
cana-4736	36	32	8	8	NUM
cana-4736	36	33	]	]	PUNCT
cana-4736	36	34	.	.	PUNCT
cana-4736	37	1	furthermore	furthermore	ADV
cana-4736	37	2	,	,	PUNCT
cana-4736	37	3	the	the	DET
cana-4736	37	4	choice	choice	NOUN
cana-4736	37	5	between	between	ADP
cana-4736	37	6	fixed	fix	VERB
cana-4736	37	7	and	and	CCONJ
cana-4736	37	8	adjustable	adjustable	ADJ
cana-4736	37	9	-	-	PUNCT
cana-4736	37	10	rate	rate	NOUN
cana-4736	37	11	mortgages	mortgage	NOUN
cana-4736	37	12	is	be	AUX
cana-4736	37	13	often	often	ADV
cana-4736	37	14	driven	drive	VERB
cana-4736	37	15	by	by	ADP
cana-4736	37	16	the	the	DET
cana-4736	37	17	relative	relative	ADJ
cana-4736	37	18	spreads	spread	NOUN
cana-4736	37	19	between	between	ADP
cana-4736	37	20	these	these	DET
cana-4736	37	21	products	product	NOUN
cana-4736	37	22	,	,	PUNCT
cana-4736	37	23	communications	communication	NOUN
cana-4736	37	24	on	on	ADP
cana-4736	37	25	applied	apply	VERB
cana-4736	37	26	nonlinear	nonlinear	ADJ
cana-4736	37	27	analysis	analysis	NOUN
cana-4736	37	28	issn	issn	NOUN
cana-4736	37	29	:	:	PUNCT
cana-4736	37	30	1074	1074	NUM
cana-4736	37	31	-	-	PUNCT
cana-4736	37	32	133x	133x	NUM
cana-4736	37	33	vol	vol	VERB
cana-4736	37	34	32	32	NUM
cana-4736	37	35	no	no	NOUN
cana-4736	37	36	.	.	PUNCT
cana-4736	37	37	10s	10	NOUN
cana-4736	37	38	(	(	PUNCT
cana-4736	37	39	2025	2025	NUM
cana-4736	37	40	)	)	PUNCT
cana-4736	37	41	268	268	NUM
cana-4736	37	42	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	37	43	as	as	SCONJ
cana-4736	37	44	pointed	point	VERB
cana-4736	37	45	out	out	ADP
cana-4736	37	46	by	by	ADP
cana-4736	37	47	defusco	defusco	PROPN
cana-4736	37	48	and	and	CCONJ
cana-4736	37	49	paciorek	paciorek	PROPN
cana-4736	37	50	,	,	PUNCT
cana-4736	37	51	who	who	PRON
cana-4736	37	52	emphasize	emphasize	VERB
cana-4736	37	53	the	the	DET
cana-4736	37	54	importance	importance	NOUN
cana-4736	37	55	of	of	ADP
cana-4736	37	56	interest	interest	NOUN
cana-4736	37	57	rate	rate	NOUN
cana-4736	37	58	elasticity	elasticity	NOUN
cana-4736	37	59	in	in	ADP
cana-4736	37	60	mortgage	mortgage	NOUN
cana-4736	37	61	demand	demand	NOUN
cana-4736	37	62	[	[	X
cana-4736	37	63	9	9	NUM
cana-4736	37	64	]	]	PUNCT
cana-4736	37	65	.	.	PUNCT
cana-4736	38	1	the	the	DET
cana-4736	38	2	consequences	consequence	NOUN
cana-4736	38	3	of	of	ADP
cana-4736	38	4	rising	rise	VERB
cana-4736	38	5	mortgage	mortgage	NOUN
cana-4736	38	6	rates	rate	NOUN
cana-4736	38	7	are	be	AUX
cana-4736	38	8	not	not	PART
cana-4736	38	9	limited	limit	VERB
cana-4736	38	10	to	to	ADP
cana-4736	38	11	the	the	DET
cana-4736	38	12	housing	housing	NOUN
cana-4736	38	13	market	market	NOUN
cana-4736	38	14	;	;	PUNCT
cana-4736	38	15	they	they	PRON
cana-4736	38	16	also	also	ADV
cana-4736	38	17	have	have	VERB
cana-4736	38	18	broader	broad	ADJ
cana-4736	38	19	economic	economic	ADJ
cana-4736	38	20	implications	implication	NOUN
cana-4736	38	21	.	.	PUNCT
cana-4736	39	1	for	for	ADP
cana-4736	39	2	example	example	NOUN
cana-4736	39	3	,	,	PUNCT
cana-4736	39	4	higher	high	ADJ
cana-4736	39	5	interest	interest	NOUN
cana-4736	39	6	rates	rate	NOUN
cana-4736	39	7	may	may	AUX
cana-4736	39	8	lead	lead	VERB
cana-4736	39	9	to	to	ADP
cana-4736	39	10	increased	increase	VERB
cana-4736	39	11	default	default	NOUN
cana-4736	39	12	rates	rate	NOUN
cana-4736	39	13	,	,	PUNCT
cana-4736	39	14	particularly	particularly	ADV
cana-4736	39	15	among	among	ADP
cana-4736	39	16	borrowers	borrower	NOUN
cana-4736	39	17	with	with	ADP
cana-4736	39	18	adjustablerate	adjustablerate	ADJ
cana-4736	39	19	mortgages	mortgage	NOUN
cana-4736	39	20	,	,	PUNCT
cana-4736	39	21	as	as	SCONJ
cana-4736	39	22	noted	note	VERB
cana-4736	39	23	by	by	ADP
cana-4736	39	24	campbell	campbell	PROPN
cana-4736	39	25	and	and	CCONJ
cana-4736	39	26	cocco	cocco	PROPN
cana-4736	39	27	,	,	PUNCT
cana-4736	39	28	who	who	PRON
cana-4736	39	29	link	link	VERB
cana-4736	39	30	mortgage	mortgage	NOUN
cana-4736	39	31	selection	selection	NOUN
cana-4736	39	32	to	to	PART
cana-4736	39	33	default	default	VERB
cana-4736	39	34	rates	rate	NOUN
cana-4736	39	35	during	during	ADP
cana-4736	39	36	economic	economic	ADJ
cana-4736	39	37	downturns	downturn	NOUN
cana-4736	39	38	[	[	X
cana-4736	39	39	10	10	NUM
cana-4736	39	40	]	]	PUNCT
cana-4736	39	41	.	.	PUNCT
cana-4736	40	1	the	the	DET
cana-4736	40	2	financial	financial	ADJ
cana-4736	40	3	burden	burden	NOUN
cana-4736	40	4	caused	cause	VERB
cana-4736	40	5	by	by	ADP
cana-4736	40	6	rising	rise	VERB
cana-4736	40	7	rates	rate	NOUN
cana-4736	40	8	may	may	AUX
cana-4736	40	9	exacerbate	exacerbate	VERB
cana-4736	40	10	existing	exist	VERB
cana-4736	40	11	vulnerabilities	vulnerability	NOUN
cana-4736	40	12	in	in	ADP
cana-4736	40	13	the	the	DET
cana-4736	40	14	housing	housing	NOUN
cana-4736	40	15	market	market	NOUN
cana-4736	40	16	,	,	PUNCT
cana-4736	40	17	as	as	SCONJ
cana-4736	40	18	campbell	campbell	PROPN
cana-4736	40	19	et	et	PROPN
cana-4736	40	20	al	al	PROPN
cana-4736	40	21	.	.	PUNCT
cana-4736	41	1	[	[	X
cana-4736	41	2	11	11	NUM
cana-4736	41	3	]	]	PUNCT
cana-4736	41	4	have	have	AUX
cana-4736	41	5	argued	argue	VERB
cana-4736	41	6	.	.	PUNCT
cana-4736	42	1	low	low	ADJ
cana-4736	42	2	-	-	PUNCT
cana-4736	42	3	income	income	NOUN
cana-4736	42	4	groups	group	NOUN
cana-4736	42	5	in	in	ADP
cana-4736	42	6	particular	particular	ADJ
cana-4736	42	7	may	may	AUX
cana-4736	42	8	face	face	VERB
cana-4736	42	9	constraints	constraint	NOUN
cana-4736	42	10	in	in	ADP
cana-4736	42	11	accessing	access	VERB
cana-4736	42	12	adequate	adequate	ADJ
cana-4736	42	13	housing	housing	NOUN
cana-4736	42	14	.	.	PUNCT
cana-4736	43	1	inflation	inflation	NOUN
cana-4736	43	2	may	may	AUX
cana-4736	43	3	also	also	ADV
cana-4736	43	4	affect	affect	VERB
cana-4736	43	5	rental	rental	ADJ
cana-4736	43	6	prices	price	NOUN
cana-4736	43	7	in	in	ADP
cana-4736	43	8	rental	rental	ADJ
cana-4736	43	9	housing	housing	NOUN
cana-4736	43	10	.	.	PUNCT
cana-4736	44	1	slovak	slovak	ADJ
cana-4736	44	2	households	household	NOUN
cana-4736	44	3	,	,	PUNCT
cana-4736	44	4	which	which	PRON
cana-4736	44	5	are	be	AUX
cana-4736	44	6	already	already	ADV
cana-4736	44	7	at	at	ADP
cana-4736	44	8	record	record	NOUN
cana-4736	44	9	levels	level	NOUN
cana-4736	44	10	of	of	ADP
cana-4736	44	11	debt	debt	NOUN
cana-4736	44	12	,	,	PUNCT
cana-4736	44	13	may	may	AUX
cana-4736	44	14	also	also	ADV
cana-4736	44	15	struggle	struggle	VERB
cana-4736	44	16	to	to	PART
cana-4736	44	17	pay	pay	VERB
cana-4736	44	18	off	off	ADP
cana-4736	44	19	higher	high	ADJ
cana-4736	44	20	-	-	PUNCT
cana-4736	44	21	interest	interest	NOUN
cana-4736	44	22	mortgages	mortgage	NOUN
cana-4736	44	23	..	..	PUNCT
cana-4736	44	24	methodology	methodology	NOUN
cana-4736	44	25	,	,	PUNCT
cana-4736	44	26	materials	material	NOUN
cana-4736	44	27	and	and	CCONJ
cana-4736	44	28	sources	source	NOUN
cana-4736	44	29	this	this	DET
cana-4736	44	30	article	article	NOUN
cana-4736	44	31	examines	examine	VERB
cana-4736	44	32	the	the	DET
cana-4736	44	33	factors	factor	NOUN
cana-4736	44	34	influencing	influence	VERB
cana-4736	44	35	housing	housing	NOUN
cana-4736	44	36	affordability	affordability	NOUN
cana-4736	44	37	and	and	CCONJ
cana-4736	44	38	household	household	NOUN
cana-4736	44	39	indebtedness	indebtedness	NOUN
cana-4736	44	40	in	in	ADP
cana-4736	44	41	slovakia	slovakia	PROPN
cana-4736	44	42	.	.	PUNCT
cana-4736	45	1	the	the	DET
cana-4736	45	2	methodology	methodology	NOUN
cana-4736	45	3	combines	combine	VERB
cana-4736	45	4	quantitative	quantitative	ADJ
cana-4736	45	5	and	and	CCONJ
cana-4736	45	6	qualitative	qualitative	ADJ
cana-4736	45	7	analyses	analysis	NOUN
cana-4736	45	8	to	to	PART
cana-4736	45	9	provide	provide	VERB
cana-4736	45	10	a	a	DET
cana-4736	45	11	holistic	holistic	ADJ
cana-4736	45	12	view	view	NOUN
cana-4736	45	13	of	of	ADP
cana-4736	45	14	the	the	DET
cana-4736	45	15	housing	housing	NOUN
cana-4736	45	16	market	market	NOUN
cana-4736	45	17	dynamics	dynamic	NOUN
cana-4736	45	18	.	.	PUNCT
cana-4736	46	1	the	the	DET
cana-4736	46	2	key	key	ADJ
cana-4736	46	3	methodological	methodological	ADJ
cana-4736	46	4	steps	step	NOUN
cana-4736	46	5	include	include	VERB
cana-4736	46	6	:	:	PUNCT
cana-4736	46	7	primary	primary	ADJ
cana-4736	46	8	data	datum	NOUN
cana-4736	46	9	related	relate	VERB
cana-4736	46	10	to	to	ADP
cana-4736	46	11	real	real	ADJ
cana-4736	46	12	estate	estate	NOUN
cana-4736	46	13	prices	price	NOUN
cana-4736	46	14	,	,	PUNCT
cana-4736	46	15	household	household	NOUN
cana-4736	46	16	income	income	NOUN
cana-4736	46	17	,	,	PUNCT
cana-4736	46	18	and	and	CCONJ
cana-4736	46	19	debt	debt	NOUN
cana-4736	46	20	levels	level	NOUN
cana-4736	46	21	were	be	AUX
cana-4736	46	22	collected	collect	VERB
cana-4736	46	23	from	from	ADP
cana-4736	46	24	national	national	ADJ
cana-4736	46	25	statistical	statistical	ADJ
cana-4736	46	26	offices	office	NOUN
cana-4736	46	27	,	,	PUNCT
cana-4736	46	28	financial	financial	ADJ
cana-4736	46	29	institutions	institution	NOUN
cana-4736	46	30	,	,	PUNCT
cana-4736	46	31	and	and	CCONJ
cana-4736	46	32	relevant	relevant	ADJ
cana-4736	46	33	government	government	NOUN
cana-4736	46	34	reports	report	VERB
cana-4736	46	35	.	.	PUNCT
cana-4736	47	1	secondary	secondary	ADJ
cana-4736	47	2	data	datum	NOUN
cana-4736	47	3	from	from	ADP
cana-4736	47	4	literature	literature	NOUN
cana-4736	47	5	from	from	ADP
cana-4736	47	6	academic	academic	ADJ
cana-4736	47	7	journals	journal	NOUN
cana-4736	47	8	,	,	PUNCT
cana-4736	47	9	policy	policy	NOUN
cana-4736	47	10	briefs	brief	NOUN
cana-4736	47	11	,	,	PUNCT
cana-4736	47	12	and	and	CCONJ
cana-4736	47	13	international	international	ADJ
cana-4736	47	14	databases	database	NOUN
cana-4736	47	15	,	,	PUNCT
cana-4736	47	16	such	such	ADJ
cana-4736	47	17	as	as	ADP
cana-4736	47	18	eurostat	eurostat	PROPN
cana-4736	47	19	and	and	CCONJ
cana-4736	47	20	oecd	oecd	PROPN
cana-4736	47	21	reports	report	NOUN
cana-4736	47	22	,	,	PUNCT
cana-4736	47	23	provide	provide	VERB
cana-4736	47	24	contextual	contextual	ADJ
cana-4736	47	25	insights	insight	NOUN
cana-4736	47	26	and	and	CCONJ
cana-4736	47	27	comparative	comparative	ADJ
cana-4736	47	28	analysis	analysis	NOUN
cana-4736	47	29	.	.	PUNCT
cana-4736	48	1	statistical	statistical	ADJ
cana-4736	48	2	methods	method	NOUN
cana-4736	48	3	were	be	AUX
cana-4736	48	4	used	use	VERB
cana-4736	48	5	to	to	PART
cana-4736	48	6	analyze	analyze	VERB
cana-4736	48	7	trends	trend	NOUN
cana-4736	48	8	in	in	ADP
cana-4736	48	9	real	real	ADJ
cana-4736	48	10	estate	estate	NOUN
cana-4736	48	11	prices	price	NOUN
cana-4736	48	12	,	,	PUNCT
cana-4736	48	13	income	income	NOUN
cana-4736	48	14	distribution	distribution	NOUN
cana-4736	48	15	,	,	PUNCT
cana-4736	48	16	and	and	CCONJ
cana-4736	48	17	household	household	NOUN
cana-4736	48	18	debt	debt	NOUN
cana-4736	48	19	.	.	PUNCT
cana-4736	49	1	correlation	correlation	NOUN
cana-4736	49	2	and	and	CCONJ
cana-4736	49	3	regression	regression	NOUN
cana-4736	49	4	analyses	analysis	NOUN
cana-4736	49	5	explored	explore	VERB
cana-4736	49	6	relationships	relationship	NOUN
cana-4736	49	7	between	between	ADP
cana-4736	49	8	key	key	ADJ
cana-4736	49	9	variables	variable	NOUN
cana-4736	49	10	such	such	ADJ
cana-4736	49	11	as	as	ADP
cana-4736	49	12	mortgage	mortgage	NOUN
cana-4736	49	13	interest	interest	NOUN
cana-4736	49	14	rates	rate	NOUN
cana-4736	49	15	,	,	PUNCT
cana-4736	49	16	household	household	NOUN
cana-4736	49	17	debt	debt	NOUN
cana-4736	49	18	,	,	PUNCT
cana-4736	49	19	and	and	CCONJ
cana-4736	49	20	housing	housing	NOUN
cana-4736	49	21	affordability	affordability	NOUN
cana-4736	49	22	.	.	PUNCT
cana-4736	50	1	case	case	NOUN
cana-4736	50	2	studies	study	NOUN
cana-4736	50	3	were	be	AUX
cana-4736	50	4	employed	employ	VERB
cana-4736	50	5	to	to	PART
cana-4736	50	6	assess	assess	VERB
cana-4736	50	7	the	the	DET
cana-4736	50	8	impact	impact	NOUN
cana-4736	50	9	of	of	ADP
cana-4736	50	10	housing	housing	NOUN
cana-4736	50	11	policies	policy	NOUN
cana-4736	50	12	on	on	ADP
cana-4736	50	13	specific	specific	ADJ
cana-4736	50	14	demographic	demographic	ADJ
cana-4736	50	15	groups	group	NOUN
cana-4736	50	16	,	,	PUNCT
cana-4736	50	17	including	include	VERB
cana-4736	50	18	young	young	ADJ
cana-4736	50	19	families	family	NOUN
cana-4736	50	20	and	and	CCONJ
cana-4736	50	21	low	low	ADJ
cana-4736	50	22	-	-	PUNCT
cana-4736	50	23	income	income	NOUN
cana-4736	50	24	households	household	NOUN
cana-4736	50	25	.	.	PUNCT
cana-4736	51	1	expert	expert	NOUN
cana-4736	51	2	interviews	interview	NOUN
cana-4736	51	3	and	and	CCONJ
cana-4736	51	4	policy	policy	NOUN
cana-4736	51	5	reviews	review	NOUN
cana-4736	51	6	provided	provide	VERB
cana-4736	51	7	additional	additional	ADJ
cana-4736	51	8	insights	insight	NOUN
cana-4736	51	9	into	into	ADP
cana-4736	51	10	the	the	DET
cana-4736	51	11	challenges	challenge	NOUN
cana-4736	51	12	and	and	CCONJ
cana-4736	51	13	opportunities	opportunity	NOUN
cana-4736	51	14	in	in	ADP
cana-4736	51	15	the	the	DET
cana-4736	51	16	slovak	slovak	ADJ
cana-4736	51	17	housing	housing	NOUN
cana-4736	51	18	market	market	NOUN
cana-4736	51	19	.	.	PUNCT
cana-4736	52	1	slovakia	slovakia	PROPN
cana-4736	52	2	’s	’s	PART
cana-4736	52	3	housing	housing	NOUN
cana-4736	52	4	market	market	NOUN
cana-4736	52	5	was	be	AUX
cana-4736	52	6	compared	compare	VERB
cana-4736	52	7	with	with	ADP
cana-4736	52	8	other	other	ADJ
cana-4736	52	9	european	european	PROPN
cana-4736	52	10	union	union	PROPN
cana-4736	52	11	countries	country	NOUN
cana-4736	52	12	to	to	PART
cana-4736	52	13	identify	identify	VERB
cana-4736	52	14	regional	regional	ADJ
cana-4736	52	15	disparities	disparity	NOUN
cana-4736	52	16	and	and	CCONJ
cana-4736	52	17	common	common	ADJ
cana-4736	52	18	challenges	challenge	NOUN
cana-4736	52	19	.	.	PUNCT
cana-4736	53	1	policy	policy	NOUN
cana-4736	53	2	evaluation	evaluation	NOUN
cana-4736	53	3	was	be	AUX
cana-4736	53	4	used	use	VERB
cana-4736	53	5	an	an	DET
cana-4736	53	6	assessment	assessment	NOUN
cana-4736	53	7	of	of	ADP
cana-4736	53	8	existing	exist	VERB
cana-4736	53	9	and	and	CCONJ
cana-4736	53	10	proposed	propose	VERB
cana-4736	53	11	housing	housing	NOUN
cana-4736	53	12	policies	policy	NOUN
cana-4736	53	13	was	be	AUX
cana-4736	53	14	conducted	conduct	VERB
cana-4736	53	15	to	to	PART
cana-4736	53	16	determine	determine	VERB
cana-4736	53	17	their	their	PRON
cana-4736	53	18	effectiveness	effectiveness	NOUN
cana-4736	53	19	in	in	ADP
cana-4736	53	20	addressing	address	VERB
cana-4736	53	21	affordability	affordability	NOUN
cana-4736	53	22	and	and	CCONJ
cana-4736	53	23	indebtedness	indebtedness	NOUN
cana-4736	53	24	issues	issue	NOUN
cana-4736	53	25	.	.	PUNCT
cana-4736	54	1	the	the	DET
cana-4736	54	2	research	research	NOUN
cana-4736	54	3	draws	draw	VERB
cana-4736	54	4	on	on	ADP
cana-4736	54	5	diverse	diverse	ADJ
cana-4736	54	6	materials	material	NOUN
cana-4736	54	7	and	and	CCONJ
cana-4736	54	8	data	datum	NOUN
cana-4736	54	9	sources	source	NOUN
cana-4736	54	10	to	to	PART
cana-4736	54	11	ensure	ensure	VERB
cana-4736	54	12	appropriate	appropriate	ADJ
cana-4736	54	13	analysis	analysis	NOUN
cana-4736	54	14	.	.	PUNCT
cana-4736	55	1	key	key	ADJ
cana-4736	55	2	materials	material	NOUN
cana-4736	55	3	include	include	VERB
cana-4736	55	4	:	:	PUNCT
cana-4736	55	5	statistical	statistical	ADJ
cana-4736	55	6	data	datum	NOUN
cana-4736	55	7	from	from	ADP
cana-4736	55	8	the	the	DET
cana-4736	55	9	national	national	PROPN
cana-4736	55	10	bank	bank	PROPN
cana-4736	55	11	of	of	ADP
cana-4736	55	12	slovakia	slovakia	PROPN
cana-4736	55	13	reports	report	VERB
cana-4736	55	14	on	on	ADP
cana-4736	55	15	household	household	NOUN
cana-4736	55	16	debt	debt	NOUN
cana-4736	55	17	and	and	CCONJ
cana-4736	55	18	real	real	ADJ
cana-4736	55	19	estate	estate	NOUN
cana-4736	55	20	prices	price	NOUN
cana-4736	55	21	;	;	PUNCT
cana-4736	55	22	eurostat	eurostat	PROPN
cana-4736	55	23	datasets	dataset	NOUN
cana-4736	55	24	on	on	ADP
cana-4736	55	25	housing	housing	NOUN
cana-4736	55	26	cost	cost	NOUN
cana-4736	55	27	overburden	overburden	VERB
cana-4736	55	28	,	,	PUNCT
cana-4736	55	29	income	income	NOUN
cana-4736	55	30	poverty	poverty	NOUN
cana-4736	55	31	,	,	PUNCT
cana-4736	55	32	and	and	CCONJ
cana-4736	55	33	overcrowding	overcrowding	NOUN
cana-4736	55	34	rates	rate	NOUN
cana-4736	55	35	;	;	PUNCT
cana-4736	55	36	oecd	oecd	PROPN
cana-4736	55	37	publications	publication	NOUN
cana-4736	55	38	on	on	ADP
cana-4736	55	39	housing	housing	NOUN
cana-4736	55	40	policies	policy	NOUN
cana-4736	55	41	and	and	CCONJ
cana-4736	55	42	financial	financial	ADJ
cana-4736	55	43	stability	stability	NOUN
cana-4736	55	44	.	.	PUNCT
cana-4736	56	1	academic	academic	ADJ
cana-4736	56	2	literature	literature	NOUN
cana-4736	56	3	:	:	PUNCT
cana-4736	56	4	peer	peer	NOUN
cana-4736	56	5	-	-	PUNCT
cana-4736	56	6	reviewed	review	VERB
cana-4736	56	7	articles	article	NOUN
cana-4736	56	8	on	on	ADP
cana-4736	56	9	mortgage	mortgage	NOUN
cana-4736	56	10	dynamics	dynamic	NOUN
cana-4736	56	11	,	,	PUNCT
cana-4736	56	12	real	real	ADJ
cana-4736	56	13	estate	estate	NOUN
cana-4736	56	14	markets	market	NOUN
cana-4736	56	15	,	,	PUNCT
cana-4736	56	16	and	and	CCONJ
cana-4736	56	17	housing	housing	NOUN
cana-4736	56	18	affordability	affordability	NOUN
cana-4736	56	19	;	;	PUNCT
cana-4736	56	20	studies	study	NOUN
cana-4736	56	21	analyzing	analyze	VERB
cana-4736	56	22	the	the	DET
cana-4736	56	23	socio	socio	NOUN
cana-4736	56	24	-	-	PUNCT
cana-4736	56	25	economic	economic	ADJ
cana-4736	56	26	impacts	impact	NOUN
cana-4736	56	27	of	of	ADP
cana-4736	56	28	rising	rise	VERB
cana-4736	56	29	housing	housing	NOUN
cana-4736	56	30	costs	cost	NOUN
cana-4736	56	31	communications	communication	NOUN
cana-4736	56	32	on	on	ADP
cana-4736	56	33	applied	apply	VERB
cana-4736	56	34	nonlinear	nonlinear	ADJ
cana-4736	56	35	analysis	analysis	NOUN
cana-4736	56	36	issn	issn	NOUN
cana-4736	56	37	:	:	PUNCT
cana-4736	56	38	1074	1074	NUM
cana-4736	56	39	-	-	PUNCT
cana-4736	56	40	133x	133x	NUM
cana-4736	56	41	vol	vol	VERB
cana-4736	56	42	32	32	NUM
cana-4736	56	43	no	no	NOUN
cana-4736	56	44	.	.	PUNCT
cana-4736	57	1	10s	10	NOUN
cana-4736	57	2	(	(	PUNCT
cana-4736	57	3	2025	2025	NUM
cana-4736	57	4	)	)	PUNCT
cana-4736	57	5	269	269	NUM
cana-4736	57	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	57	7	and	and	CCONJ
cana-4736	57	8	debt	debt	NOUN
cana-4736	57	9	levels	level	NOUN
cana-4736	57	10	.	.	PUNCT
cana-4736	58	1	policy	policy	NOUN
cana-4736	58	2	documents	document	NOUN
cana-4736	58	3	and	and	CCONJ
cana-4736	58	4	reports	report	NOUN
cana-4736	58	5	:	:	PUNCT
cana-4736	58	6	slovak	slovak	ADJ
cana-4736	58	7	government	government	NOUN
cana-4736	58	8	publications	publication	NOUN
cana-4736	58	9	on	on	ADP
cana-4736	58	10	housing	housing	NOUN
cana-4736	58	11	policy	policy	NOUN
cana-4736	58	12	reforms	reform	NOUN
cana-4736	58	13	and	and	CCONJ
cana-4736	58	14	consumer	consumer	NOUN
cana-4736	58	15	credit	credit	NOUN
cana-4736	58	16	regulations	regulation	NOUN
cana-4736	58	17	;	;	PUNCT
cana-4736	58	18	international	international	ADJ
cana-4736	58	19	reports	report	NOUN
cana-4736	58	20	,	,	PUNCT
cana-4736	58	21	including	include	VERB
cana-4736	58	22	those	those	PRON
cana-4736	58	23	from	from	ADP
cana-4736	58	24	the	the	DET
cana-4736	58	25	european	european	PROPN
cana-4736	58	26	central	central	PROPN
cana-4736	58	27	bank	bank	PROPN
cana-4736	58	28	and	and	CCONJ
cana-4736	58	29	imf	imf	PROPN
cana-4736	58	30	,	,	PUNCT
cana-4736	58	31	on	on	ADP
cana-4736	58	32	housing	housing	NOUN
cana-4736	58	33	market	market	NOUN
cana-4736	58	34	trends	trend	NOUN
cana-4736	58	35	and	and	CCONJ
cana-4736	58	36	risks	risk	NOUN
cana-4736	58	37	.	.	PUNCT
cana-4736	59	1	household	household	NOUN
cana-4736	59	2	debt	debt	NOUN
cana-4736	59	3	and	and	CCONJ
cana-4736	59	4	consumption	consumption	NOUN
cana-4736	59	5	behavior	behavior	NOUN
cana-4736	59	6	household	household	NOUN
cana-4736	59	7	debt	debt	NOUN
cana-4736	59	8	is	be	AUX
cana-4736	59	9	defined	define	VERB
cana-4736	59	10	by	by	ADP
cana-4736	59	11	the	the	DET
cana-4736	59	12	oecd	oecd	PROPN
cana-4736	59	13	as	as	ADP
cana-4736	59	14	all	all	DET
cana-4736	59	15	liabilities	liability	NOUN
cana-4736	59	16	of	of	ADP
cana-4736	59	17	households	household	NOUN
cana-4736	59	18	(	(	PUNCT
cana-4736	59	19	including	include	VERB
cana-4736	59	20	non	non	ADJ
cana-4736	59	21	-	-	ADJ
cana-4736	59	22	profit	profit	ADJ
cana-4736	59	23	institutions	institution	NOUN
cana-4736	59	24	serving	serve	VERB
cana-4736	59	25	households	household	NOUN
cana-4736	59	26	)	)	PUNCT
cana-4736	59	27	that	that	PRON
cana-4736	59	28	require	require	VERB
cana-4736	59	29	payments	payment	NOUN
cana-4736	59	30	of	of	ADP
cana-4736	59	31	interest	interest	NOUN
cana-4736	59	32	or	or	CCONJ
cana-4736	59	33	principal	principal	NOUN
cana-4736	59	34	from	from	ADP
cana-4736	59	35	households	household	NOUN
cana-4736	59	36	to	to	ADP
cana-4736	59	37	creditors	creditor	NOUN
cana-4736	59	38	on	on	ADP
cana-4736	59	39	fixed	fix	VERB
cana-4736	59	40	dates	date	NOUN
cana-4736	59	41	in	in	ADP
cana-4736	59	42	the	the	DET
cana-4736	59	43	future	future	NOUN
cana-4736	59	44	.	.	PUNCT
cana-4736	60	1	it	it	PRON
cana-4736	60	2	is	be	AUX
cana-4736	60	3	calculated	calculate	VERB
cana-4736	60	4	as	as	ADP
cana-4736	60	5	the	the	DET
cana-4736	60	6	sum	sum	NOUN
cana-4736	60	7	of	of	ADP
cana-4736	60	8	loans	loan	NOUN
cana-4736	60	9	(	(	PUNCT
cana-4736	60	10	primarily	primarily	ADV
cana-4736	60	11	mortgages	mortgage	NOUN
cana-4736	60	12	and	and	CCONJ
cana-4736	60	13	consumer	consumer	NOUN
cana-4736	60	14	loans	loan	NOUN
cana-4736	60	15	)	)	PUNCT
cana-4736	60	16	and	and	CCONJ
cana-4736	60	17	other	other	ADJ
cana-4736	60	18	liabilities	liability	NOUN
cana-4736	60	19	[	[	X
cana-4736	60	20	12	12	NUM
cana-4736	60	21	]	]	PUNCT
cana-4736	60	22	.	.	PUNCT
cana-4736	61	1	slovak	slovak	ADJ
cana-4736	61	2	household	household	NOUN
cana-4736	61	3	debt	debt	NOUN
cana-4736	61	4	to	to	ADP
cana-4736	61	5	gdp	gdp	NOUN
cana-4736	61	6	reached	reach	VERB
cana-4736	61	7	approximately	approximately	ADV
cana-4736	61	8	47	47	NUM
cana-4736	61	9	%	%	NOUN
cana-4736	61	10	in	in	ADP
cana-4736	61	11	2020	2020	NUM
cana-4736	61	12	,	,	PUNCT
cana-4736	61	13	which	which	PRON
cana-4736	61	14	represents	represent	VERB
cana-4736	61	15	a	a	DET
cana-4736	61	16	significant	significant	ADJ
cana-4736	61	17	increase	increase	NOUN
cana-4736	61	18	compared	compare	VERB
cana-4736	61	19	to	to	ADP
cana-4736	61	20	2010	2010	NUM
cana-4736	61	21	,	,	PUNCT
cana-4736	61	22	when	when	SCONJ
cana-4736	61	23	it	it	PRON
cana-4736	61	24	was	be	AUX
cana-4736	61	25	around	around	ADV
cana-4736	61	26	26	26	NUM
cana-4736	61	27	%	%	NOUN
cana-4736	61	28	[	[	X
cana-4736	61	29	13	13	NUM
cana-4736	61	30	]	]	PUNCT
cana-4736	61	31	.	.	PUNCT
cana-4736	62	1	this	this	DET
cana-4736	62	2	growth	growth	NOUN
cana-4736	62	3	is	be	AUX
cana-4736	62	4	the	the	DET
cana-4736	62	5	fastest	fast	ADJ
cana-4736	62	6	in	in	ADP
cana-4736	62	7	the	the	DET
cana-4736	62	8	entire	entire	ADJ
cana-4736	62	9	european	european	ADJ
cana-4736	62	10	union	union	NOUN
cana-4736	62	11	.	.	PUNCT
cana-4736	63	1	it	it	PRON
cana-4736	63	2	is	be	AUX
cana-4736	63	3	important	important	ADJ
cana-4736	63	4	to	to	PART
cana-4736	63	5	note	note	VERB
cana-4736	63	6	that	that	SCONJ
cana-4736	63	7	although	although	SCONJ
cana-4736	63	8	slovak	slovak	ADJ
cana-4736	63	9	household	household	NOUN
cana-4736	63	10	debt	debt	NOUN
cana-4736	63	11	is	be	AUX
cana-4736	63	12	growing	grow	VERB
cana-4736	63	13	at	at	ADP
cana-4736	63	14	a	a	DET
cana-4736	63	15	rapid	rapid	ADJ
cana-4736	63	16	pace	pace	NOUN
cana-4736	63	17	,	,	PUNCT
cana-4736	63	18	it	it	PRON
cana-4736	63	19	is	be	AUX
cana-4736	63	20	still	still	ADV
cana-4736	63	21	below	below	ADP
cana-4736	63	22	a	a	DET
cana-4736	63	23	level	level	NOUN
cana-4736	63	24	that	that	PRON
cana-4736	63	25	could	could	AUX
cana-4736	63	26	pose	pose	VERB
cana-4736	63	27	an	an	DET
cana-4736	63	28	immediate	immediate	ADJ
cana-4736	63	29	risk	risk	NOUN
cana-4736	63	30	to	to	ADP
cana-4736	63	31	financial	financial	ADJ
cana-4736	63	32	stability	stability	NOUN
cana-4736	63	33	.	.	PUNCT
cana-4736	64	1	the	the	DET
cana-4736	64	2	largest	large	ADJ
cana-4736	64	3	component	component	NOUN
cana-4736	64	4	of	of	ADP
cana-4736	64	5	household	household	NOUN
cana-4736	64	6	debt	debt	NOUN
cana-4736	64	7	is	be	AUX
cana-4736	64	8	loans	loan	NOUN
cana-4736	64	9	,	,	PUNCT
cana-4736	64	10	especially	especially	ADV
cana-4736	64	11	mortgages	mortgage	NOUN
cana-4736	64	12	(	(	PUNCT
cana-4736	64	13	fig	fig	NOUN
cana-4736	64	14	.	.	NOUN
cana-4736	64	15	1	1	NUM
cana-4736	64	16	)	)	PUNCT
cana-4736	64	17	,	,	PUNCT
cana-4736	64	18	and	and	CCONJ
cana-4736	64	19	consumer	consumer	NOUN
cana-4736	64	20	loans	loan	NOUN
cana-4736	64	21	,	,	PUNCT
cana-4736	64	22	which	which	PRON
cana-4736	64	23	are	be	AUX
cana-4736	64	24	used	use	VERB
cana-4736	64	25	to	to	PART
cana-4736	64	26	purchase	purchase	VERB
cana-4736	64	27	consumer	consumer	NOUN
cana-4736	64	28	goods	good	NOUN
cana-4736	64	29	such	such	ADJ
cana-4736	64	30	as	as	ADP
cana-4736	64	31	cars	car	NOUN
cana-4736	64	32	,	,	PUNCT
cana-4736	64	33	technology	technology	NOUN
cana-4736	64	34	,	,	PUNCT
cana-4736	64	35	and	and	CCONJ
cana-4736	64	36	home	home	NOUN
cana-4736	64	37	appliances	appliance	NOUN
cana-4736	64	38	.	.	PUNCT
cana-4736	65	1	credit	credit	NOUN
cana-4736	65	2	cards	card	NOUN
cana-4736	65	3	and	and	CCONJ
cana-4736	65	4	short	short	ADJ
cana-4736	65	5	-	-	PUNCT
cana-4736	65	6	term	term	NOUN
cana-4736	65	7	loans	loan	NOUN
cana-4736	65	8	make	make	VERB
cana-4736	65	9	up	up	ADP
cana-4736	65	10	a	a	DET
cana-4736	65	11	smaller	small	ADJ
cana-4736	65	12	portion	portion	NOUN
cana-4736	65	13	of	of	ADP
cana-4736	65	14	debt	debt	NOUN
cana-4736	65	15	,	,	PUNCT
cana-4736	65	16	but	but	CCONJ
cana-4736	65	17	their	their	PRON
cana-4736	65	18	high	high	ADJ
cana-4736	65	19	interest	interest	NOUN
cana-4736	65	20	rates	rate	NOUN
cana-4736	65	21	can	can	AUX
cana-4736	65	22	be	be	AUX
cana-4736	65	23	risky	risky	ADJ
cana-4736	65	24	.	.	PUNCT
cana-4736	66	1	in	in	ADP
cana-4736	66	2	terms	term	NOUN
cana-4736	66	3	of	of	ADP
cana-4736	66	4	demographic	demographic	ADJ
cana-4736	66	5	structure	structure	NOUN
cana-4736	66	6	,	,	PUNCT
cana-4736	66	7	the	the	DET
cana-4736	66	8	highest	high	ADJ
cana-4736	66	9	debt	debt	NOUN
cana-4736	66	10	burden	burden	NOUN
cana-4736	66	11	is	be	AUX
cana-4736	66	12	among	among	ADP
cana-4736	66	13	young	young	ADJ
cana-4736	66	14	families	family	NOUN
cana-4736	66	15	and	and	CCONJ
cana-4736	66	16	the	the	DET
cana-4736	66	17	middle	middle	NOUN
cana-4736	66	18	-	-	PUNCT
cana-4736	66	19	aged	aged	ADJ
cana-4736	66	20	.	.	PUNCT
cana-4736	67	1	debt	debt	NOUN
cana-4736	67	2	is	be	AUX
cana-4736	67	3	higher	high	ADJ
cana-4736	67	4	in	in	ADP
cana-4736	67	5	urban	urban	ADJ
cana-4736	67	6	areas	area	NOUN
cana-4736	67	7	due	due	ADJ
cana-4736	67	8	to	to	ADP
cana-4736	67	9	higher	high	ADJ
cana-4736	67	10	housing	housing	NOUN
cana-4736	67	11	costs	cost	NOUN
cana-4736	67	12	.	.	PUNCT
cana-4736	68	1	on	on	ADP
cana-4736	68	2	the	the	DET
cana-4736	68	3	other	other	ADJ
cana-4736	68	4	hand	hand	NOUN
cana-4736	68	5	,	,	PUNCT
cana-4736	68	6	household	household	NOUN
cana-4736	68	7	debt	debt	NOUN
cana-4736	68	8	is	be	AUX
cana-4736	68	9	a	a	DET
cana-4736	68	10	natural	natural	ADJ
cana-4736	68	11	and	and	CCONJ
cana-4736	68	12	common	common	ADJ
cana-4736	68	13	phenomenon	phenomenon	NOUN
cana-4736	68	14	in	in	ADP
cana-4736	68	15	developed	develop	VERB
cana-4736	68	16	countries	country	NOUN
cana-4736	68	17	with	with	ADP
cana-4736	68	18	modern	modern	ADJ
cana-4736	68	19	financial	financial	ADJ
cana-4736	68	20	systems	system	NOUN
cana-4736	68	21	.	.	PUNCT
cana-4736	69	1	figure	figure	NOUN
cana-4736	69	2	1	1	NUM
cana-4736	69	3	.	.	PUNCT
cana-4736	70	1	review	review	NOUN
cana-4736	70	2	of	of	ADP
cana-4736	70	3	housing	housing	NOUN
cana-4736	70	4	loans	loan	NOUN
cana-4736	70	5	in	in	ADP
cana-4736	70	6	slovakia	slovakia	PROPN
cana-4736	70	7	statistical	statistical	ADJ
cana-4736	70	8	active	active	ADJ
cana-4736	70	9	balance	balance	NOUN
cana-4736	70	10	;	;	PUNCT
cana-4736	70	11	data	datum	NOUN
cana-4736	70	12	include	include	VERB
cana-4736	70	13	only	only	ADJ
cana-4736	70	14	loans	loan	NOUN
cana-4736	70	15	provided	provide	VERB
cana-4736	70	16	to	to	ADP
cana-4736	70	17	householder	householder	ADJ
cana-4736	70	18	sector	sector	NOUN
cana-4736	70	19	(	(	PUNCT
cana-4736	70	20	in	in	ADP
cana-4736	70	21	eur	eur	NOUN
cana-4736	70	22	)	)	PUNCT
cana-4736	70	23	.	.	PUNCT
cana-4736	71	1	source	source	NOUN
cana-4736	71	2	:	:	PUNCT
cana-4736	71	3	own	own	ADJ
cana-4736	71	4	processing	processing	NOUN
cana-4736	71	5	based	base	VERB
cana-4736	71	6	on	on	ADP
cana-4736	71	7	[	[	X
cana-4736	71	8	14	14	NUM
cana-4736	71	9	]	]	PUNCT
cana-4736	71	10	.	.	PUNCT
cana-4736	72	1	communications	communication	NOUN
cana-4736	72	2	on	on	ADP
cana-4736	72	3	applied	apply	VERB
cana-4736	72	4	nonlinear	nonlinear	ADJ
cana-4736	72	5	analysis	analysis	NOUN
cana-4736	72	6	issn	issn	NOUN
cana-4736	72	7	:	:	PUNCT
cana-4736	72	8	1074	1074	NUM
cana-4736	72	9	-	-	PUNCT
cana-4736	72	10	133x	133x	NUM
cana-4736	72	11	vol	vol	VERB
cana-4736	72	12	32	32	NUM
cana-4736	72	13	no	no	NOUN
cana-4736	72	14	.	.	PUNCT
cana-4736	73	1	10s	10	NOUN
cana-4736	73	2	(	(	PUNCT
cana-4736	73	3	2025	2025	NUM
cana-4736	73	4	)	)	PUNCT
cana-4736	73	5	270	270	NUM
cana-4736	73	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	73	7	housing	housing	NOUN
cana-4736	73	8	costs	cost	NOUN
cana-4736	73	9	often	often	ADV
cana-4736	73	10	make	make	VERB
cana-4736	73	11	up	up	ADP
cana-4736	73	12	the	the	DET
cana-4736	73	13	largest	large	ADJ
cana-4736	73	14	component	component	NOUN
cana-4736	73	15	of	of	ADP
cana-4736	73	16	expenditure	expenditure	NOUN
cana-4736	73	17	for	for	ADP
cana-4736	73	18	many	many	ADJ
cana-4736	73	19	households	household	NOUN
cana-4736	73	20	.	.	PUNCT
cana-4736	74	1	the	the	DET
cana-4736	74	2	housing	housing	NOUN
cana-4736	74	3	cost	cost	NOUN
cana-4736	74	4	overburden	overburden	ADJ
cana-4736	74	5	rate	rate	NOUN
cana-4736	74	6	is	be	AUX
cana-4736	74	7	the	the	DET
cana-4736	74	8	percentage	percentage	NOUN
cana-4736	74	9	of	of	ADP
cana-4736	74	10	the	the	DET
cana-4736	74	11	population	population	NOUN
cana-4736	74	12	living	live	VERB
cana-4736	74	13	in	in	ADP
cana-4736	74	14	households	household	NOUN
cana-4736	74	15	where	where	SCONJ
cana-4736	74	16	the	the	DET
cana-4736	74	17	total	total	ADJ
cana-4736	74	18	housing	housing	NOUN
cana-4736	74	19	costs	cost	NOUN
cana-4736	74	20	(	(	PUNCT
cana-4736	74	21	'	'	PUNCT
cana-4736	74	22	net	net	NOUN
cana-4736	74	23	'	'	PUNCT
cana-4736	74	24	of	of	ADP
cana-4736	74	25	housing	housing	NOUN
cana-4736	74	26	allowances	allowance	NOUN
cana-4736	74	27	)	)	PUNCT
cana-4736	74	28	represent	represent	VERB
cana-4736	74	29	more	more	ADJ
cana-4736	74	30	than	than	ADP
cana-4736	74	31	40	40	NUM
cana-4736	74	32	%	%	NOUN
cana-4736	74	33	of	of	ADP
cana-4736	74	34	disposable	disposable	ADJ
cana-4736	74	35	income	income	NOUN
cana-4736	74	36	(	(	PUNCT
cana-4736	74	37	'	'	PUNCT
cana-4736	74	38	net	net	NOUN
cana-4736	74	39	'	'	PUNCT
cana-4736	74	40	of	of	ADP
cana-4736	74	41	housing	housing	NOUN
cana-4736	74	42	allowances	allowance	NOUN
cana-4736	74	43	)	)	PUNCT
cana-4736	74	44	.	.	PUNCT
cana-4736	75	1	housing	housing	NOUN
cana-4736	75	2	costs	cost	NOUN
cana-4736	75	3	refer	refer	VERB
cana-4736	75	4	to	to	ADP
cana-4736	75	5	the	the	DET
cana-4736	75	6	monthly	monthly	ADJ
cana-4736	75	7	expenditures	expenditure	NOUN
cana-4736	75	8	connected	connect	VERB
cana-4736	75	9	with	with	ADP
cana-4736	75	10	a	a	DET
cana-4736	75	11	household	household	NOUN
cana-4736	75	12	's	's	PART
cana-4736	75	13	occupancy	occupancy	NOUN
cana-4736	75	14	of	of	ADP
cana-4736	75	15	their	their	PRON
cana-4736	75	16	accommodation	accommodation	NOUN
cana-4736	75	17	(	(	PUNCT
cana-4736	75	18	costs	cost	NOUN
cana-4736	75	19	include	include	VERB
cana-4736	75	20	utilities	utility	NOUN
cana-4736	75	21	(	(	PUNCT
cana-4736	75	22	water	water	NOUN
cana-4736	75	23	,	,	PUNCT
cana-4736	75	24	electricity	electricity	NOUN
cana-4736	75	25	,	,	PUNCT
cana-4736	75	26	gas	gas	NOUN
cana-4736	75	27	,	,	PUNCT
cana-4736	75	28	heating	heating	NOUN
cana-4736	75	29	)	)	PUNCT
cana-4736	75	30	based	base	VERB
cana-4736	75	31	on	on	ADP
cana-4736	75	32	actual	actual	ADJ
cana-4736	75	33	usage	usage	NOUN
cana-4736	75	34	)	)	PUNCT
cana-4736	75	35	.	.	PUNCT
cana-4736	76	1	only	only	ADV
cana-4736	76	2	costs	cost	NOUN
cana-4736	76	3	that	that	PRON
cana-4736	76	4	are	be	AUX
cana-4736	76	5	actually	actually	ADV
cana-4736	76	6	paid	pay	VERB
cana-4736	76	7	are	be	AUX
cana-4736	76	8	considered	consider	VERB
cana-4736	76	9	,	,	PUNCT
cana-4736	76	10	regardless	regardless	ADV
cana-4736	76	11	of	of	ADP
cana-4736	76	12	the	the	DET
cana-4736	76	13	payer	payer	NOUN
cana-4736	76	14	.	.	PUNCT
cana-4736	77	1	for	for	ADP
cana-4736	77	2	owners	owner	NOUN
cana-4736	77	3	,	,	PUNCT
cana-4736	77	4	housing	housing	NOUN
cana-4736	77	5	costs	cost	NOUN
cana-4736	77	6	encompass	encompass	VERB
cana-4736	77	7	mortgage	mortgage	NOUN
cana-4736	77	8	interest	interest	NOUN
cana-4736	77	9	payments	payment	NOUN
cana-4736	77	10	(	(	PUNCT
cana-4736	77	11	net	net	NOUN
cana-4736	77	12	of	of	ADP
cana-4736	77	13	tax	tax	NOUN
cana-4736	77	14	relief	relief	NOUN
cana-4736	77	15	)	)	PUNCT
cana-4736	77	16	,	,	PUNCT
cana-4736	77	17	structural	structural	ADJ
cana-4736	77	18	insurance	insurance	NOUN
cana-4736	77	19	,	,	PUNCT
cana-4736	77	20	mandatory	mandatory	ADJ
cana-4736	77	21	services	service	NOUN
cana-4736	77	22	and	and	CCONJ
cana-4736	77	23	charges	charge	NOUN
cana-4736	77	24	(	(	PUNCT
cana-4736	77	25	like	like	ADP
cana-4736	77	26	sewage	sewage	NOUN
cana-4736	77	27	and	and	CCONJ
cana-4736	77	28	refuse	refuse	VERB
cana-4736	77	29	removal	removal	NOUN
cana-4736	77	30	)	)	PUNCT
cana-4736	77	31	,	,	PUNCT
cana-4736	77	32	regular	regular	ADJ
cana-4736	77	33	maintenance	maintenance	NOUN
cana-4736	77	34	and	and	CCONJ
cana-4736	77	35	repairs	repair	NOUN
cana-4736	77	36	,	,	PUNCT
cana-4736	77	37	taxes	taxis	NOUN
cana-4736	77	38	,	,	PUNCT
cana-4736	77	39	and	and	CCONJ
cana-4736	77	40	utilities	utility	NOUN
cana-4736	77	41	.	.	PUNCT
cana-4736	78	1	tenants	tenant	NOUN
cana-4736	78	2	(	(	PUNCT
cana-4736	78	3	both	both	CCONJ
cana-4736	78	4	at	at	ADP
cana-4736	78	5	market	market	NOUN
cana-4736	78	6	and	and	CCONJ
cana-4736	78	7	reduced	reduced	ADJ
cana-4736	78	8	prices	price	NOUN
cana-4736	78	9	)	)	PUNCT
cana-4736	78	10	have	have	VERB
cana-4736	78	11	similar	similar	ADJ
cana-4736	78	12	housing	housing	NOUN
cana-4736	78	13	costs	cost	NOUN
cana-4736	78	14	,	,	PUNCT
cana-4736	78	15	including	include	VERB
cana-4736	78	16	rental	rental	ADJ
cana-4736	78	17	payments	payment	NOUN
cana-4736	78	18	,	,	PUNCT
cana-4736	78	19	structural	structural	ADJ
cana-4736	78	20	insurance	insurance	NOUN
cana-4736	78	21	(	(	PUNCT
cana-4736	78	22	if	if	SCONJ
cana-4736	78	23	paid	pay	VERB
cana-4736	78	24	by	by	ADP
cana-4736	78	25	tenants	tenant	NOUN
cana-4736	78	26	)	)	PUNCT
cana-4736	78	27	,	,	PUNCT
cana-4736	78	28	services	service	NOUN
cana-4736	78	29	and	and	CCONJ
cana-4736	78	30	charges	charge	NOUN
cana-4736	78	31	(	(	PUNCT
cana-4736	78	32	if	if	SCONJ
cana-4736	78	33	paid	pay	VERB
cana-4736	78	34	by	by	ADP
cana-4736	78	35	tenants	tenant	NOUN
cana-4736	78	36	)	)	PUNCT
cana-4736	78	37	,	,	PUNCT
cana-4736	78	38	taxes	taxis	NOUN
cana-4736	78	39	on	on	ADP
cana-4736	78	40	dwelling	dwell	VERB
cana-4736	78	41	(	(	PUNCT
cana-4736	78	42	if	if	SCONJ
cana-4736	78	43	applicable	applicable	ADJ
cana-4736	78	44	)	)	PUNCT
cana-4736	78	45	,	,	PUNCT
cana-4736	78	46	regular	regular	ADJ
cana-4736	78	47	maintenance	maintenance	NOUN
cana-4736	78	48	and	and	CCONJ
cana-4736	78	49	repairs	repair	NOUN
cana-4736	78	50	,	,	PUNCT
cana-4736	78	51	and	and	CCONJ
cana-4736	78	52	utilities	utility	NOUN
cana-4736	78	53	.	.	PUNCT
cana-4736	79	1	rent	rent	NOUN
cana-4736	79	2	-	-	PUNCT
cana-4736	79	3	free	free	ADJ
cana-4736	79	4	tenants	tenant	NOUN
cana-4736	79	5	incur	incur	VERB
cana-4736	79	6	housing	housing	NOUN
cana-4736	79	7	costs	cost	NOUN
cana-4736	79	8	potentially	potentially	ADV
cana-4736	79	9	covering	cover	VERB
cana-4736	79	10	structural	structural	ADJ
cana-4736	79	11	insurance	insurance	NOUN
cana-4736	79	12	,	,	PUNCT
cana-4736	79	13	services	service	NOUN
cana-4736	79	14	and	and	CCONJ
cana-4736	79	15	charges	charge	NOUN
cana-4736	79	16	,	,	PUNCT
cana-4736	79	17	dwelling	dwell	VERB
cana-4736	79	18	taxes	taxis	NOUN
cana-4736	79	19	(	(	PUNCT
cana-4736	79	20	if	if	SCONJ
cana-4736	79	21	applicable	applicable	ADJ
cana-4736	79	22	)	)	PUNCT
cana-4736	79	23	,	,	PUNCT
cana-4736	79	24	regular	regular	ADJ
cana-4736	79	25	maintenance	maintenance	NOUN
cana-4736	79	26	and	and	CCONJ
cana-4736	79	27	repairs	repair	NOUN
cana-4736	79	28	,	,	PUNCT
cana-4736	79	29	and	and	CCONJ
cana-4736	79	30	utilities	utility	NOUN
cana-4736	79	31	.	.	PUNCT
cana-4736	80	1	in	in	ADP
cana-4736	80	2	all	all	DET
cana-4736	80	3	cases	case	NOUN
cana-4736	80	4	,	,	PUNCT
cana-4736	80	5	housing	housing	NOUN
cana-4736	80	6	benefits	benefit	NOUN
cana-4736	80	7	are	be	AUX
cana-4736	80	8	not	not	PART
cana-4736	80	9	deducted	deduct	VERB
cana-4736	80	10	from	from	ADP
cana-4736	80	11	the	the	DET
cana-4736	80	12	total	total	ADJ
cana-4736	80	13	housing	housing	NOUN
cana-4736	80	14	cost	cost	NOUN
cana-4736	80	15	fig	fig	NOUN
cana-4736	80	16	.	.	PUNCT
cana-4736	81	1	2	2	X
cana-4736	81	2	.	.	X
cana-4736	81	3	increases	increase	NOUN
cana-4736	81	4	in	in	ADP
cana-4736	81	5	housing	housing	NOUN
cana-4736	81	6	costs	cost	NOUN
cana-4736	81	7	can	can	AUX
cana-4736	81	8	potentially	potentially	ADV
cana-4736	81	9	lead	lead	VERB
cana-4736	81	10	to	to	ADP
cana-4736	81	11	other	other	ADJ
cana-4736	81	12	expenditure	expenditure	NOUN
cana-4736	81	13	being	be	AUX
cana-4736	81	14	deferred	defer	VERB
cana-4736	81	15	or	or	CCONJ
cana-4736	81	16	canceled	cancel	VERB
cana-4736	81	17	[	[	PUNCT
cana-4736	81	18	15	15	NUM
cana-4736	81	19	]	]	PUNCT
cana-4736	81	20	.	.	PUNCT
cana-4736	82	1	figure	figure	NOUN
cana-4736	82	2	2	2	NUM
cana-4736	82	3	.	.	PUNCT
cana-4736	83	1	persons	person	NOUN
cana-4736	83	2	having	have	VERB
cana-4736	83	3	housing	housing	NOUN
cana-4736	83	4	cost	cost	NOUN
cana-4736	83	5	overburden	overburden	VERB
cana-4736	83	6	.	.	PUNCT
cana-4736	84	1	source	source	NOUN
cana-4736	84	2	:	:	PUNCT
cana-4736	85	1	[	[	X
cana-4736	85	2	15	15	NUM
cana-4736	85	3	]	]	PUNCT
cana-4736	85	4	.	.	PUNCT
cana-4736	86	1	income	income	NOUN
cana-4736	86	2	poverty	poverty	NOUN
cana-4736	86	3	in	in	ADP
cana-4736	86	4	slovakia	slovakia	PROPN
cana-4736	86	5	,	,	PUNCT
cana-4736	86	6	a	a	DET
cana-4736	86	7	total	total	NOUN
cana-4736	86	8	of	of	ADP
cana-4736	86	9	12.3	12.3	NUM
cana-4736	86	10	%	%	NOUN
cana-4736	86	11	of	of	ADP
cana-4736	86	12	the	the	DET
cana-4736	86	13	population	population	NOUN
cana-4736	86	14	was	be	AUX
cana-4736	86	15	at	at	ADP
cana-4736	86	16	risk	risk	NOUN
cana-4736	86	17	of	of	ADP
cana-4736	86	18	income	income	NOUN
cana-4736	86	19	poverty	poverty	NOUN
cana-4736	86	20	in	in	ADP
cana-4736	86	21	2021	2021	NUM
cana-4736	86	22	.	.	PUNCT
cana-4736	87	1	this	this	PRON
cana-4736	87	2	means	mean	VERB
cana-4736	87	3	that	that	SCONJ
cana-4736	87	4	their	their	PRON
cana-4736	87	5	income	income	NOUN
cana-4736	87	6	was	be	AUX
cana-4736	87	7	lower	low	ADJ
cana-4736	87	8	than	than	ADP
cana-4736	87	9	the	the	DET
cana-4736	87	10	calculated	calculated	ADJ
cana-4736	87	11	national	national	ADJ
cana-4736	87	12	poverty	poverty	NOUN
cana-4736	87	13	line	line	NOUN
cana-4736	87	14	.	.	PUNCT
cana-4736	88	1	660	660	NUM
cana-4736	88	2	thousand	thousand	NUM
cana-4736	88	3	people	people	NOUN
cana-4736	88	4	had	have	VERB
cana-4736	88	5	to	to	PART
cana-4736	88	6	make	make	VERB
cana-4736	88	7	do	do	AUX
cana-4736	88	8	with	with	ADP
cana-4736	88	9	an	an	DET
cana-4736	88	10	income	income	NOUN
cana-4736	88	11	lower	low	ADJ
cana-4736	88	12	than	than	ADP
cana-4736	88	13	the	the	DET
cana-4736	88	14	income	income	NOUN
cana-4736	88	15	poverty	poverty	NOUN
cana-4736	88	16	line	line	NOUN
cana-4736	88	17	,	,	PUNCT
cana-4736	88	18	which	which	PRON
cana-4736	88	19	was	be	AUX
cana-4736	88	20	45	45	NUM
cana-4736	88	21	thousand	thousand	NUM
cana-4736	88	22	more	more	ADJ
cana-4736	88	23	than	than	ADP
cana-4736	88	24	in	in	ADP
cana-4736	88	25	the	the	DET
cana-4736	88	26	previous	previous	ADJ
cana-4736	88	27	year	year	NOUN
cana-4736	88	28	.	.	PUNCT
cana-4736	89	1	the	the	DET
cana-4736	89	2	eu	eu	PROPN
cana-4736	89	3	silc	silc	PROPN
cana-4736	89	4	2021	2021	NUM
cana-4736	89	5	data	datum	NOUN
cana-4736	89	6	takes	take	VERB
cana-4736	89	7	into	into	ADP
cana-4736	89	8	account	account	NOUN
cana-4736	89	9	income	income	NOUN
cana-4736	89	10	communications	communication	NOUN
cana-4736	89	11	on	on	ADP
cana-4736	89	12	applied	apply	VERB
cana-4736	89	13	nonlinear	nonlinear	ADJ
cana-4736	89	14	analysis	analysis	NOUN
cana-4736	89	15	issn	issn	NOUN
cana-4736	89	16	:	:	PUNCT
cana-4736	89	17	1074	1074	NUM
cana-4736	89	18	-	-	PUNCT
cana-4736	89	19	133x	133x	NUM
cana-4736	89	20	vol	vol	VERB
cana-4736	89	21	32	32	NUM
cana-4736	89	22	no	no	NOUN
cana-4736	89	23	.	.	PUNCT
cana-4736	90	1	10s	10	NOUN
cana-4736	90	2	(	(	PUNCT
cana-4736	90	3	2025	2025	NUM
cana-4736	90	4	)	)	PUNCT
cana-4736	90	5	271	271	NUM
cana-4736	90	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	90	7	for	for	ADP
cana-4736	90	8	the	the	DET
cana-4736	90	9	entire	entire	ADJ
cana-4736	90	10	year	year	NOUN
cana-4736	90	11	2020	2020	NUM
cana-4736	90	12	,	,	PUNCT
cana-4736	90	13	thus	thus	ADV
cana-4736	90	14	reflecting	reflect	VERB
cana-4736	90	15	the	the	DET
cana-4736	90	16	impacts	impact	NOUN
cana-4736	90	17	of	of	ADP
cana-4736	90	18	the	the	DET
cana-4736	90	19	first	first	ADJ
cana-4736	90	20	year	year	NOUN
cana-4736	90	21	of	of	ADP
cana-4736	90	22	the	the	DET
cana-4736	90	23	pandemic	pandemic	ADJ
cana-4736	90	24	on	on	ADP
cana-4736	90	25	income	income	NOUN
cana-4736	90	26	poverty	poverty	NOUN
cana-4736	90	27	.	.	PUNCT
cana-4736	91	1	after	after	ADP
cana-4736	91	2	five	five	NUM
cana-4736	91	3	years	year	NOUN
cana-4736	91	4	of	of	ADP
cana-4736	91	5	improving	improve	VERB
cana-4736	91	6	the	the	DET
cana-4736	91	7	situation	situation	NOUN
cana-4736	91	8	,	,	PUNCT
cana-4736	91	9	the	the	DET
cana-4736	91	10	at	at	ADP
cana-4736	91	11	-	-	PUNCT
cana-4736	91	12	risk	risk	NOUN
cana-4736	91	13	-	-	PUNCT
cana-4736	91	14	of	of	ADP
cana-4736	91	15	-	-	PUNCT
cana-4736	91	16	poverty	poverty	NOUN
cana-4736	91	17	rate	rate	NOUN
cana-4736	91	18	increased	increase	VERB
cana-4736	91	19	by	by	ADP
cana-4736	91	20	0.9	0.9	NUM
cana-4736	91	21	percentage	percentage	NOUN
cana-4736	91	22	points	point	NOUN
cana-4736	91	23	and	and	CCONJ
cana-4736	91	24	reached	reach	VERB
cana-4736	91	25	the	the	DET
cana-4736	91	26	level	level	NOUN
cana-4736	91	27	of	of	ADP
cana-4736	91	28	2018	2018	NUM
cana-4736	91	29	.	.	PUNCT
cana-4736	92	1	interestingly	interestingly	ADV
cana-4736	92	2	,	,	PUNCT
cana-4736	92	3	the	the	DET
cana-4736	92	4	amount	amount	NOUN
cana-4736	92	5	determining	determine	VERB
cana-4736	92	6	the	the	DET
cana-4736	92	7	poverty	poverty	NOUN
cana-4736	92	8	line	line	NOUN
cana-4736	92	9	decreased	decrease	VERB
cana-4736	92	10	year	year	NOUN
cana-4736	92	11	-	-	PUNCT
cana-4736	92	12	on	on	ADP
cana-4736	92	13	-	-	PUNCT
cana-4736	92	14	year	year	NOUN
cana-4736	92	15	,	,	PUNCT
cana-4736	92	16	which	which	PRON
cana-4736	92	17	confirms	confirm	VERB
cana-4736	92	18	that	that	SCONJ
cana-4736	92	19	the	the	DET
cana-4736	92	20	total	total	ADJ
cana-4736	92	21	income	income	NOUN
cana-4736	92	22	of	of	ADP
cana-4736	92	23	the	the	DET
cana-4736	92	24	population	population	NOUN
cana-4736	92	25	decreased	decrease	VERB
cana-4736	92	26	for	for	ADP
cana-4736	92	27	the	the	DET
cana-4736	92	28	entire	entire	ADJ
cana-4736	92	29	year	year	NOUN
cana-4736	92	30	2020	2020	NUM
cana-4736	92	31	.	.	PUNCT
cana-4736	93	1	in	in	ADP
cana-4736	93	2	a	a	DET
cana-4736	93	3	household	household	NOUN
cana-4736	93	4	of	of	ADP
cana-4736	93	5	1	1	NUM
cana-4736	93	6	adult	adult	NOUN
cana-4736	93	7	person	person	NOUN
cana-4736	93	8	,	,	PUNCT
cana-4736	93	9	it	it	PRON
cana-4736	93	10	was	be	AUX
cana-4736	93	11	approximately	approximately	ADV
cana-4736	93	12	11	11	NUM
cana-4736	93	13	euros	euro	NOUN
cana-4736	93	14	to	to	ADP
cana-4736	93	15	424	424	NUM
cana-4736	93	16	euros	euro	NOUN
cana-4736	93	17	per	per	ADP
cana-4736	93	18	month	month	NOUN
cana-4736	93	19	(	(	PUNCT
cana-4736	93	20	5,084	5,084	NUM
cana-4736	93	21	euros	euro	NOUN
cana-4736	93	22	/	/	SYM
cana-4736	93	23	year	year	NOUN
cana-4736	93	24	)	)	PUNCT
cana-4736	93	25	.	.	PUNCT
cana-4736	94	1	for	for	ADP
cana-4736	94	2	a	a	DET
cana-4736	94	3	complete	complete	ADJ
cana-4736	94	4	family	family	NOUN
cana-4736	94	5	with	with	ADP
cana-4736	94	6	two	two	NUM
cana-4736	94	7	children	child	NOUN
cana-4736	94	8	(	(	PUNCT
cana-4736	94	9	2	2	NUM
cana-4736	94	10	adults	adult	NOUN
cana-4736	94	11	+	+	CCONJ
cana-4736	94	12	2	2	NUM
cana-4736	94	13	children	child	NOUN
cana-4736	94	14	under	under	ADP
cana-4736	94	15	14	14	NUM
cana-4736	94	16	years	year	NOUN
cana-4736	94	17	of	of	ADP
cana-4736	94	18	age	age	NOUN
cana-4736	94	19	)	)	PUNCT
cana-4736	94	20	,	,	PUNCT
cana-4736	94	21	the	the	DET
cana-4736	94	22	threshold	threshold	NOUN
cana-4736	94	23	was	be	AUX
cana-4736	94	24	at	at	ADP
cana-4736	94	25	the	the	DET
cana-4736	94	26	level	level	NOUN
cana-4736	94	27	of	of	ADP
cana-4736	94	28	890	890	NUM
cana-4736	94	29	euros	euro	NOUN
cana-4736	94	30	per	per	ADP
cana-4736	94	31	month	month	NOUN
cana-4736	94	32	(	(	PUNCT
cana-4736	94	33	24	24	NUM
cana-4736	94	34	euros	euro	NOUN
cana-4736	94	35	less	less	ADJ
cana-4736	94	36	)	)	PUNCT
cana-4736	94	37	.	.	PUNCT
cana-4736	95	1	the	the	DET
cana-4736	95	2	poverty	poverty	NOUN
cana-4736	95	3	risk	risk	NOUN
cana-4736	95	4	threshold	threshold	NOUN
cana-4736	95	5	changes	change	NOUN
cana-4736	95	6	every	every	DET
cana-4736	95	7	year	year	NOUN
cana-4736	95	8	and	and	CCONJ
cana-4736	95	9	is	be	AUX
cana-4736	95	10	derived	derive	VERB
cana-4736	95	11	from	from	ADP
cana-4736	95	12	the	the	DET
cana-4736	95	13	total	total	ADJ
cana-4736	95	14	income	income	NOUN
cana-4736	95	15	of	of	ADP
cana-4736	95	16	the	the	DET
cana-4736	95	17	population	population	NOUN
cana-4736	95	18	.	.	PUNCT
cana-4736	96	1	it	it	PRON
cana-4736	96	2	has	have	VERB
cana-4736	96	3	different	different	ADJ
cana-4736	96	4	values	value	NOUN
cana-4736	96	5	according	accord	VERB
cana-4736	96	6	to	to	ADP
cana-4736	96	7	the	the	DET
cana-4736	96	8	number	number	NOUN
cana-4736	96	9	and	and	CCONJ
cana-4736	96	10	age	age	NOUN
cana-4736	96	11	of	of	ADP
cana-4736	96	12	persons	person	NOUN
cana-4736	96	13	living	live	VERB
cana-4736	96	14	in	in	ADP
cana-4736	96	15	the	the	DET
cana-4736	96	16	household	household	NOUN
cana-4736	96	17	(	(	PUNCT
cana-4736	96	18	more	more	ADJ
cana-4736	96	19	details	detail	NOUN
cana-4736	96	20	in	in	ADP
cana-4736	96	21	the	the	DET
cana-4736	96	22	table	table	NOUN
cana-4736	96	23	appendix	appendix	NOUN
cana-4736	96	24	)	)	PUNCT
cana-4736	96	25	.	.	PUNCT
cana-4736	97	1	income	income	NOUN
cana-4736	97	2	poverty	poverty	NOUN
cana-4736	97	3	is	be	AUX
cana-4736	97	4	the	the	DET
cana-4736	97	5	most	most	ADV
cana-4736	97	6	common	common	ADJ
cana-4736	97	7	of	of	ADP
cana-4736	97	8	the	the	DET
cana-4736	97	9	three	three	NUM
cana-4736	97	10	surveyed	survey	VERB
cana-4736	97	11	dimensions	dimension	NOUN
cana-4736	97	12	/	/	SYM
cana-4736	97	13	components	component	NOUN
cana-4736	97	14	of	of	ADP
cana-4736	97	15	poverty	poverty	NOUN
cana-4736	97	16	and	and	CCONJ
cana-4736	97	17	social	social	ADJ
cana-4736	97	18	exclusion	exclusion	NOUN
cana-4736	97	19	in	in	ADP
cana-4736	97	20	slovakia	slovakia	PROPN
cana-4736	97	21	.	.	PUNCT
cana-4736	98	1	the	the	DET
cana-4736	98	2	risk	risk	NOUN
cana-4736	98	3	of	of	ADP
cana-4736	98	4	income	income	NOUN
cana-4736	98	5	poverty	poverty	NOUN
cana-4736	98	6	rate	rate	NOUN
cana-4736	98	7	,	,	PUNCT
cana-4736	98	8	material	material	NOUN
cana-4736	98	9	deficiencies	deficiency	NOUN
cana-4736	98	10	of	of	ADP
cana-4736	98	11	the	the	DET
cana-4736	98	12	population	population	NOUN
cana-4736	98	13	(	(	PUNCT
cana-4736	98	14	so	so	ADV
cana-4736	98	15	-	-	PUNCT
cana-4736	98	16	called	call	VERB
cana-4736	98	17	severe	severe	ADJ
cana-4736	98	18	material	material	NOUN
cana-4736	98	19	and	and	CCONJ
cana-4736	98	20	social	social	ADJ
cana-4736	98	21	deprivation	deprivation	NOUN
cana-4736	98	22	rate	rate	NOUN
cana-4736	98	23	)	)	PUNCT
cana-4736	98	24	and	and	CCONJ
cana-4736	98	25	the	the	DET
cana-4736	98	26	third	third	ADJ
cana-4736	98	27	dimension	dimension	NOUN
cana-4736	98	28	of	of	ADP
cana-4736	98	29	poverty	poverty	NOUN
cana-4736	98	30	low	low	ADJ
cana-4736	98	31	work	work	NOUN
cana-4736	98	32	intensity	intensity	NOUN
cana-4736	98	33	of	of	ADP
cana-4736	98	34	household	household	NOUN
cana-4736	98	35	members	member	NOUN
cana-4736	98	36	,	,	PUNCT
cana-4736	98	37	as	as	ADV
cana-4736	98	38	well	well	ADV
cana-4736	98	39	as	as	ADP
cana-4736	98	40	a	a	DET
cana-4736	98	41	cross	cross	ADJ
cana-4736	98	42	-	-	ADJ
cana-4736	98	43	sectional	sectional	ADJ
cana-4736	98	44	main	main	ADJ
cana-4736	98	45	indicator	indicator	NOUN
cana-4736	98	46	(	(	PUNCT
cana-4736	98	47	so	so	ADV
cana-4736	98	48	-	-	PUNCT
cana-4736	98	49	called	call	VERB
cana-4736	98	50	risk	risk	NOUN
cana-4736	98	51	of	of	ADP
cana-4736	98	52	poverty	poverty	NOUN
cana-4736	98	53	or	or	CCONJ
cana-4736	98	54	social	social	ADJ
cana-4736	98	55	exclusion	exclusion	NOUN
cana-4736	98	56	rate	rate	NOUN
cana-4736	98	57	)	)	PUNCT
cana-4736	98	58	.	.	PUNCT
cana-4736	99	1	housing	housing	NOUN
cana-4736	99	2	quality	quality	PROPN
cana-4736	99	3	housing	housing	NOUN
cana-4736	99	4	quality	quality	NOUN
cana-4736	99	5	is	be	AUX
cana-4736	99	6	characteristic	characteristic	ADJ
cana-4736	99	7	as	as	ADP
cana-4736	99	8	the	the	DET
cana-4736	99	9	overcrowding	overcrowding	NOUN
cana-4736	99	10	rate	rate	NOUN
cana-4736	99	11	(	(	PUNCT
cana-4736	99	12	fig	fig	NOUN
cana-4736	99	13	.	.	PUNCT
cana-4736	100	1	3	3	NUM
cana-4736	100	2	)	)	PUNCT
cana-4736	100	3	,	,	PUNCT
cana-4736	100	4	which	which	PRON
cana-4736	100	5	is	be	AUX
cana-4736	100	6	determined	determine	VERB
cana-4736	100	7	by	by	ADP
cana-4736	100	8	the	the	DET
cana-4736	100	9	percentage	percentage	NOUN
cana-4736	100	10	of	of	ADP
cana-4736	100	11	the	the	DET
cana-4736	100	12	population	population	NOUN
cana-4736	100	13	residing	reside	VERB
cana-4736	100	14	in	in	ADP
cana-4736	100	15	a	a	DET
cana-4736	100	16	dwelling	dwelling	NOUN
cana-4736	100	17	with	with	ADP
cana-4736	100	18	an	an	DET
cana-4736	100	19	insufficient	insufficient	ADJ
cana-4736	100	20	number	number	NOUN
cana-4736	100	21	of	of	ADP
cana-4736	100	22	rooms	room	NOUN
cana-4736	100	23	,	,	PUNCT
cana-4736	100	24	based	base	VERB
cana-4736	100	25	on	on	ADP
cana-4736	100	26	household	household	NOUN
cana-4736	100	27	size	size	NOUN
cana-4736	100	28	,	,	PUNCT
cana-4736	100	29	family	family	NOUN
cana-4736	100	30	composition	composition	NOUN
cana-4736	100	31	,	,	PUNCT
cana-4736	100	32	and	and	CCONJ
cana-4736	100	33	the	the	DET
cana-4736	100	34	ages	age	NOUN
cana-4736	100	35	of	of	ADP
cana-4736	100	36	its	its	PRON
cana-4736	100	37	occupants	occupant	NOUN
cana-4736	100	38	.	.	PUNCT
cana-4736	101	1	in	in	ADP
cana-4736	101	2	2022	2022	NUM
cana-4736	101	3	,	,	PUNCT
cana-4736	101	4	16.8	16.8	NUM
cana-4736	101	5	%	%	NOUN
cana-4736	101	6	of	of	ADP
cana-4736	101	7	the	the	DET
cana-4736	101	8	eu	eu	PROPN
cana-4736	101	9	population	population	NOUN
cana-4736	101	10	lived	live	VERB
cana-4736	101	11	in	in	ADP
cana-4736	101	12	an	an	DET
cana-4736	101	13	overcrowded	overcrowded	ADJ
cana-4736	101	14	household	household	NOUN
cana-4736	101	15	.	.	PUNCT
cana-4736	102	1	map	map	NOUN
cana-4736	102	2	shows	show	VERB
cana-4736	102	3	that	that	SCONJ
cana-4736	102	4	an	an	DET
cana-4736	102	5	overcrowding	overcrowding	NOUN
cana-4736	102	6	rate	rate	NOUN
cana-4736	102	7	higher	high	ADJ
cana-4736	102	8	than	than	ADP
cana-4736	102	9	40	40	NUM
cana-4736	102	10	%	%	NOUN
cana-4736	102	11	was	be	AUX
cana-4736	102	12	recorded	record	VERB
cana-4736	102	13	in	in	ADP
cana-4736	102	14	romania	romania	PROPN
cana-4736	102	15	(	(	PUNCT
cana-4736	102	16	40.5	40.5	NUM
cana-4736	102	17	%	%	NOUN
cana-4736	102	18	)	)	PUNCT
cana-4736	102	19	and	and	CCONJ
cana-4736	102	20	latvia	latvia	PROPN
cana-4736	102	21	(	(	PUNCT
cana-4736	102	22	41.7	41.7	NUM
cana-4736	102	23	%	%	NOUN
cana-4736	102	24	)	)	PUNCT
cana-4736	102	25	.	.	PUNCT
cana-4736	103	1	by	by	ADP
cana-4736	103	2	contrast	contrast	NOUN
cana-4736	103	3	,	,	PUNCT
cana-4736	103	4	overcrowding	overcrowding	NOUN
cana-4736	103	5	rates	rate	NOUN
cana-4736	103	6	lower	low	ADJ
cana-4736	103	7	than	than	ADP
cana-4736	103	8	5.0	5.0	NUM
cana-4736	103	9	%	%	NOUN
cana-4736	103	10	were	be	AUX
cana-4736	103	11	recorded	record	VERB
cana-4736	103	12	in	in	ADP
cana-4736	103	13	ireland	ireland	PROPN
cana-4736	103	14	(	(	PUNCT
cana-4736	103	15	4.3	4.3	NUM
cana-4736	103	16	%	%	NOUN
cana-4736	103	17	)	)	PUNCT
cana-4736	103	18	,	,	PUNCT
cana-4736	103	19	the	the	DET
cana-4736	103	20	netherlands	netherlands	PROPN
cana-4736	103	21	(	(	PUNCT
cana-4736	103	22	2.9	2.9	NUM
cana-4736	103	23	%	%	NOUN
cana-4736	103	24	)	)	PUNCT
cana-4736	103	25	,	,	PUNCT
cana-4736	103	26	malta	malta	PROPN
cana-4736	103	27	(	(	PUNCT
cana-4736	103	28	2.8	2.8	NUM
cana-4736	103	29	%	%	NOUN
cana-4736	103	30	)	)	PUNCT
cana-4736	103	31	and	and	CCONJ
cana-4736	103	32	cyprus	cyprus	PROPN
cana-4736	103	33	(	(	PUNCT
cana-4736	103	34	2.2	2.2	NUM
cana-4736	103	35	%	%	NOUN
cana-4736	103	36	)	)	PUNCT
cana-4736	104	1	[	[	X
cana-4736	104	2	15	15	NUM
cana-4736	104	3	]	]	PUNCT
cana-4736	104	4	.	.	PUNCT
cana-4736	105	1	figure	figure	NOUN
cana-4736	105	2	3	3	NUM
cana-4736	105	3	.	.	PUNCT
cana-4736	106	1	persons	person	NOUN
cana-4736	106	2	living	live	VERB
cana-4736	106	3	in	in	ADP
cana-4736	106	4	an	an	DET
cana-4736	106	5	overcrowded	overcrowded	ADJ
cana-4736	106	6	household	household	NOUN
cana-4736	106	7	,	,	PUNCT
cana-4736	106	8	2022	2022	NUM
cana-4736	106	9	.	.	PUNCT
cana-4736	107	1	source	source	NOUN
cana-4736	107	2	:	:	PUNCT
cana-4736	108	1	[	[	X
cana-4736	108	2	16	16	NUM
cana-4736	108	3	]	]	PUNCT
cana-4736	108	4	.	.	PUNCT
cana-4736	109	1	communications	communication	NOUN
cana-4736	109	2	on	on	ADP
cana-4736	109	3	applied	apply	VERB
cana-4736	109	4	nonlinear	nonlinear	ADJ
cana-4736	109	5	analysis	analysis	NOUN
cana-4736	109	6	issn	issn	NOUN
cana-4736	109	7	:	:	PUNCT
cana-4736	109	8	1074	1074	NUM
cana-4736	109	9	-	-	PUNCT
cana-4736	109	10	133x	133x	NUM
cana-4736	109	11	vol	vol	VERB
cana-4736	109	12	32	32	NUM
cana-4736	109	13	no	no	NOUN
cana-4736	109	14	.	.	PUNCT
cana-4736	110	1	10s	10	NOUN
cana-4736	110	2	(	(	PUNCT
cana-4736	110	3	2025	2025	NUM
cana-4736	110	4	)	)	PUNCT
cana-4736	110	5	272	272	NUM
cana-4736	110	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	110	7	income	income	NOUN
cana-4736	110	8	situation	situation	NOUN
cana-4736	110	9	in	in	ADP
cana-4736	110	10	relation	relation	NOUN
cana-4736	110	11	to	to	ADP
cana-4736	110	12	the	the	DET
cana-4736	110	13	risk	risk	NOUN
cana-4736	110	14	of	of	ADP
cana-4736	110	15	poverty	poverty	NOUN
cana-4736	110	16	threshold	threshold	NOUN
cana-4736	110	17	this	this	DET
cana-4736	110	18	indicator	indicator	NOUN
cana-4736	110	19	is	be	AUX
cana-4736	110	20	defined	define	VERB
cana-4736	110	21	as	as	ADP
cana-4736	110	22	the	the	DET
cana-4736	110	23	percentage	percentage	NOUN
cana-4736	110	24	of	of	ADP
cana-4736	110	25	the	the	DET
cana-4736	110	26	population	population	NOUN
cana-4736	110	27	living	live	VERB
cana-4736	110	28	in	in	ADP
cana-4736	110	29	an	an	DET
cana-4736	110	30	overcrowded	overcrowded	ADJ
cana-4736	110	31	household	household	NOUN
cana-4736	110	32	and	and	CCONJ
cana-4736	110	33	it	it	PRON
cana-4736	110	34	is	be	AUX
cana-4736	110	35	presented	present	VERB
cana-4736	110	36	as	as	ADP
cana-4736	110	37	poverty	poverty	NOUN
cana-4736	110	38	status	status	NOUN
cana-4736	110	39	(	(	PUNCT
cana-4736	110	40	excluding	exclude	VERB
cana-4736	110	41	the	the	DET
cana-4736	110	42	single	single	ADJ
cana-4736	110	43	-	-	PUNCT
cana-4736	110	44	person	person	NOUN
cana-4736	110	45	households	household	NOUN
cana-4736	110	46	)	)	PUNCT
cana-4736	110	47	.	.	PUNCT
cana-4736	111	1	a	a	DET
cana-4736	111	2	person	person	NOUN
cana-4736	111	3	is	be	AUX
cana-4736	111	4	considered	consider	VERB
cana-4736	111	5	as	as	ADP
cana-4736	111	6	living	live	VERB
cana-4736	111	7	in	in	ADP
cana-4736	111	8	an	an	DET
cana-4736	111	9	overcrowded	overcrowded	ADJ
cana-4736	111	10	household	household	NOUN
cana-4736	111	11	if	if	SCONJ
cana-4736	111	12	the	the	DET
cana-4736	111	13	household	household	NOUN
cana-4736	111	14	does	do	AUX
cana-4736	111	15	not	not	PART
cana-4736	111	16	have	have	VERB
cana-4736	111	17	at	at	ADP
cana-4736	111	18	its	its	PRON
cana-4736	111	19	disposal	disposal	NOUN
cana-4736	111	20	a	a	DET
cana-4736	111	21	minimum	minimum	NOUN
cana-4736	111	22	of	of	ADP
cana-4736	111	23	rooms	room	NOUN
cana-4736	111	24	equal	equal	ADJ
cana-4736	111	25	to	to	ADP
cana-4736	111	26	:	:	PUNCT
cana-4736	111	27	one	one	NUM
cana-4736	111	28	room	room	NOUN
cana-4736	111	29	for	for	ADP
cana-4736	111	30	the	the	DET
cana-4736	111	31	household	household	NOUN
cana-4736	111	32	;	;	PUNCT
cana-4736	111	33	one	one	NUM
cana-4736	111	34	room	room	NOUN
cana-4736	111	35	by	by	ADP
cana-4736	111	36	couple	couple	NOUN
cana-4736	111	37	in	in	ADP
cana-4736	111	38	the	the	DET
cana-4736	111	39	household	household	NOUN
cana-4736	111	40	;	;	PUNCT
cana-4736	111	41	one	one	NUM
cana-4736	111	42	room	room	NOUN
cana-4736	111	43	for	for	ADP
cana-4736	111	44	each	each	DET
cana-4736	111	45	single	single	ADJ
cana-4736	111	46	person	person	NOUN
cana-4736	111	47	aged	age	VERB
cana-4736	111	48	18	18	NUM
cana-4736	111	49	and	and	CCONJ
cana-4736	111	50	more	more	ADJ
cana-4736	111	51	;	;	PUNCT
cana-4736	111	52	one	one	NUM
cana-4736	111	53	room	room	NOUN
cana-4736	111	54	by	by	ADP
cana-4736	111	55	pair	pair	NOUN
cana-4736	111	56	of	of	ADP
cana-4736	111	57	single	single	ADJ
cana-4736	111	58	people	people	NOUN
cana-4736	111	59	of	of	ADP
cana-4736	111	60	the	the	DET
cana-4736	111	61	same	same	ADJ
cana-4736	111	62	sex	sex	NOUN
cana-4736	111	63	between	between	ADP
cana-4736	111	64	12	12	NUM
cana-4736	111	65	and	and	CCONJ
cana-4736	111	66	17	17	NUM
cana-4736	111	67	years	year	NOUN
cana-4736	111	68	of	of	ADP
cana-4736	111	69	age	age	NOUN
cana-4736	111	70	;	;	PUNCT
cana-4736	111	71	one	one	NUM
cana-4736	111	72	room	room	NOUN
cana-4736	111	73	for	for	ADP
cana-4736	111	74	each	each	DET
cana-4736	111	75	single	single	ADJ
cana-4736	111	76	person	person	NOUN
cana-4736	111	77	between	between	ADP
cana-4736	111	78	12	12	NUM
cana-4736	111	79	and	and	CCONJ
cana-4736	111	80	17	17	NUM
cana-4736	111	81	years	year	NOUN
cana-4736	111	82	of	of	ADP
cana-4736	111	83	age	age	NOUN
cana-4736	111	84	and	and	CCONJ
cana-4736	111	85	not	not	PART
cana-4736	111	86	included	include	VERB
cana-4736	111	87	in	in	ADP
cana-4736	111	88	the	the	DET
cana-4736	111	89	previous	previous	ADJ
cana-4736	111	90	category	category	NOUN
cana-4736	111	91	;	;	PUNCT
cana-4736	111	92	one	one	NUM
cana-4736	111	93	room	room	NOUN
cana-4736	111	94	by	by	ADP
cana-4736	111	95	pair	pair	NOUN
cana-4736	111	96	of	of	ADP
cana-4736	111	97	children	child	NOUN
cana-4736	111	98	under	under	ADP
cana-4736	111	99	12	12	NUM
cana-4736	111	100	years	year	NOUN
cana-4736	111	101	of	of	ADP
cana-4736	111	102	age	age	NOUN
cana-4736	111	103	.	.	PUNCT
cana-4736	112	1	discussion	discussion	NOUN
cana-4736	112	2	slovakia	slovakia	PROPN
cana-4736	112	3	,	,	PUNCT
cana-4736	112	4	as	as	ADP
cana-4736	112	5	part	part	NOUN
cana-4736	112	6	of	of	ADP
cana-4736	112	7	the	the	DET
cana-4736	112	8	european	european	PROPN
cana-4736	112	9	union	union	PROPN
cana-4736	112	10	,	,	PUNCT
cana-4736	112	11	is	be	AUX
cana-4736	112	12	experiencing	experience	VERB
cana-4736	112	13	significant	significant	ADJ
cana-4736	112	14	changes	change	NOUN
cana-4736	112	15	in	in	ADP
cana-4736	112	16	consumer	consumer	NOUN
cana-4736	112	17	behavior	behavior	NOUN
cana-4736	112	18	and	and	CCONJ
cana-4736	112	19	household	household	NOUN
cana-4736	112	20	indebtedness	indebtedness	NOUN
cana-4736	112	21	.	.	PUNCT
cana-4736	113	1	the	the	DET
cana-4736	113	2	increasing	increase	VERB
cana-4736	113	3	household	household	NOUN
cana-4736	113	4	indebtedness	indebtedness	NOUN
cana-4736	113	5	raises	raise	VERB
cana-4736	113	6	questions	question	NOUN
cana-4736	113	7	about	about	ADP
cana-4736	113	8	its	its	PRON
cana-4736	113	9	causes	cause	NOUN
cana-4736	113	10	,	,	PUNCT
cana-4736	113	11	consequences	consequence	NOUN
cana-4736	113	12	and	and	CCONJ
cana-4736	113	13	factors	factor	NOUN
cana-4736	113	14	affecting	affect	VERB
cana-4736	113	15	it	it	PRON
cana-4736	113	16	.	.	PUNCT
cana-4736	114	1	the	the	DET
cana-4736	114	2	growth	growth	NOUN
cana-4736	114	3	of	of	ADP
cana-4736	114	4	household	household	NOUN
cana-4736	114	5	indebtedness	indebtedness	NOUN
cana-4736	114	6	is	be	AUX
cana-4736	114	7	one	one	NUM
cana-4736	114	8	of	of	ADP
cana-4736	114	9	the	the	DET
cana-4736	114	10	main	main	ADJ
cana-4736	114	11	trends	trend	NOUN
cana-4736	114	12	in	in	ADP
cana-4736	114	13	the	the	DET
cana-4736	114	14	global	global	ADJ
cana-4736	114	15	financial	financial	ADJ
cana-4736	114	16	market	market	NOUN
cana-4736	114	17	and	and	CCONJ
cana-4736	114	18	represents	represent	VERB
cana-4736	114	19	one	one	NUM
cana-4736	114	20	of	of	ADP
cana-4736	114	21	the	the	DET
cana-4736	114	22	key	key	ADJ
cana-4736	114	23	risks	risk	NOUN
cana-4736	114	24	to	to	ADP
cana-4736	114	25	the	the	DET
cana-4736	114	26	financial	financial	ADJ
cana-4736	114	27	stability	stability	NOUN
cana-4736	114	28	of	of	ADP
cana-4736	114	29	countries	country	NOUN
cana-4736	114	30	[	[	X
cana-4736	114	31	12	12	NUM
cana-4736	114	32	]	]	PUNCT
cana-4736	114	33	.	.	PUNCT
cana-4736	115	1	in	in	ADP
cana-4736	115	2	recent	recent	ADJ
cana-4736	115	3	years	year	NOUN
cana-4736	115	4	,	,	PUNCT
cana-4736	115	5	in	in	ADP
cana-4736	115	6	slovakia	slovakia	PROPN
cana-4736	115	7	,	,	PUNCT
cana-4736	115	8	but	but	CCONJ
cana-4736	115	9	also	also	ADV
cana-4736	115	10	in	in	ADP
cana-4736	115	11	some	some	DET
cana-4736	115	12	other	other	ADJ
cana-4736	115	13	european	european	PROPN
cana-4736	115	14	union	union	PROPN
cana-4736	115	15	countries	country	NOUN
cana-4736	115	16	,	,	PUNCT
cana-4736	115	17	we	we	PRON
cana-4736	115	18	have	have	AUX
cana-4736	115	19	seen	see	VERB
cana-4736	115	20	a	a	DET
cana-4736	115	21	significant	significant	ADJ
cana-4736	115	22	increase	increase	NOUN
cana-4736	115	23	in	in	ADP
cana-4736	115	24	loans	loan	NOUN
cana-4736	115	25	,	,	PUNCT
cana-4736	115	26	mainly	mainly	ADV
cana-4736	115	27	due	due	ADP
cana-4736	115	28	to	to	ADP
cana-4736	115	29	high	high	ADJ
cana-4736	115	30	demand	demand	NOUN
cana-4736	115	31	in	in	ADP
cana-4736	115	32	the	the	DET
cana-4736	115	33	real	real	ADJ
cana-4736	115	34	estate	estate	NOUN
cana-4736	115	35	market	market	NOUN
cana-4736	115	36	.	.	PUNCT
cana-4736	116	1	the	the	DET
cana-4736	116	2	largest	large	ADJ
cana-4736	116	3	part	part	NOUN
cana-4736	116	4	of	of	ADP
cana-4736	116	5	household	household	NOUN
cana-4736	116	6	debt	debt	NOUN
cana-4736	116	7	is	be	AUX
cana-4736	116	8	loans	loan	NOUN
cana-4736	116	9	,	,	PUNCT
cana-4736	116	10	primarily	primarily	ADV
cana-4736	116	11	for	for	ADP
cana-4736	116	12	housing	housing	NOUN
cana-4736	116	13	.	.	PUNCT
cana-4736	117	1	as	as	SCONJ
cana-4736	117	2	real	real	ADJ
cana-4736	117	3	estate	estate	NOUN
cana-4736	117	4	prices	price	NOUN
cana-4736	117	5	rise	rise	VERB
cana-4736	117	6	,	,	PUNCT
cana-4736	117	7	households	household	NOUN
cana-4736	117	8	have	have	VERB
cana-4736	117	9	to	to	PART
cana-4736	117	10	borrow	borrow	VERB
cana-4736	117	11	more	more	ADJ
cana-4736	117	12	money	money	NOUN
cana-4736	117	13	to	to	PART
cana-4736	117	14	buy	buy	VERB
cana-4736	117	15	those	those	PRON
cana-4736	117	16	[	[	X
cana-4736	117	17	12	12	NUM
cana-4736	117	18	]	]	PUNCT
cana-4736	117	19	.	.	PUNCT
cana-4736	118	1	at	at	ADP
cana-4736	118	2	the	the	DET
cana-4736	118	3	same	same	ADJ
cana-4736	118	4	time	time	NOUN
cana-4736	118	5	,	,	PUNCT
cana-4736	118	6	property	property	NOUN
cana-4736	118	7	owners	owner	NOUN
cana-4736	118	8	may	may	AUX
cana-4736	118	9	feel	feel	VERB
cana-4736	118	10	wealthier	wealthy	ADJ
cana-4736	118	11	and	and	CCONJ
cana-4736	118	12	,	,	PUNCT
cana-4736	118	13	based	base	VERB
cana-4736	118	14	on	on	ADP
cana-4736	118	15	the	the	DET
cana-4736	118	16	increased	increase	VERB
cana-4736	118	17	value	value	NOUN
cana-4736	118	18	of	of	ADP
cana-4736	118	19	their	their	PRON
cana-4736	118	20	property	property	NOUN
cana-4736	118	21	,	,	PUNCT
cana-4736	118	22	borrow	borrow	VERB
cana-4736	118	23	to	to	PART
cana-4736	118	24	finance	finance	VERB
cana-4736	118	25	expenses	expense	NOUN
cana-4736	118	26	related	relate	VERB
cana-4736	118	27	to	to	ADP
cana-4736	118	28	consumer	consumer	NOUN
cana-4736	118	29	goods	good	NOUN
cana-4736	118	30	and	and	CCONJ
cana-4736	118	31	services	service	NOUN
cana-4736	118	32	.	.	PUNCT
cana-4736	119	1	however	however	ADV
cana-4736	119	2	,	,	PUNCT
cana-4736	119	3	excessive	excessive	ADJ
cana-4736	119	4	indebtedness	indebtedness	NOUN
cana-4736	119	5	,	,	PUNCT
cana-4736	119	6	if	if	SCONJ
cana-4736	119	7	not	not	PART
cana-4736	119	8	adequately	adequately	ADV
cana-4736	119	9	regulated	regulate	VERB
cana-4736	119	10	,	,	PUNCT
cana-4736	119	11	can	can	AUX
cana-4736	119	12	lead	lead	VERB
cana-4736	119	13	to	to	ADP
cana-4736	119	14	serious	serious	ADJ
cana-4736	119	15	banking	banking	NOUN
cana-4736	119	16	and	and	CCONJ
cana-4736	119	17	economic	economic	ADJ
cana-4736	119	18	crises	crisis	NOUN
cana-4736	119	19	.	.	PUNCT
cana-4736	120	1	[	[	X
cana-4736	120	2	17	17	NUM
cana-4736	120	3	]	]	PUNCT
cana-4736	120	4	.	.	PUNCT
cana-4736	121	1	according	accord	VERB
cana-4736	121	2	to	to	ADP
cana-4736	121	3	the	the	DET
cana-4736	121	4	analyses	analysis	NOUN
cana-4736	121	5	of	of	ADP
cana-4736	121	6	the	the	DET
cana-4736	121	7	national	national	PROPN
cana-4736	121	8	bank	bank	PROPN
cana-4736	121	9	of	of	ADP
cana-4736	121	10	slovakia	slovakia	PROPN
cana-4736	121	11	,	,	PUNCT
cana-4736	121	12	the	the	DET
cana-4736	121	13	significant	significant	ADJ
cana-4736	121	14	increase	increase	NOUN
cana-4736	121	15	in	in	ADP
cana-4736	121	16	debt	debt	NOUN
cana-4736	121	17	in	in	ADP
cana-4736	121	18	slovakia	slovakia	PROPN
cana-4736	121	19	was	be	AUX
cana-4736	121	20	mainly	mainly	ADV
cana-4736	121	21	contributed	contribute	VERB
cana-4736	121	22	by	by	ADP
cana-4736	121	23	low	low	ADJ
cana-4736	121	24	interest	interest	NOUN
cana-4736	121	25	rates	rate	NOUN
cana-4736	121	26	,	,	PUNCT
cana-4736	121	27	favorable	favorable	ADJ
cana-4736	121	28	macroeconomic	macroeconomic	ADJ
cana-4736	121	29	conditions	condition	NOUN
cana-4736	121	30	and	and	CCONJ
cana-4736	121	31	the	the	DET
cana-4736	121	32	situation	situation	NOUN
cana-4736	121	33	on	on	ADP
cana-4736	121	34	the	the	DET
cana-4736	121	35	real	real	ADJ
cana-4736	121	36	estate	estate	NOUN
cana-4736	121	37	market	market	NOUN
cana-4736	121	38	.	.	PUNCT
cana-4736	122	1	however	however	ADV
cana-4736	122	2	,	,	PUNCT
cana-4736	122	3	the	the	DET
cana-4736	122	4	increase	increase	NOUN
cana-4736	122	5	in	in	ADP
cana-4736	122	6	real	real	ADJ
cana-4736	122	7	estate	estate	NOUN
cana-4736	122	8	prices	price	NOUN
cana-4736	122	9	can	can	AUX
cana-4736	122	10	have	have	VERB
cana-4736	122	11	a	a	DET
cana-4736	122	12	positive	positive	ADJ
cana-4736	122	13	impact	impact	NOUN
cana-4736	122	14	on	on	ADP
cana-4736	122	15	managing	manage	VERB
cana-4736	122	16	high	high	ADJ
cana-4736	122	17	debt	debt	NOUN
cana-4736	122	18	,	,	PUNCT
cana-4736	122	19	as	as	SCONJ
cana-4736	122	20	price	price	NOUN
cana-4736	122	21	growth	growth	NOUN
cana-4736	122	22	increases	increase	VERB
cana-4736	122	23	the	the	DET
cana-4736	122	24	value	value	NOUN
cana-4736	122	25	of	of	ADP
cana-4736	122	26	households	household	NOUN
cana-4736	122	27	'	'	PART
cana-4736	122	28	financial	financial	ADJ
cana-4736	122	29	assets	asset	NOUN
cana-4736	122	30	,	,	PUNCT
cana-4736	122	31	making	make	VERB
cana-4736	122	32	loans	loan	NOUN
cana-4736	122	33	a	a	DET
cana-4736	122	34	smaller	small	ADJ
cana-4736	122	35	share	share	NOUN
cana-4736	122	36	of	of	ADP
cana-4736	122	37	their	their	PRON
cana-4736	122	38	total	total	ADJ
cana-4736	122	39	assets	asset	NOUN
cana-4736	122	40	.	.	PUNCT
cana-4736	123	1	nevertheless	nevertheless	ADV
cana-4736	123	2	,	,	PUNCT
cana-4736	123	3	the	the	DET
cana-4736	123	4	financial	financial	ADJ
cana-4736	123	5	assets	asset	NOUN
cana-4736	123	6	of	of	ADP
cana-4736	123	7	slovak	slovak	ADJ
cana-4736	123	8	households	household	NOUN
cana-4736	123	9	remain	remain	VERB
cana-4736	123	10	among	among	ADP
cana-4736	123	11	the	the	DET
cana-4736	123	12	lowest	low	ADJ
cana-4736	123	13	in	in	ADP
cana-4736	123	14	europe	europe	PROPN
cana-4736	123	15	.	.	PUNCT
cana-4736	124	1	housing	housing	NOUN
cana-4736	124	2	affordability	affordability	NOUN
cana-4736	124	3	in	in	ADP
cana-4736	124	4	slovakia	slovakia	PROPN
cana-4736	124	5	is	be	AUX
cana-4736	124	6	closely	closely	ADV
cana-4736	124	7	linked	link	VERB
cana-4736	124	8	to	to	ADP
cana-4736	124	9	household	household	NOUN
cana-4736	124	10	income	income	NOUN
cana-4736	124	11	.	.	PUNCT
cana-4736	125	1	real	real	ADJ
cana-4736	125	2	estate	estate	NOUN
cana-4736	125	3	prices	price	NOUN
cana-4736	125	4	have	have	AUX
cana-4736	125	5	grown	grow	VERB
cana-4736	125	6	faster	fast	ADV
cana-4736	125	7	than	than	ADP
cana-4736	125	8	real	real	ADJ
cana-4736	125	9	wages	wage	NOUN
cana-4736	125	10	,	,	PUNCT
cana-4736	125	11	which	which	PRON
cana-4736	125	12	has	have	AUX
cana-4736	125	13	created	create	VERB
cana-4736	125	14	pressure	pressure	NOUN
cana-4736	125	15	on	on	ADP
cana-4736	125	16	indebtedness	indebtedness	NOUN
cana-4736	125	17	.	.	PUNCT
cana-4736	126	1	the	the	DET
cana-4736	126	2	main	main	ADJ
cana-4736	126	3	factors	factor	NOUN
cana-4736	126	4	are	be	AUX
cana-4736	126	5	:	:	PUNCT
cana-4736	126	6	•	•	PRON
cana-4736	126	7	rising	rise	VERB
cana-4736	126	8	real	real	ADJ
cana-4736	126	9	estate	estate	NOUN
cana-4736	126	10	prices	price	NOUN
cana-4736	126	11	:	:	PUNCT
cana-4736	126	12	especially	especially	ADV
cana-4736	126	13	in	in	ADP
cana-4736	126	14	large	large	ADJ
cana-4736	126	15	cities	city	NOUN
cana-4736	126	16	such	such	ADJ
cana-4736	126	17	as	as	ADP
cana-4736	126	18	bratislava	bratislava	NOUN
cana-4736	126	19	,	,	PUNCT
cana-4736	126	20	where	where	SCONJ
cana-4736	126	21	high	high	ADJ
cana-4736	126	22	demand	demand	NOUN
cana-4736	126	23	and	and	CCONJ
cana-4736	126	24	limited	limited	ADJ
cana-4736	126	25	supply	supply	NOUN
cana-4736	126	26	are	be	AUX
cana-4736	126	27	causing	cause	VERB
cana-4736	126	28	price	price	NOUN
cana-4736	126	29	growth	growth	NOUN
cana-4736	126	30	.	.	PUNCT
cana-4736	127	1	•	•	NUM
cana-4736	127	2	income	income	NOUN
cana-4736	127	3	inequality	inequality	NOUN
cana-4736	127	4	:	:	PUNCT
cana-4736	127	5	households	household	NOUN
cana-4736	127	6	with	with	ADP
cana-4736	127	7	lower	low	ADJ
cana-4736	127	8	incomes	income	NOUN
cana-4736	127	9	have	have	VERB
cana-4736	127	10	limited	limit	VERB
cana-4736	127	11	options	option	NOUN
cana-4736	127	12	for	for	ADP
cana-4736	127	13	financing	finance	VERB
cana-4736	127	14	housing	housing	NOUN
cana-4736	127	15	,	,	PUNCT
cana-4736	127	16	making	make	VERB
cana-4736	127	17	them	they	PRON
cana-4736	127	18	more	more	ADV
cana-4736	127	19	likely	likely	ADJ
cana-4736	127	20	to	to	PART
cana-4736	127	21	rely	rely	VERB
cana-4736	127	22	on	on	ADP
cana-4736	127	23	long	long	ADJ
cana-4736	127	24	-	-	PUNCT
cana-4736	127	25	term	term	NOUN
cana-4736	127	26	loans	loan	NOUN
cana-4736	127	27	.	.	PUNCT
cana-4736	128	1	•	•	NUM
cana-4736	128	2	financial	financial	ADJ
cana-4736	128	3	burden	burden	NOUN
cana-4736	128	4	on	on	ADP
cana-4736	128	5	housing	housing	NOUN
cana-4736	128	6	:	:	PUNCT
cana-4736	128	7	the	the	DET
cana-4736	128	8	share	share	NOUN
cana-4736	128	9	of	of	ADP
cana-4736	128	10	housing	housing	NOUN
cana-4736	128	11	costs	cost	NOUN
cana-4736	128	12	in	in	ADP
cana-4736	128	13	total	total	ADJ
cana-4736	128	14	income	income	NOUN
cana-4736	128	15	is	be	AUX
cana-4736	128	16	high	high	ADJ
cana-4736	128	17	for	for	SCONJ
cana-4736	128	18	many	many	ADJ
cana-4736	128	19	communications	communication	NOUN
cana-4736	128	20	on	on	ADP
cana-4736	128	21	applied	apply	VERB
cana-4736	128	22	nonlinear	nonlinear	ADJ
cana-4736	128	23	analysis	analysis	NOUN
cana-4736	128	24	issn	issn	NOUN
cana-4736	128	25	:	:	PUNCT
cana-4736	128	26	1074	1074	NUM
cana-4736	128	27	-	-	PUNCT
cana-4736	128	28	133x	133x	NUM
cana-4736	128	29	vol	vol	VERB
cana-4736	128	30	32	32	NUM
cana-4736	128	31	no	no	NOUN
cana-4736	128	32	.	.	PUNCT
cana-4736	129	1	10s	10	NOUN
cana-4736	129	2	(	(	PUNCT
cana-4736	129	3	2025	2025	NUM
cana-4736	129	4	)	)	PUNCT
cana-4736	129	5	273	273	NUM
cana-4736	129	6	https://internationalpubls.com	https://internationalpubls.com	NUM
cana-4736	129	7	households	household	NOUN
cana-4736	129	8	,	,	PUNCT
cana-4736	129	9	which	which	PRON
cana-4736	129	10	reduces	reduce	VERB
cana-4736	129	11	the	the	DET
cana-4736	129	12	scope	scope	NOUN
cana-4736	129	13	for	for	ADP
cana-4736	129	14	further	further	ADJ
cana-4736	129	15	savings	saving	NOUN
cana-4736	129	16	and	and	CCONJ
cana-4736	129	17	consumption	consumption	NOUN
cana-4736	129	18	(	(	PUNCT
cana-4736	129	19	fig	fig	NOUN
cana-4736	129	20	.	.	PUNCT
cana-4736	129	21	4	4	NUM
cana-4736	129	22	)	)	PUNCT
cana-4736	129	23	.	.	PUNCT
cana-4736	130	1	the	the	DET
cana-4736	130	2	national	national	PROPN
cana-4736	130	3	bank	bank	PROPN
cana-4736	130	4	of	of	ADP
cana-4736	130	5	slovakia	slovakia	PROPN
cana-4736	130	6	introduced	introduce	VERB
cana-4736	130	7	new	new	ADJ
cana-4736	130	8	measures	measure	NOUN
cana-4736	130	9	in	in	ADP
cana-4736	130	10	the	the	DET
cana-4736	130	11	area	area	NOUN
cana-4736	130	12	of	of	ADP
cana-4736	130	13	prudential	prudential	ADJ
cana-4736	130	14	provision	provision	NOUN
cana-4736	130	15	of	of	ADP
cana-4736	130	16	housing	housing	NOUN
cana-4736	130	17	loans	loan	NOUN
cana-4736	130	18	from	from	ADP
cana-4736	130	19	1	1	NUM
cana-4736	130	20	january	january	NOUN
cana-4736	130	21	2020	2020	NUM
cana-4736	130	22	.	.	PUNCT
cana-4736	131	1	the	the	DET
cana-4736	131	2	reason	reason	NOUN
cana-4736	131	3	for	for	ADP
cana-4736	131	4	this	this	PRON
cana-4736	131	5	was	be	AUX
cana-4736	131	6	the	the	DET
cana-4736	131	7	development	development	NOUN
cana-4736	131	8	in	in	ADP
cana-4736	131	9	the	the	DET
cana-4736	131	10	consumer	consumer	NOUN
cana-4736	131	11	credit	credit	NOUN
cana-4736	131	12	market	market	NOUN
cana-4736	131	13	,	,	PUNCT
cana-4736	131	14	which	which	PRON
cana-4736	131	15	is	be	AUX
cana-4736	131	16	one	one	NUM
cana-4736	131	17	of	of	ADP
cana-4736	131	18	the	the	DET
cana-4736	131	19	most	most	ADV
cana-4736	131	20	significant	significant	ADJ
cana-4736	131	21	factors	factor	NOUN
cana-4736	131	22	affecting	affect	VERB
cana-4736	131	23	the	the	DET
cana-4736	131	24	stability	stability	NOUN
cana-4736	131	25	of	of	ADP
cana-4736	131	26	the	the	DET
cana-4736	131	27	slovak	slovak	ADJ
cana-4736	131	28	banking	banking	NOUN
cana-4736	131	29	sector	sector	NOUN
cana-4736	131	30	.	.	PUNCT
cana-4736	132	1	figure	figure	VERB
cana-4736	132	2	4	4	NUM
cana-4736	132	3	.	.	PUNCT
cana-4736	133	1	comparison	comparison	NOUN
cana-4736	133	2	:	:	PUNCT
cana-4736	134	1	development	development	NOUN
cana-4736	134	2	of	of	ADP
cana-4736	134	3	apartment	apartment	NOUN
cana-4736	134	4	prices	price	NOUN
cana-4736	134	5	in	in	ADP
cana-4736	134	6	€	€	SYM
cana-4736	134	7	/m2	/m2	NOUN
cana-4736	134	8	and	and	CCONJ
cana-4736	134	9	average	average	ADJ
cana-4736	134	10	gross	gross	ADJ
cana-4736	134	11	salary	salary	NOUN
cana-4736	134	12	of	of	ADP
cana-4736	134	13	an	an	DET
cana-4736	134	14	employee	employee	NOUN
cana-4736	134	15	in	in	ADP
cana-4736	134	16	€	€	SYM
cana-4736	134	17	.	.	PUNCT
cana-4736	135	1	source	source	NOUN
cana-4736	135	2	:	:	PUNCT
cana-4736	136	1	[	[	X
cana-4736	136	2	14	14	NUM
cana-4736	136	3	]	]	PUNCT
cana-4736	136	4	.	.	PUNCT
cana-4736	137	1	therefore	therefore	ADV
cana-4736	137	2	,	,	PUNCT
cana-4736	137	3	it	it	PRON
cana-4736	137	4	was	be	AUX
cana-4736	137	5	important	important	ADJ
cana-4736	137	6	for	for	SCONJ
cana-4736	137	7	lenders	lender	NOUN
cana-4736	137	8	to	to	PART
cana-4736	137	9	adequately	adequately	ADV
cana-4736	137	10	assess	assess	VERB
cana-4736	137	11	the	the	DET
cana-4736	137	12	ability	ability	NOUN
cana-4736	137	13	of	of	ADP
cana-4736	137	14	retail	retail	ADJ
cana-4736	137	15	clients	client	NOUN
cana-4736	137	16	to	to	PART
cana-4736	137	17	repay	repay	VERB
cana-4736	137	18	their	their	PRON
cana-4736	137	19	obligations	obligation	NOUN
cana-4736	137	20	to	to	ADP
cana-4736	137	21	banks	bank	NOUN
cana-4736	137	22	.	.	PUNCT
cana-4736	138	1	especially	especially	ADV
cana-4736	138	2	in	in	ADP
cana-4736	138	3	times	time	NOUN
cana-4736	138	4	of	of	ADP
cana-4736	138	5	low	low	ADJ
cana-4736	138	6	interest	interest	NOUN
cana-4736	138	7	rates	rate	NOUN
cana-4736	138	8	,	,	PUNCT
cana-4736	138	9	it	it	PRON
cana-4736	138	10	is	be	AUX
cana-4736	138	11	important	important	ADJ
cana-4736	138	12	to	to	PART
cana-4736	138	13	assess	assess	VERB
cana-4736	138	14	the	the	DET
cana-4736	138	15	ability	ability	NOUN
cana-4736	138	16	of	of	ADP
cana-4736	138	17	clients	client	NOUN
cana-4736	138	18	to	to	PART
cana-4736	138	19	repay	repay	VERB
cana-4736	138	20	loans	loan	NOUN
cana-4736	138	21	conservatively	conservatively	ADV
cana-4736	138	22	enough	enough	ADV
cana-4736	138	23	,	,	PUNCT
cana-4736	138	24	also	also	ADV
cana-4736	138	25	considering	consider	VERB
cana-4736	138	26	the	the	DET
cana-4736	138	27	risk	risk	NOUN
cana-4736	138	28	of	of	ADP
cana-4736	138	29	future	future	ADJ
cana-4736	138	30	increases	increase	NOUN
cana-4736	138	31	in	in	ADP
cana-4736	138	32	interest	interest	NOUN
cana-4736	138	33	rates	rate	NOUN
cana-4736	138	34	and	and	CCONJ
cana-4736	138	35	thus	thus	ADV
cana-4736	138	36	loan	loan	NOUN
cana-4736	138	37	repayments	repayment	NOUN
cana-4736	138	38	,	,	PUNCT
cana-4736	138	39	and	and	CCONJ
cana-4736	138	40	to	to	PART
cana-4736	138	41	ensure	ensure	VERB
cana-4736	138	42	the	the	DET
cana-4736	138	43	gradual	gradual	ADJ
cana-4736	138	44	repayment	repayment	NOUN
cana-4736	138	45	of	of	ADP
cana-4736	138	46	loans	loan	NOUN
cana-4736	138	47	provided	provide	VERB
cana-4736	138	48	.	.	PUNCT
cana-4736	139	1	the	the	DET
cana-4736	139	2	risk	risk	NOUN
cana-4736	139	3	of	of	ADP
cana-4736	139	4	increasing	increase	VERB
cana-4736	139	5	household	household	NOUN
cana-4736	139	6	indebtedness	indebtedness	NOUN
cana-4736	139	7	,	,	PUNCT
cana-4736	139	8	to	to	PART
cana-4736	139	9	which	which	PRON
cana-4736	139	10	the	the	DET
cana-4736	139	11	rapid	rapid	ADJ
cana-4736	139	12	growth	growth	NOUN
cana-4736	139	13	of	of	ADP
cana-4736	139	14	consumer	consumer	NOUN
cana-4736	139	15	loans	loan	NOUN
cana-4736	139	16	contributes	contribute	VERB
cana-4736	139	17	significantly	significantly	ADV
cana-4736	139	18	,	,	PUNCT
cana-4736	139	19	is	be	AUX
cana-4736	139	20	one	one	NUM
cana-4736	139	21	of	of	ADP
cana-4736	139	22	the	the	DET
cana-4736	139	23	most	most	ADV
cana-4736	139	24	significant	significant	ADJ
cana-4736	139	25	trends	trend	NOUN
cana-4736	139	26	in	in	ADP
cana-4736	139	27	terms	term	NOUN
cana-4736	139	28	of	of	ADP
cana-4736	139	29	the	the	DET
cana-4736	139	30	stability	stability	NOUN
cana-4736	139	31	of	of	ADP
cana-4736	139	32	the	the	DET
cana-4736	139	33	slovak	slovak	ADJ
cana-4736	139	34	financial	financial	ADJ
cana-4736	139	35	sector	sector	NOUN
cana-4736	139	36	.	.	PUNCT
cana-4736	140	1	however	however	ADV
cana-4736	140	2	,	,	PUNCT
cana-4736	140	3	this	this	DET
cana-4736	140	4	growth	growth	NOUN
cana-4736	140	5	brings	bring	VERB
cana-4736	140	6	several	several	ADJ
cana-4736	140	7	risks	risk	NOUN
cana-4736	140	8	,	,	PUNCT
cana-4736	140	9	especially	especially	ADV
cana-4736	140	10	if	if	SCONJ
cana-4736	140	11	consumer	consumer	NOUN
cana-4736	140	12	loans	loan	NOUN
cana-4736	140	13	are	be	AUX
cana-4736	140	14	not	not	PART
cana-4736	140	15	provided	provide	VERB
cana-4736	140	16	in	in	ADP
cana-4736	140	17	a	a	DET
cana-4736	140	18	sufficiently	sufficiently	ADV
cana-4736	140	19	prudent	prudent	ADJ
cana-4736	140	20	manner	manner	NOUN
cana-4736	140	21	.	.	PUNCT
cana-4736	141	1	the	the	DET
cana-4736	141	2	aim	aim	NOUN
cana-4736	141	3	of	of	ADP
cana-4736	141	4	the	the	DET
cana-4736	141	5	proposed	propose	VERB
cana-4736	141	6	measures	measure	NOUN
cana-4736	141	7	was	be	AUX
cana-4736	141	8	to	to	PART
cana-4736	141	9	contribute	contribute	VERB
cana-4736	141	10	to	to	ADP
cana-4736	141	11	mitigating	mitigate	VERB
cana-4736	141	12	these	these	DET
cana-4736	141	13	risks	risk	NOUN
cana-4736	141	14	and	and	CCONJ
cana-4736	141	15	thus	thus	ADV
cana-4736	141	16	to	to	ADP
cana-4736	141	17	achieving	achieve	VERB
cana-4736	141	18	sustainable	sustainable	ADJ
cana-4736	141	19	growth	growth	NOUN
cana-4736	141	20	in	in	ADP
cana-4736	141	21	consumer	consumer	NOUN
cana-4736	141	22	credit	credit	NOUN
cana-4736	141	23	and	and	CCONJ
cana-4736	141	24	a	a	DET
cana-4736	141	25	healthy	healthy	ADJ
cana-4736	141	26	functioning	function	VERB
cana-4736	141	27	household	household	NOUN
cana-4736	141	28	credit	credit	NOUN
cana-4736	141	29	market	market	NOUN
cana-4736	141	30	overall	overall	ADV
cana-4736	141	31	.	.	PUNCT
cana-4736	142	1	another	another	DET
cana-4736	142	2	aim	aim	NOUN
cana-4736	142	3	was	be	AUX
cana-4736	142	4	to	to	PART
cana-4736	142	5	create	create	VERB
cana-4736	142	6	common	common	ADJ
cana-4736	142	7	rules	rule	NOUN
cana-4736	142	8	in	in	ADP
cana-4736	142	9	the	the	DET
cana-4736	142	10	area	area	NOUN
cana-4736	142	11	of	of	ADP
cana-4736	142	12	consumer	consumer	NOUN
cana-4736	142	13	credit	credit	NOUN
cana-4736	142	14	provision	provision	NOUN
cana-4736	142	15	,	,	PUNCT
cana-4736	142	16	which	which	PRON
cana-4736	142	17	must	must	AUX
cana-4736	142	18	be	be	AUX
cana-4736	142	19	identical	identical	ADJ
cana-4736	142	20	for	for	ADP
cana-4736	142	21	all	all	DET
cana-4736	142	22	consumer	consumer	NOUN
cana-4736	142	23	credit	credit	NOUN
cana-4736	142	24	providers	provider	NOUN
cana-4736	142	25	.	.	PUNCT
cana-4736	143	1	this	this	PRON
cana-4736	143	2	will	will	AUX
cana-4736	143	3	ensure	ensure	VERB
cana-4736	143	4	legal	legal	ADJ
cana-4736	143	5	certainty	certainty	NOUN
cana-4736	143	6	and	and	CCONJ
cana-4736	143	7	equal	equal	ADJ
cana-4736	143	8	access	access	NOUN
cana-4736	143	9	for	for	ADP
cana-4736	143	10	all	all	DET
cana-4736	143	11	consumers	consumer	NOUN
cana-4736	143	12	who	who	PRON
cana-4736	143	13	apply	apply	VERB
cana-4736	143	14	for	for	ADP
cana-4736	143	15	consumer	consumer	NOUN
cana-4736	143	16	credit	credit	NOUN
cana-4736	143	17	or	or	CCONJ
cana-4736	143	18	who	who	PRON
cana-4736	143	19	will	will	AUX
cana-4736	143	20	be	be	AUX
cana-4736	143	21	granted	grant	VERB
cana-4736	143	22	consumer	consumer	NOUN
cana-4736	143	23	credit	credit	NOUN
cana-4736	143	24	.	.	PUNCT
cana-4736	144	1	the	the	DET
cana-4736	144	2	draft	draft	NOUN
cana-4736	144	3	law	law	NOUN
cana-4736	144	4	on	on	ADP
cana-4736	144	5	consumer	consumer	NOUN
cana-4736	144	6	credit	credit	NOUN
cana-4736	144	7	contains	contain	VERB
cana-4736	144	8	,	,	PUNCT
cana-4736	144	9	in	in	ADP
cana-4736	144	10	particular	particular	ADJ
cana-4736	144	11	,	,	PUNCT
cana-4736	144	12	a	a	DET
cana-4736	144	13	specification	specification	NOUN
cana-4736	144	14	of	of	ADP
cana-4736	144	15	prudential	prudential	ADJ
cana-4736	144	16	principles	principle	NOUN
cana-4736	144	17	for	for	ADP
cana-4736	144	18	the	the	DET
cana-4736	144	19	provision	provision	NOUN
cana-4736	144	20	of	of	ADP
cana-4736	144	21	consumer	consumer	NOUN
cana-4736	144	22	credit	credit	NOUN
cana-4736	144	23	in	in	ADP
cana-4736	144	24	the	the	DET
cana-4736	144	25	area	area	NOUN
cana-4736	144	26	of	of	ADP
cana-4736	144	27	setting	setting	NOUN
cana-4736	144	28	and	and	CCONJ
cana-4736	144	29	compliance	compliance	NOUN
cana-4736	144	30	with	with	ADP
cana-4736	144	31	limits	limit	NOUN
cana-4736	144	32	for	for	ADP
cana-4736	144	33	the	the	DET
cana-4736	144	34	indicator	indicator	NOUN
cana-4736	144	35	of	of	ADP
cana-4736	144	36	the	the	DET
cana-4736	144	37	consumer	consumer	NOUN
cana-4736	144	38	's	's	PART
cana-4736	144	39	ability	ability	NOUN
cana-4736	144	40	to	to	PART
cana-4736	144	41	repay	repay	VERB
cana-4736	144	42	consumer	consumer	NOUN
cana-4736	144	43	credit	credit	NOUN
cana-4736	144	44	,	,	PUNCT
cana-4736	144	45	verification	verification	NOUN
cana-4736	144	46	of	of	ADP
cana-4736	144	47	the	the	DET
cana-4736	144	48	consumer	consumer	NOUN
cana-4736	144	49	's	's	PART
cana-4736	144	50	income	income	NOUN
cana-4736	144	51	,	,	PUNCT
cana-4736	144	52	prudential	prudential	PROPN
cana-4736	144	53	setting	setting	NOUN
cana-4736	144	54	,	,	PUNCT
cana-4736	144	55	compliance	compliance	NOUN
cana-4736	144	56	with	with	ADP
cana-4736	144	57	limits	limit	NOUN
cana-4736	144	58	and	and	CCONJ
cana-4736	144	59	rules	rule	NOUN
cana-4736	144	60	for	for	ADP
cana-4736	144	61	the	the	DET
cana-4736	144	62	maximum	maximum	ADJ
cana-4736	144	63	maturity	maturity	NOUN
cana-4736	144	64	and	and	CCONJ
cana-4736	144	65	method	method	NOUN
cana-4736	144	66	of	of	ADP
cana-4736	144	67	repayment	repayment	NOUN
cana-4736	144	68	of	of	ADP
cana-4736	144	69	consumer	consumer	NOUN
cana-4736	144	70	credit	credit	NOUN
cana-4736	144	71	and	and	CCONJ
cana-4736	144	72	a	a	DET
cana-4736	144	73	specification	specification	NOUN
cana-4736	144	74	of	of	ADP
cana-4736	144	75	prudential	prudential	ADJ
cana-4736	144	76	rules	rule	NOUN
cana-4736	144	77	for	for	ADP
cana-4736	144	78	the	the	DET
cana-4736	144	79	provision	provision	NOUN
cana-4736	144	80	of	of	ADP
cana-4736	144	81	consumer	consumer	NOUN
cana-4736	144	82	credit	credit	NOUN
cana-4736	144	83	through	through	ADP
cana-4736	144	84	financial	financial	ADJ
cana-4736	144	85	intermediaries	intermediary	NOUN
cana-4736	144	86	.	.	PUNCT
cana-4736	145	1	the	the	DET
cana-4736	145	2	aim	aim	NOUN
cana-4736	145	3	of	of	ADP
cana-4736	145	4	these	these	DET
cana-4736	145	5	measures	measure	NOUN
cana-4736	145	6	is	be	AUX
cana-4736	145	7	communications	communication	NOUN
cana-4736	145	8	on	on	ADP
cana-4736	145	9	applied	apply	VERB
cana-4736	145	10	nonlinear	nonlinear	ADJ
cana-4736	145	11	analysis	analysis	NOUN
cana-4736	145	12	issn	issn	NOUN
cana-4736	145	13	:	:	PUNCT
cana-4736	145	14	1074	1074	NUM
cana-4736	145	15	-	-	PUNCT
cana-4736	145	16	133x	133x	NUM
cana-4736	145	17	vol	vol	VERB
cana-4736	145	18	32	32	NUM
cana-4736	145	19	no	no	NOUN
cana-4736	145	20	.	.	PUNCT
cana-4736	146	1	10s	10	NOUN
cana-4736	146	2	(	(	PUNCT
cana-4736	146	3	2025	2025	NUM
cana-4736	146	4	)	)	PUNCT
cana-4736	146	5	274	274	NUM
cana-4736	146	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	146	7	primarily	primarily	ADV
cana-4736	146	8	to	to	PART
cana-4736	146	9	prudently	prudently	ADV
cana-4736	146	10	prevent	prevent	VERB
cana-4736	146	11	negative	negative	ADJ
cana-4736	146	12	trends	trend	NOUN
cana-4736	146	13	in	in	ADP
cana-4736	146	14	the	the	DET
cana-4736	146	15	provision	provision	NOUN
cana-4736	146	16	of	of	ADP
cana-4736	146	17	consumer	consumer	NOUN
cana-4736	146	18	loans	loan	NOUN
cana-4736	146	19	,	,	PUNCT
cana-4736	146	20	which	which	PRON
cana-4736	146	21	could	could	AUX
cana-4736	146	22	lead	lead	VERB
cana-4736	146	23	to	to	ADP
cana-4736	146	24	increased	increase	VERB
cana-4736	146	25	risks	risk	NOUN
cana-4736	146	26	for	for	ADP
cana-4736	146	27	creditors	creditor	NOUN
cana-4736	146	28	,	,	PUNCT
cana-4736	146	29	consumers	consumer	NOUN
cana-4736	146	30	and	and	CCONJ
cana-4736	146	31	the	the	DET
cana-4736	146	32	economy	economy	NOUN
cana-4736	146	33	as	as	ADP
cana-4736	146	34	a	a	DET
cana-4736	146	35	whole	whole	NOUN
cana-4736	146	36	in	in	ADP
cana-4736	146	37	the	the	DET
cana-4736	146	38	future	future	NOUN
cana-4736	146	39	.	.	PUNCT
cana-4736	147	1	the	the	DET
cana-4736	147	2	law	law	NOUN
cana-4736	147	3	in	in	ADP
cana-4736	147	4	question	question	NOUN
cana-4736	147	5	also	also	ADV
cana-4736	147	6	includes	include	VERB
cana-4736	147	7	an	an	DET
cana-4736	147	8	amendment	amendment	NOUN
cana-4736	147	9	to	to	ADP
cana-4736	147	10	the	the	DET
cana-4736	147	11	draft	draft	NOUN
cana-4736	147	12	law	law	NOUN
cana-4736	147	13	on	on	ADP
cana-4736	147	14	housing	housing	NOUN
cana-4736	147	15	loans	loan	NOUN
cana-4736	147	16	.	.	PUNCT
cana-4736	148	1	conclusion	conclusion	VERB
cana-4736	148	2	the	the	DET
cana-4736	148	3	authors	author	NOUN
cana-4736	148	4	of	of	ADP
cana-4736	148	5	the	the	DET
cana-4736	148	6	present	present	ADJ
cana-4736	148	7	article	article	NOUN
cana-4736	148	8	sought	seek	VERB
cana-4736	148	9	to	to	PART
cana-4736	148	10	identify	identify	VERB
cana-4736	148	11	the	the	DET
cana-4736	148	12	main	main	ADJ
cana-4736	148	13	factors	factor	NOUN
cana-4736	148	14	that	that	PRON
cana-4736	148	15	have	have	VERB
cana-4736	148	16	a	a	DET
cana-4736	148	17	significant	significant	ADJ
cana-4736	148	18	impact	impact	NOUN
cana-4736	148	19	on	on	ADP
cana-4736	148	20	household	household	NOUN
cana-4736	148	21	indebtedness	indebtedness	NOUN
cana-4736	148	22	in	in	ADP
cana-4736	148	23	the	the	DET
cana-4736	148	24	context	context	NOUN
cana-4736	148	25	of	of	ADP
cana-4736	148	26	housing	housing	NOUN
cana-4736	148	27	affordability	affordability	NOUN
cana-4736	148	28	.	.	PUNCT
cana-4736	149	1	the	the	DET
cana-4736	149	2	issue	issue	NOUN
cana-4736	149	3	of	of	ADP
cana-4736	149	4	affordable	affordable	ADJ
cana-4736	149	5	rental	rental	ADJ
cana-4736	149	6	housing	housing	NOUN
cana-4736	149	7	in	in	ADP
cana-4736	149	8	slovakia	slovakia	PROPN
cana-4736	149	9	has	have	AUX
cana-4736	149	10	been	be	AUX
cana-4736	149	11	more	more	ADV
cana-4736	149	12	or	or	CCONJ
cana-4736	149	13	less	less	ADV
cana-4736	149	14	discussed	discuss	VERB
cana-4736	149	15	for	for	ADP
cana-4736	149	16	almost	almost	ADV
cana-4736	149	17	30	30	NUM
cana-4736	149	18	years	year	NOUN
cana-4736	149	19	,	,	PUNCT
cana-4736	149	20	when	when	SCONJ
cana-4736	149	21	after	after	ADP
cana-4736	149	22	1990	1990	NUM
cana-4736	149	23	there	there	PRON
cana-4736	149	24	were	be	VERB
cana-4736	149	25	significant	significant	ADJ
cana-4736	149	26	changes	change	NOUN
cana-4736	149	27	in	in	ADP
cana-4736	149	28	the	the	DET
cana-4736	149	29	ownership	ownership	NOUN
cana-4736	149	30	structure	structure	NOUN
cana-4736	149	31	of	of	ADP
cana-4736	149	32	apartments	apartment	NOUN
cana-4736	149	33	,	,	PUNCT
cana-4736	149	34	to	to	ADP
cana-4736	149	35	the	the	DET
cana-4736	149	36	detriment	detriment	NOUN
cana-4736	149	37	of	of	ADP
cana-4736	149	38	rental	rental	ADJ
cana-4736	149	39	housing	housing	NOUN
cana-4736	149	40	.	.	PUNCT
cana-4736	150	1	the	the	DET
cana-4736	150	2	housing	housing	NOUN
cana-4736	150	3	market	market	NOUN
cana-4736	150	4	was	be	AUX
cana-4736	150	5	not	not	PART
cana-4736	150	6	helped	help	VERB
cana-4736	150	7	by	by	ADP
cana-4736	150	8	the	the	DET
cana-4736	150	9	extensive	extensive	ADJ
cana-4736	150	10	(	(	PUNCT
cana-4736	150	11	and	and	CCONJ
cana-4736	150	12	inappropriate	inappropriate	ADJ
cana-4736	150	13	)	)	PUNCT
cana-4736	150	14	privatization	privatization	NOUN
cana-4736	150	15	of	of	ADP
cana-4736	150	16	the	the	DET
cana-4736	150	17	housing	housing	NOUN
cana-4736	150	18	stock	stock	NOUN
cana-4736	150	19	.	.	PUNCT
cana-4736	151	1	this	this	PRON
cana-4736	151	2	was	be	AUX
cana-4736	151	3	primarily	primarily	ADV
cana-4736	151	4	due	due	ADJ
cana-4736	151	5	to	to	ADP
cana-4736	151	6	the	the	DET
cana-4736	151	7	unpreparedness	unpreparedness	NOUN
cana-4736	151	8	for	for	ADP
cana-4736	151	9	market	market	NOUN
cana-4736	151	10	conditions	condition	NOUN
cana-4736	151	11	,	,	PUNCT
cana-4736	151	12	while	while	SCONJ
cana-4736	151	13	the	the	DET
cana-4736	151	14	state	state	NOUN
cana-4736	151	15	's	's	PART
cana-4736	151	16	unpreparedness	unpreparedness	NOUN
cana-4736	151	17	for	for	ADP
cana-4736	151	18	the	the	DET
cana-4736	151	19	privatization	privatization	NOUN
cana-4736	151	20	of	of	ADP
cana-4736	151	21	the	the	DET
cana-4736	151	22	housing	housing	NOUN
cana-4736	151	23	sector	sector	NOUN
cana-4736	151	24	caused	cause	VERB
cana-4736	151	25	a	a	DET
cana-4736	151	26	collapse	collapse	NOUN
cana-4736	151	27	,	,	PUNCT
cana-4736	151	28	the	the	DET
cana-4736	151	29	creation	creation	NOUN
cana-4736	151	30	of	of	ADP
cana-4736	151	31	regional	regional	ADJ
cana-4736	151	32	disparities	disparity	NOUN
cana-4736	151	33	and	and	CCONJ
cana-4736	151	34	a	a	DET
cana-4736	151	35	shortage	shortage	NOUN
cana-4736	151	36	of	of	ADP
cana-4736	151	37	rental	rental	ADJ
cana-4736	151	38	housing	housing	NOUN
cana-4736	151	39	.	.	PUNCT
cana-4736	152	1	in	in	ADP
cana-4736	152	2	total	total	NOUN
cana-4736	152	3	,	,	PUNCT
cana-4736	152	4	between	between	ADP
cana-4736	152	5	1992	1992	NUM
cana-4736	152	6	and	and	CCONJ
cana-4736	152	7	2006	2006	NUM
cana-4736	152	8	,	,	PUNCT
cana-4736	152	9	according	accord	VERB
cana-4736	152	10	to	to	ADP
cana-4736	152	11	the	the	DET
cana-4736	152	12	oecd	oecd	PROPN
cana-4736	152	13	,	,	PUNCT
cana-4736	152	14	approximately	approximately	ADV
cana-4736	152	15	340	340	NUM
cana-4736	152	16	thousand	thousand	NUM
cana-4736	152	17	municipal	municipal	ADJ
cana-4736	152	18	and	and	CCONJ
cana-4736	152	19	270	270	NUM
cana-4736	152	20	thousand	thousand	NUM
cana-4736	152	21	cooperative	cooperative	ADJ
cana-4736	152	22	apartments	apartment	NOUN
cana-4736	152	23	were	be	AUX
cana-4736	152	24	privatized	privatize	VERB
cana-4736	152	25	in	in	ADP
cana-4736	152	26	slovakia	slovakia	PROPN
cana-4736	152	27	.	.	PUNCT
cana-4736	153	1	housing	housing	NOUN
cana-4736	153	2	needs	need	VERB
cana-4736	153	3	to	to	PART
cana-4736	153	4	be	be	AUX
cana-4736	153	5	discussed	discuss	VERB
cana-4736	153	6	from	from	ADP
cana-4736	153	7	several	several	ADJ
cana-4736	153	8	perspectives	perspective	NOUN
cana-4736	153	9	,	,	PUNCT
cana-4736	153	10	such	such	ADJ
cana-4736	153	11	as	as	ADP
cana-4736	153	12	creating	create	VERB
cana-4736	153	13	conditions	condition	NOUN
cana-4736	153	14	for	for	ADP
cana-4736	153	15	improving	improve	VERB
cana-4736	153	16	the	the	DET
cana-4736	153	17	quality	quality	NOUN
cana-4736	153	18	of	of	ADP
cana-4736	153	19	life	life	NOUN
cana-4736	153	20	,	,	PUNCT
cana-4736	153	21	a	a	DET
cana-4736	153	22	significant	significant	ADJ
cana-4736	153	23	source	source	NOUN
cana-4736	153	24	of	of	ADP
cana-4736	153	25	employment	employment	NOUN
cana-4736	153	26	(	(	PUNCT
cana-4736	153	27	this	this	PRON
cana-4736	153	28	applies	apply	VERB
cana-4736	153	29	not	not	PART
cana-4736	153	30	only	only	ADV
cana-4736	153	31	to	to	ADP
cana-4736	153	32	the	the	DET
cana-4736	153	33	construction	construction	NOUN
cana-4736	153	34	,	,	PUNCT
cana-4736	153	35	maintenance	maintenance	NOUN
cana-4736	153	36	and	and	CCONJ
cana-4736	153	37	management	management	NOUN
cana-4736	153	38	of	of	ADP
cana-4736	153	39	apartments	apartment	NOUN
cana-4736	153	40	,	,	PUNCT
cana-4736	153	41	but	but	CCONJ
cana-4736	153	42	also	also	ADV
cana-4736	153	43	to	to	ADP
cana-4736	153	44	a	a	DET
cana-4736	153	45	wide	wide	ADJ
cana-4736	153	46	range	range	NOUN
cana-4736	153	47	of	of	ADP
cana-4736	153	48	services	service	NOUN
cana-4736	153	49	directly	directly	ADV
cana-4736	153	50	or	or	CCONJ
cana-4736	153	51	indirectly	indirectly	ADV
cana-4736	153	52	related	relate	VERB
cana-4736	153	53	to	to	ADP
cana-4736	153	54	housing	housing	NOUN
cana-4736	153	55	;	;	PUNCT
cana-4736	153	56	services	service	NOUN
cana-4736	153	57	for	for	ADP
cana-4736	153	58	households	household	NOUN
cana-4736	153	59	and	and	CCONJ
cana-4736	153	60	services	service	NOUN
cana-4736	153	61	provided	provide	VERB
cana-4736	153	62	within	within	ADP
cana-4736	153	63	the	the	DET
cana-4736	153	64	community	community	NOUN
cana-4736	153	65	linked	link	VERB
cana-4736	153	66	to	to	ADP
cana-4736	153	67	the	the	DET
cana-4736	153	68	residential	residential	ADJ
cana-4736	153	69	environment	environment	NOUN
cana-4736	153	70	are	be	AUX
cana-4736	153	71	a	a	DET
cana-4736	153	72	significant	significant	ADJ
cana-4736	153	73	source	source	NOUN
cana-4736	153	74	of	of	ADP
cana-4736	153	75	job	job	NOUN
cana-4736	153	76	opportunities	opportunity	NOUN
cana-4736	153	77	and	and	CCONJ
cana-4736	153	78	are	be	AUX
cana-4736	153	79	often	often	ADV
cana-4736	153	80	organized	organize	VERB
cana-4736	153	81	and	and	CCONJ
cana-4736	153	82	provided	provide	VERB
cana-4736	153	83	simultaneously	simultaneously	ADV
cana-4736	153	84	with	with	ADP
cana-4736	153	85	services	service	NOUN
cana-4736	153	86	directly	directly	ADV
cana-4736	153	87	related	relate	VERB
cana-4736	153	88	to	to	ADP
cana-4736	153	89	housing	housing	NOUN
cana-4736	153	90	)	)	PUNCT
cana-4736	153	91	,	,	PUNCT
cana-4736	153	92	housing	housing	NOUN
cana-4736	153	93	affordability	affordability	NOUN
cana-4736	153	94	,	,	PUNCT
cana-4736	153	95	etc	etc	X
cana-4736	153	96	.	.	X
cana-4736	154	1	[	[	X
cana-4736	154	2	18	18	NUM
cana-4736	154	3	]	]	PUNCT
cana-4736	154	4	.	.	PUNCT
cana-4736	155	1	however	however	ADV
cana-4736	155	2	,	,	PUNCT
cana-4736	155	3	affordability	affordability	NOUN
cana-4736	155	4	is	be	AUX
cana-4736	155	5	not	not	PART
cana-4736	155	6	only	only	ADV
cana-4736	155	7	a	a	DET
cana-4736	155	8	matter	matter	NOUN
cana-4736	155	9	of	of	ADP
cana-4736	155	10	housing	housing	NOUN
cana-4736	155	11	costs	cost	NOUN
cana-4736	155	12	.	.	PUNCT
cana-4736	156	1	well	well	ADV
cana-4736	156	2	-	-	PUNCT
cana-4736	156	3	located	locate	VERB
cana-4736	156	4	housing	housing	NOUN
cana-4736	156	5	can	can	AUX
cana-4736	156	6	save	save	VERB
cana-4736	156	7	a	a	DET
cana-4736	156	8	household	household	NOUN
cana-4736	156	9	significant	significant	ADJ
cana-4736	156	10	travel	travel	NOUN
cana-4736	156	11	costs	cost	NOUN
cana-4736	156	12	and	and	CCONJ
cana-4736	156	13	thus	thus	ADV
cana-4736	156	14	improve	improve	VERB
cana-4736	156	15	the	the	DET
cana-4736	156	16	overall	overall	ADJ
cana-4736	156	17	economy	economy	NOUN
cana-4736	156	18	of	of	ADP
cana-4736	156	19	the	the	DET
cana-4736	156	20	family	family	NOUN
cana-4736	156	21	.	.	PUNCT
cana-4736	157	1	low	low	ADJ
cana-4736	157	2	regional	regional	ADJ
cana-4736	157	3	mobility	mobility	NOUN
cana-4736	157	4	in	in	ADP
cana-4736	157	5	slovakia	slovakia	PROPN
cana-4736	157	6	is	be	AUX
cana-4736	157	7	one	one	NUM
cana-4736	157	8	of	of	ADP
cana-4736	157	9	the	the	DET
cana-4736	157	10	sources	source	NOUN
cana-4736	157	11	of	of	ADP
cana-4736	157	12	insufficient	insufficient	ADJ
cana-4736	157	13	utilization	utilization	NOUN
cana-4736	157	14	of	of	ADP
cana-4736	157	15	the	the	DET
cana-4736	157	16	workforce	workforce	NOUN
cana-4736	157	17	.	.	PUNCT
cana-4736	158	1	according	accord	VERB
cana-4736	158	2	to	to	ADP
cana-4736	158	3	the	the	DET
cana-4736	158	4	organization	organization	NOUN
cana-4736	158	5	for	for	ADP
cana-4736	158	6	economic	economic	ADJ
cana-4736	158	7	cooperation	cooperation	NOUN
cana-4736	158	8	and	and	CCONJ
cana-4736	158	9	development	development	NOUN
cana-4736	158	10	(	(	PUNCT
cana-4736	158	11	oecd	oecd	PROPN
cana-4736	158	12	)	)	PUNCT
cana-4736	158	13	,	,	PUNCT
cana-4736	158	14	slovaks	slovak	NOUN
cana-4736	158	15	move	move	VERB
cana-4736	158	16	for	for	ADP
cana-4736	158	17	work	work	NOUN
cana-4736	158	18	much	much	ADV
cana-4736	158	19	less	less	ADJ
cana-4736	158	20	than	than	ADP
cana-4736	158	21	in	in	ADP
cana-4736	158	22	neighboring	neighbor	VERB
cana-4736	158	23	eu	eu	PROPN
cana-4736	158	24	countries	country	NOUN
cana-4736	158	25	.	.	PUNCT
cana-4736	159	1	global	global	ADJ
cana-4736	159	2	experience	experience	NOUN
cana-4736	159	3	shows	show	VERB
cana-4736	159	4	that	that	SCONJ
cana-4736	159	5	the	the	DET
cana-4736	159	6	current	current	ADJ
cana-4736	159	7	market	market	NOUN
cana-4736	159	8	environment	environment	NOUN
cana-4736	159	9	does	do	AUX
cana-4736	159	10	not	not	PART
cana-4736	159	11	allow	allow	VERB
cana-4736	159	12	for	for	ADP
cana-4736	159	13	sufficient	sufficient	ADJ
cana-4736	159	14	flexibility	flexibility	NOUN
cana-4736	159	15	in	in	ADP
cana-4736	159	16	addressing	address	VERB
cana-4736	159	17	the	the	DET
cana-4736	159	18	housing	housing	NOUN
cana-4736	159	19	needs	need	NOUN
cana-4736	159	20	of	of	ADP
cana-4736	159	21	all	all	DET
cana-4736	159	22	population	population	NOUN
cana-4736	159	23	groups	group	NOUN
cana-4736	159	24	.	.	PUNCT
cana-4736	160	1	housing	housing	NOUN
cana-4736	160	2	policy	policy	NOUN
cana-4736	160	3	is	be	AUX
cana-4736	160	4	an	an	DET
cana-4736	160	5	important	important	ADJ
cana-4736	160	6	factor	factor	NOUN
cana-4736	160	7	that	that	PRON
cana-4736	160	8	contributes	contribute	VERB
cana-4736	160	9	not	not	PART
cana-4736	160	10	only	only	ADV
cana-4736	160	11	to	to	ADP
cana-4736	160	12	economic	economic	ADJ
cana-4736	160	13	growth	growth	NOUN
cana-4736	160	14	but	but	CCONJ
cana-4736	160	15	also	also	ADV
cana-4736	160	16	to	to	ADP
cana-4736	160	17	employment	employment	NOUN
cana-4736	160	18	growth	growth	NOUN
cana-4736	160	19	,	,	PUNCT
cana-4736	160	20	and	and	CCONJ
cana-4736	160	21	housing	housing	NOUN
cana-4736	160	22	construction	construction	NOUN
cana-4736	160	23	accounts	account	VERB
cana-4736	160	24	for	for	ADP
cana-4736	160	25	approximately	approximately	ADV
cana-4736	160	26	one	one	NUM
cana-4736	160	27	quarter	quarter	NOUN
cana-4736	160	28	of	of	ADP
cana-4736	160	29	all	all	DET
cana-4736	160	30	investments	investment	NOUN
cana-4736	160	31	in	in	ADP
cana-4736	160	32	each	each	DET
cana-4736	160	33	european	european	PROPN
cana-4736	160	34	union	union	PROPN
cana-4736	160	35	country	country	NOUN
cana-4736	160	36	.	.	PUNCT
cana-4736	161	1	housing	housing	NOUN
cana-4736	161	2	construction	construction	NOUN
cana-4736	161	3	thus	thus	ADV
cana-4736	161	4	plays	play	VERB
cana-4736	161	5	the	the	DET
cana-4736	161	6	role	role	NOUN
cana-4736	161	7	of	of	ADP
cana-4736	161	8	a	a	DET
cana-4736	161	9	multiplier	multiplier	NOUN
cana-4736	161	10	and	and	CCONJ
cana-4736	161	11	accelerates	accelerate	VERB
cana-4736	161	12	the	the	DET
cana-4736	161	13	economic	economic	ADJ
cana-4736	161	14	recovery	recovery	NOUN
cana-4736	161	15	phase	phase	NOUN
cana-4736	161	16	in	in	ADP
cana-4736	161	17	the	the	DET
cana-4736	161	18	long	long	ADJ
cana-4736	161	19	-	-	PUNCT
cana-4736	161	20	term	term	NOUN
cana-4736	161	21	reproduction	reproduction	NOUN
cana-4736	161	22	cycle	cycle	NOUN
cana-4736	161	23	.	.	PUNCT
cana-4736	162	1	it	it	PRON
cana-4736	162	2	is	be	AUX
cana-4736	162	3	necessary	necessary	ADJ
cana-4736	162	4	to	to	PART
cana-4736	162	5	realize	realize	VERB
cana-4736	162	6	that	that	SCONJ
cana-4736	162	7	at	at	ADP
cana-4736	162	8	the	the	DET
cana-4736	162	9	beginning	beginning	NOUN
cana-4736	162	10	of	of	ADP
cana-4736	162	11	2020	2020	NUM
cana-4736	162	12	the	the	DET
cana-4736	162	13	pandemic	pandemic	ADJ
cana-4736	162	14	situation	situation	NOUN
cana-4736	162	15	began	begin	VERB
cana-4736	162	16	to	to	PART
cana-4736	162	17	significantly	significantly	ADV
cana-4736	162	18	affect	affect	VERB
cana-4736	162	19	the	the	DET
cana-4736	162	20	economies	economy	NOUN
cana-4736	162	21	of	of	ADP
cana-4736	162	22	all	all	DET
cana-4736	162	23	countries	country	NOUN
cana-4736	162	24	.	.	PUNCT
cana-4736	163	1	it	it	PRON
cana-4736	163	2	can	can	AUX
cana-4736	163	3	be	be	AUX
cana-4736	163	4	assumed	assume	VERB
cana-4736	163	5	that	that	SCONJ
cana-4736	163	6	also	also	ADV
cana-4736	163	7	as	as	ADP
cana-4736	163	8	a	a	DET
cana-4736	163	9	result	result	NOUN
cana-4736	163	10	of	of	ADP
cana-4736	163	11	this	this	DET
cana-4736	163	12	negative	negative	ADJ
cana-4736	163	13	situation	situation	NOUN
cana-4736	163	14	,	,	PUNCT
cana-4736	163	15	those	those	PRON
cana-4736	163	16	who	who	PRON
cana-4736	163	17	currently	currently	ADV
cana-4736	163	18	finance	finance	VERB
cana-4736	163	19	their	their	PRON
cana-4736	163	20	housing	housing	NOUN
cana-4736	163	21	through	through	ADP
cana-4736	163	22	mortgage	mortgage	NOUN
cana-4736	163	23	loans	loan	NOUN
cana-4736	163	24	and	and	CCONJ
cana-4736	163	25	other	other	ADJ
cana-4736	163	26	communications	communication	NOUN
cana-4736	163	27	on	on	ADP
cana-4736	163	28	applied	apply	VERB
cana-4736	163	29	nonlinear	nonlinear	ADJ
cana-4736	163	30	analysis	analysis	NOUN
cana-4736	163	31	issn	issn	NOUN
cana-4736	163	32	:	:	PUNCT
cana-4736	163	33	1074	1074	NUM
cana-4736	163	34	-	-	PUNCT
cana-4736	163	35	133x	133x	NUM
cana-4736	163	36	vol	vol	VERB
cana-4736	163	37	32	32	NUM
cana-4736	163	38	no	no	NOUN
cana-4736	163	39	.	.	PUNCT
cana-4736	164	1	10s	10	NOUN
cana-4736	164	2	(	(	PUNCT
cana-4736	164	3	2025	2025	NUM
cana-4736	164	4	)	)	PUNCT
cana-4736	164	5	275	275	NUM
cana-4736	164	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	164	7	housing	housing	NOUN
cana-4736	164	8	loans	loan	NOUN
cana-4736	164	9	will	will	AUX
cana-4736	164	10	no	no	ADV
cana-4736	164	11	longer	long	ADV
cana-4736	164	12	be	be	AUX
cana-4736	164	13	able	able	ADJ
cana-4736	164	14	to	to	PART
cana-4736	164	15	repay	repay	VERB
cana-4736	164	16	them	they	PRON
cana-4736	164	17	.	.	PUNCT
cana-4736	165	1	it	it	PRON
cana-4736	165	2	is	be	AUX
cana-4736	165	3	also	also	ADV
cana-4736	165	4	necessary	necessary	ADJ
cana-4736	165	5	to	to	PART
cana-4736	165	6	emphasize	emphasize	VERB
cana-4736	165	7	that	that	SCONJ
cana-4736	165	8	within	within	ADP
cana-4736	165	9	a	a	DET
cana-4736	165	10	few	few	ADJ
cana-4736	165	11	years	year	NOUN
cana-4736	165	12	a	a	DET
cana-4736	165	13	new	new	ADJ
cana-4736	165	14	group	group	NOUN
cana-4736	165	15	of	of	ADP
cana-4736	165	16	people	people	NOUN
cana-4736	165	17	will	will	AUX
cana-4736	165	18	emerge	emerge	VERB
cana-4736	165	19	who	who	PRON
cana-4736	165	20	will	will	AUX
cana-4736	165	21	have	have	VERB
cana-4736	165	22	problems	problem	NOUN
cana-4736	165	23	with	with	ADP
cana-4736	165	24	the	the	DET
cana-4736	165	25	availability	availability	NOUN
cana-4736	165	26	of	of	ADP
cana-4736	165	27	housing	housing	NOUN
cana-4736	165	28	not	not	PART
cana-4736	165	29	only	only	ADV
cana-4736	165	30	due	due	ADJ
cana-4736	165	31	to	to	ADP
cana-4736	165	32	obtaining	obtain	VERB
cana-4736	165	33	a	a	DET
cana-4736	165	34	mortgage	mortgage	NOUN
cana-4736	165	35	loan	loan	NOUN
cana-4736	165	36	and	and	CCONJ
cana-4736	165	37	subsequent	subsequent	ADJ
cana-4736	165	38	repayment	repayment	NOUN
cana-4736	165	39	,	,	PUNCT
cana-4736	165	40	but	but	CCONJ
cana-4736	165	41	also	also	ADV
cana-4736	165	42	due	due	ADP
cana-4736	165	43	to	to	ADP
cana-4736	165	44	the	the	DET
cana-4736	165	45	relatively	relatively	ADV
cana-4736	165	46	high	high	ADJ
cana-4736	165	47	rent	rent	NOUN
cana-4736	165	48	in	in	ADP
cana-4736	165	49	larger	large	ADJ
cana-4736	165	50	cities	city	NOUN
cana-4736	165	51	.	.	PUNCT
cana-4736	166	1	the	the	DET
cana-4736	166	2	availability	availability	NOUN
cana-4736	166	3	of	of	ADP
cana-4736	166	4	housing	housing	NOUN
cana-4736	166	5	in	in	ADP
cana-4736	166	6	the	the	DET
cana-4736	166	7	slovak	slovak	ADJ
cana-4736	166	8	republic	republic	NOUN
cana-4736	166	9	is	be	AUX
cana-4736	166	10	poor	poor	ADJ
cana-4736	166	11	.	.	PUNCT
cana-4736	167	1	this	this	PRON
cana-4736	167	2	is	be	AUX
cana-4736	167	3	primarily	primarily	ADV
cana-4736	167	4	due	due	ADJ
cana-4736	167	5	to	to	ADP
cana-4736	167	6	the	the	DET
cana-4736	167	7	low	low	ADJ
cana-4736	167	8	physical	physical	ADJ
cana-4736	167	9	availability	availability	NOUN
cana-4736	167	10	of	of	ADP
cana-4736	167	11	rental	rental	ADJ
cana-4736	167	12	housing	housing	NOUN
cana-4736	167	13	with	with	ADP
cana-4736	167	14	regulated	regulated	ADJ
cana-4736	167	15	rents	rent	NOUN
cana-4736	167	16	and	and	CCONJ
cana-4736	167	17	the	the	DET
cana-4736	167	18	lack	lack	NOUN
cana-4736	167	19	of	of	ADP
cana-4736	167	20	housing	housing	NOUN
cana-4736	167	21	with	with	ADP
cana-4736	167	22	market	market	NOUN
cana-4736	167	23	rents	rent	NOUN
cana-4736	167	24	.	.	PUNCT
cana-4736	168	1	the	the	DET
cana-4736	168	2	housing	housing	NOUN
cana-4736	168	3	problem	problem	NOUN
cana-4736	168	4	no	no	ADV
cana-4736	168	5	longer	long	ADV
cana-4736	168	6	affects	affect	VERB
cana-4736	168	7	only	only	ADV
cana-4736	168	8	the	the	DET
cana-4736	168	9	socially	socially	ADV
cana-4736	168	10	disadvantaged	disadvantaged	ADJ
cana-4736	168	11	,	,	PUNCT
cana-4736	168	12	but	but	CCONJ
cana-4736	168	13	also	also	ADV
cana-4736	168	14	middle	middle	ADJ
cana-4736	168	15	-	-	PUNCT
cana-4736	168	16	income	income	NOUN
cana-4736	168	17	groups	group	NOUN
cana-4736	168	18	.	.	PUNCT
cana-4736	169	1	the	the	DET
cana-4736	169	2	pandemic	pandemic	NOUN
cana-4736	169	3	has	have	AUX
cana-4736	169	4	brought	bring	VERB
cana-4736	169	5	significant	significant	ADJ
cana-4736	169	6	economic	economic	ADJ
cana-4736	169	7	damage	damage	NOUN
cana-4736	169	8	on	on	ADP
cana-4736	169	9	the	the	DET
cana-4736	169	10	one	one	NUM
cana-4736	169	11	hand	hand	NOUN
cana-4736	169	12	,	,	PUNCT
cana-4736	169	13	but	but	CCONJ
cana-4736	169	14	on	on	ADP
cana-4736	169	15	the	the	DET
cana-4736	169	16	other	other	ADJ
cana-4736	169	17	hand	hand	NOUN
cana-4736	169	18	,	,	PUNCT
cana-4736	169	19	residential	residential	ADJ
cana-4736	169	20	real	real	ADJ
cana-4736	169	21	estate	estate	NOUN
cana-4736	169	22	is	be	AUX
cana-4736	169	23	becoming	become	VERB
cana-4736	169	24	increasingly	increasingly	ADV
cana-4736	169	25	expensive	expensive	ADJ
cana-4736	169	26	.	.	PUNCT
cana-4736	170	1	the	the	DET
cana-4736	170	2	availability	availability	NOUN
cana-4736	170	3	of	of	ADP
cana-4736	170	4	new	new	ADJ
cana-4736	170	5	housing	housing	NOUN
cana-4736	170	6	in	in	ADP
cana-4736	170	7	the	the	DET
cana-4736	170	8	slovak	slovak	ADJ
cana-4736	170	9	republic	republic	NOUN
cana-4736	170	10	was	be	AUX
cana-4736	170	11	the	the	DET
cana-4736	170	12	third	third	ADJ
cana-4736	170	13	worst	bad	ADJ
cana-4736	170	14	in	in	ADP
cana-4736	170	15	2020	2020	NUM
cana-4736	170	16	,	,	PUNCT
cana-4736	170	17	compared	compare	VERB
cana-4736	170	18	to	to	ADP
cana-4736	170	19	22	22	NUM
cana-4736	170	20	european	european	ADJ
cana-4736	170	21	countries	country	NOUN
cana-4736	170	22	,	,	PUNCT
cana-4736	170	23	after	after	ADP
cana-4736	170	24	the	the	DET
cana-4736	170	25	czech	czech	PROPN
cana-4736	170	26	republic	republic	NOUN
cana-4736	170	27	[	[	X
cana-4736	170	28	15	15	NUM
cana-4736	170	29	]	]	PUNCT
cana-4736	170	30	.	.	PUNCT
cana-4736	171	1	however	however	ADV
cana-4736	171	2	,	,	PUNCT
cana-4736	171	3	it	it	PRON
cana-4736	171	4	should	should	AUX
cana-4736	171	5	be	be	AUX
cana-4736	171	6	emphasized	emphasize	VERB
cana-4736	171	7	that	that	SCONJ
cana-4736	171	8	the	the	DET
cana-4736	171	9	luxury	luxury	NOUN
cana-4736	171	10	real	real	ADJ
cana-4736	171	11	estate	estate	NOUN
cana-4736	171	12	market	market	NOUN
cana-4736	171	13	has	have	AUX
cana-4736	171	14	slowly	slowly	ADV
cana-4736	171	15	become	become	VERB
cana-4736	171	16	saturated	saturate	VERB
cana-4736	171	17	,	,	PUNCT
cana-4736	171	18	but	but	CCONJ
cana-4736	171	19	the	the	DET
cana-4736	171	20	alarming	alarming	ADJ
cana-4736	171	21	shortage	shortage	NOUN
cana-4736	171	22	of	of	ADP
cana-4736	171	23	apartments	apartment	NOUN
cana-4736	171	24	for	for	ADP
cana-4736	171	25	the	the	DET
cana-4736	171	26	middle	middle	ADJ
cana-4736	171	27	-	-	PUNCT
cana-4736	171	28	income	income	NOUN
cana-4736	171	29	class	class	NOUN
cana-4736	171	30	and	and	CCONJ
cana-4736	171	31	young	young	ADJ
cana-4736	171	32	families	family	NOUN
cana-4736	171	33	has	have	AUX
cana-4736	171	34	been	be	AUX
cana-4736	171	35	forgotten	forget	VERB
cana-4736	171	36	.	.	PUNCT
cana-4736	172	1	the	the	DET
cana-4736	172	2	lack	lack	NOUN
cana-4736	172	3	of	of	ADP
cana-4736	172	4	rental	rental	ADJ
cana-4736	172	5	apartments	apartment	NOUN
cana-4736	172	6	in	in	ADP
cana-4736	172	7	both	both	CCONJ
cana-4736	172	8	the	the	DET
cana-4736	172	9	private	private	ADJ
cana-4736	172	10	and	and	CCONJ
cana-4736	172	11	public	public	ADJ
cana-4736	172	12	sectors	sector	NOUN
cana-4736	172	13	is	be	AUX
cana-4736	172	14	an	an	DET
cana-4736	172	15	obstacle	obstacle	NOUN
cana-4736	172	16	to	to	ADP
cana-4736	172	17	the	the	DET
cana-4736	172	18	geographical	geographical	ADJ
cana-4736	172	19	mobility	mobility	NOUN
cana-4736	172	20	of	of	ADP
cana-4736	172	21	the	the	DET
cana-4736	172	22	workforce	workforce	NOUN
cana-4736	172	23	.	.	PUNCT
cana-4736	173	1	the	the	DET
cana-4736	173	2	current	current	ADJ
cana-4736	173	3	reality	reality	NOUN
cana-4736	173	4	is	be	AUX
cana-4736	173	5	also	also	ADV
cana-4736	173	6	that	that	SCONJ
cana-4736	173	7	2022	2022	NUM
cana-4736	173	8	was	be	AUX
cana-4736	173	9	affected	affect	VERB
cana-4736	173	10	by	by	ADP
cana-4736	173	11	several	several	ADJ
cana-4736	173	12	socio	socio	NOUN
cana-4736	173	13	-	-	PUNCT
cana-4736	173	14	economic	economic	ADJ
cana-4736	173	15	and	and	CCONJ
cana-4736	173	16	political	political	ADJ
cana-4736	173	17	problems	problem	NOUN
cana-4736	173	18	,	,	PUNCT
cana-4736	173	19	of	of	ADP
cana-4736	173	20	which	which	PRON
cana-4736	173	21	the	the	DET
cana-4736	173	22	growth	growth	NOUN
cana-4736	173	23	of	of	ADP
cana-4736	173	24	inflation	inflation	NOUN
cana-4736	173	25	and	and	CCONJ
cana-4736	173	26	the	the	DET
cana-4736	173	27	associated	associated	ADJ
cana-4736	173	28	price	price	NOUN
cana-4736	173	29	increase	increase	NOUN
cana-4736	173	30	,	,	PUNCT
cana-4736	173	31	as	as	ADV
cana-4736	173	32	well	well	ADV
cana-4736	173	33	as	as	ADP
cana-4736	173	34	the	the	DET
cana-4736	173	35	continued	continue	VERB
cana-4736	173	36	increase	increase	NOUN
cana-4736	173	37	in	in	ADP
cana-4736	173	38	interest	interest	NOUN
cana-4736	173	39	rates	rate	NOUN
cana-4736	173	40	on	on	ADP
cana-4736	173	41	housing	housing	NOUN
cana-4736	173	42	loans	loan	NOUN
cana-4736	173	43	,	,	PUNCT
cana-4736	173	44	have	have	VERB
cana-4736	173	45	a	a	DET
cana-4736	173	46	significant	significant	ADJ
cana-4736	173	47	impact	impact	NOUN
cana-4736	173	48	on	on	ADP
cana-4736	173	49	the	the	DET
cana-4736	173	50	development	development	NOUN
cana-4736	173	51	of	of	ADP
cana-4736	173	52	residential	residential	ADJ
cana-4736	173	53	real	real	ADJ
cana-4736	173	54	estate	estate	NOUN
cana-4736	173	55	construction	construction	NOUN
cana-4736	173	56	in	in	ADP
cana-4736	173	57	the	the	DET
cana-4736	173	58	coming	come	VERB
cana-4736	173	59	years	year	NOUN
cana-4736	173	60	.	.	PUNCT
cana-4736	174	1	the	the	DET
cana-4736	174	2	reaction	reaction	NOUN
cana-4736	174	3	to	to	ADP
cana-4736	174	4	the	the	DET
cana-4736	174	5	above	above	ADV
cana-4736	174	6	-	-	PUNCT
cana-4736	174	7	mentioned	mention	VERB
cana-4736	174	8	negative	negative	ADJ
cana-4736	174	9	situation	situation	NOUN
cana-4736	174	10	was	be	AUX
cana-4736	174	11	the	the	DET
cana-4736	174	12	approval	approval	NOUN
cana-4736	174	13	of	of	ADP
cana-4736	174	14	new	new	ADJ
cana-4736	174	15	rules	rule	NOUN
cana-4736	174	16	for	for	ADP
cana-4736	174	17	early	early	ADJ
cana-4736	174	18	repayment	repayment	NOUN
cana-4736	174	19	of	of	ADP
cana-4736	174	20	mortgage	mortgage	NOUN
cana-4736	174	21	loans	loan	NOUN
cana-4736	174	22	,	,	PUNCT
cana-4736	174	23	which	which	PRON
cana-4736	174	24	from	from	ADP
cana-4736	174	25	september	september	PROPN
cana-4736	174	26	2023	2023	NUM
cana-4736	174	27	will	will	AUX
cana-4736	174	28	allow	allow	VERB
cana-4736	174	29	early	early	ADJ
cana-4736	174	30	repayments	repayment	NOUN
cana-4736	174	31	once	once	ADV
cana-4736	174	32	a	a	DET
cana-4736	174	33	month	month	NOUN
cana-4736	174	34	,	,	PUNCT
cana-4736	174	35	while	while	SCONJ
cana-4736	174	36	they	they	PRON
cana-4736	174	37	can	can	AUX
cana-4736	174	38	total	total	VERB
cana-4736	174	39	up	up	ADP
cana-4736	174	40	to	to	PART
cana-4736	174	41	30	30	NUM
cana-4736	174	42	%	%	NOUN
cana-4736	174	43	of	of	ADP
cana-4736	174	44	the	the	DET
cana-4736	174	45	loan	loan	NOUN
cana-4736	174	46	principal	principal	NOUN
cana-4736	174	47	for	for	ADP
cana-4736	174	48	the	the	DET
cana-4736	174	49	entire	entire	ADJ
cana-4736	174	50	year	year	NOUN
cana-4736	174	51	(	(	PUNCT
cana-4736	174	52	previously	previously	ADV
cana-4736	174	53	,	,	PUNCT
cana-4736	174	54	it	it	PRON
cana-4736	174	55	was	be	AUX
cana-4736	174	56	possible	possible	ADJ
cana-4736	174	57	to	to	PART
cana-4736	174	58	repay	repay	VERB
cana-4736	174	59	20	20	NUM
cana-4736	174	60	%	%	NOUN
cana-4736	174	61	of	of	ADP
cana-4736	174	62	the	the	DET
cana-4736	174	63	principal	principal	NOUN
cana-4736	174	64	of	of	ADP
cana-4736	174	65	a	a	DET
cana-4736	174	66	housing	housing	NOUN
cana-4736	174	67	loan	loan	NOUN
cana-4736	174	68	once	once	ADV
cana-4736	174	69	a	a	DET
cana-4736	174	70	year	year	NOUN
cana-4736	174	71	,	,	PUNCT
cana-4736	174	72	one	one	NUM
cana-4736	174	73	month	month	NOUN
cana-4736	174	74	before	before	ADP
cana-4736	174	75	the	the	DET
cana-4736	174	76	anniversary	anniversary	NOUN
cana-4736	174	77	of	of	ADP
cana-4736	174	78	the	the	DET
cana-4736	174	79	contract	contract	NOUN
cana-4736	174	80	,	,	PUNCT
cana-4736	174	81	free	free	ADJ
cana-4736	174	82	of	of	ADP
cana-4736	174	83	charge	charge	NOUN
cana-4736	174	84	)	)	PUNCT
cana-4736	174	85	.	.	PUNCT
cana-4736	175	1	however	however	ADV
cana-4736	175	2	,	,	PUNCT
cana-4736	175	3	the	the	DET
cana-4736	175	4	question	question	NOUN
cana-4736	175	5	remains	remain	VERB
cana-4736	175	6	,	,	PUNCT
cana-4736	175	7	"	"	PUNCT
cana-4736	175	8	how	how	SCONJ
cana-4736	175	9	many	many	ADJ
cana-4736	175	10	borrowers	borrower	NOUN
cana-4736	175	11	will	will	AUX
cana-4736	175	12	these	these	DET
cana-4736	175	13	new	new	ADJ
cana-4736	175	14	options	option	NOUN
cana-4736	175	15	affect	affect	VERB
cana-4736	175	16	in	in	ADP
cana-4736	175	17	practice	practice	NOUN
cana-4736	175	18	and	and	CCONJ
cana-4736	175	19	what	what	DET
cana-4736	175	20	potential	potential	ADJ
cana-4736	175	21	risks	risk	NOUN
cana-4736	175	22	may	may	AUX
cana-4736	175	23	arise	arise	VERB
cana-4736	175	24	?	?	PUNCT
cana-4736	175	25	"	"	PUNCT
cana-4736	176	1	in	in	ADP
cana-4736	176	2	conclusion	conclusion	NOUN
cana-4736	176	3	,	,	PUNCT
cana-4736	176	4	it	it	PRON
cana-4736	176	5	can	can	AUX
cana-4736	176	6	be	be	AUX
cana-4736	176	7	stated	state	VERB
cana-4736	176	8	that	that	SCONJ
cana-4736	176	9	if	if	SCONJ
cana-4736	176	10	the	the	DET
cana-4736	176	11	development	development	NOUN
cana-4736	176	12	of	of	ADP
cana-4736	176	13	affordable	affordable	ADJ
cana-4736	176	14	rental	rental	ADJ
cana-4736	176	15	housing	housing	NOUN
cana-4736	176	16	in	in	ADP
cana-4736	176	17	the	the	DET
cana-4736	176	18	slovak	slovak	ADJ
cana-4736	176	19	republic	republic	NOUN
cana-4736	176	20	continues	continue	VERB
cana-4736	176	21	to	to	PART
cana-4736	176	22	stagnate	stagnate	VERB
cana-4736	176	23	,	,	PUNCT
cana-4736	176	24	the	the	DET
cana-4736	176	25	question	question	NOUN
cana-4736	176	26	of	of	ADP
cana-4736	176	27	the	the	DET
cana-4736	176	28	near	near	ADJ
cana-4736	176	29	future	future	NOUN
cana-4736	176	30	will	will	AUX
cana-4736	176	31	be	be	AUX
cana-4736	176	32	,	,	PUNCT
cana-4736	176	33	"	"	PUNCT
cana-4736	176	34	how	how	SCONJ
cana-4736	176	35	to	to	PART
cana-4736	176	36	ensure	ensure	VERB
cana-4736	176	37	affordable	affordable	ADJ
cana-4736	176	38	housing	housing	NOUN
cana-4736	176	39	for	for	ADP
cana-4736	176	40	those	those	DET
cana-4736	176	41	residents	resident	NOUN
cana-4736	176	42	who	who	PRON
cana-4736	176	43	are	be	AUX
cana-4736	176	44	unable	unable	ADJ
cana-4736	176	45	or	or	CCONJ
cana-4736	176	46	will	will	AUX
cana-4736	176	47	not	not	PART
cana-4736	176	48	be	be	AUX
cana-4736	176	49	able	able	ADJ
cana-4736	176	50	to	to	PART
cana-4736	176	51	secure	secure	VERB
cana-4736	176	52	housing	housing	NOUN
cana-4736	176	53	from	from	ADP
cana-4736	176	54	their	their	PRON
cana-4736	176	55	own	own	ADJ
cana-4736	176	56	resources	resource	NOUN
cana-4736	176	57	and	and	CCONJ
cana-4736	176	58	will	will	AUX
cana-4736	176	59	cease	cease	VERB
cana-4736	176	60	to	to	PART
cana-4736	176	61	be	be	AUX
cana-4736	176	62	able	able	ADJ
cana-4736	176	63	to	to	PART
cana-4736	176	64	repay	repay	VERB
cana-4736	176	65	them	they	PRON
cana-4736	176	66	and	and	CCONJ
cana-4736	176	67	lose	lose	VERB
cana-4736	176	68	their	their	PRON
cana-4736	176	69	current	current	ADJ
cana-4736	176	70	housing	housing	NOUN
cana-4736	176	71	?	?	PUNCT
cana-4736	176	72	"	"	PUNCT
cana-4736	176	73	acknowledgements	acknowledgement	VERB
cana-4736	176	74	the	the	DET
cana-4736	176	75	contribution	contribution	NOUN
cana-4736	176	76	is	be	AUX
cana-4736	176	77	a	a	DET
cana-4736	176	78	partial	partial	ADJ
cana-4736	176	79	output	output	NOUN
cana-4736	176	80	of	of	ADP
cana-4736	176	81	the	the	DET
cana-4736	176	82	kega	kega	PROPN
cana-4736	176	83	research	research	PROPN
cana-4736	176	84	task	task	PROPN
cana-4736	176	85	no	no	INTJ
cana-4736	176	86	.	.	PUNCT
cana-4736	177	1	018stu-4/2023	018stu-4/2023	NOUN
cana-4736	177	2	"	"	PUNCT
cana-4736	177	3	preparation	preparation	NOUN
cana-4736	177	4	of	of	ADP
cana-4736	177	5	the	the	DET
cana-4736	177	6	study	study	NOUN
cana-4736	177	7	program	program	NOUN
cana-4736	177	8	real	real	ADJ
cana-4736	177	9	estate	estate	NOUN
cana-4736	177	10	engineering	engineering	NOUN
cana-4736	177	11	"	"	PUNCT
cana-4736	177	12	conducted	conduct	VERB
cana-4736	177	13	at	at	ADP
cana-4736	177	14	the	the	DET
cana-4736	177	15	institute	institute	PROPN
cana-4736	177	16	of	of	ADP
cana-4736	177	17	management	management	NOUN
cana-4736	177	18	of	of	ADP
cana-4736	177	19	the	the	DET
cana-4736	177	20	stu	stu	PROPN
cana-4736	177	21	in	in	ADP
cana-4736	177	22	bratislava	bratislava	PROPN
cana-4736	177	23	.	.	PUNCT
cana-4736	178	1	this	this	DET
cana-4736	178	2	contribution	contribution	NOUN
cana-4736	178	3	is	be	AUX
cana-4736	178	4	also	also	ADV
cana-4736	178	5	supported	support	VERB
cana-4736	178	6	from	from	ADP
cana-4736	178	7	the	the	DET
cana-4736	178	8	vega	vega	PROPN
cana-4736	178	9	project	project	NOUN
cana-4736	178	10	no	no	NOUN
cana-4736	178	11	.	.	PUNCT
cana-4736	179	1	1/0471/24	1/0471/24	NUM
cana-4736	179	2	"	"	PUNCT
cana-4736	179	3	turbulence	turbulence	NOUN
cana-4736	179	4	in	in	ADP
cana-4736	179	5	the	the	DET
cana-4736	179	6	real	real	ADJ
cana-4736	179	7	estate	estate	NOUN
cana-4736	179	8	market	market	NOUN
cana-4736	179	9	as	as	ADP
cana-4736	179	10	a	a	DET
cana-4736	179	11	result	result	NOUN
cana-4736	179	12	of	of	ADP
cana-4736	179	13	the	the	DET
cana-4736	179	14	current	current	ADJ
cana-4736	179	15	crisis	crisis	NOUN
cana-4736	179	16	and	and	CCONJ
cana-4736	179	17	their	their	PRON
cana-4736	179	18	economic	economic	ADJ
cana-4736	179	19	impact	impact	NOUN
cana-4736	179	20	communications	communication	NOUN
cana-4736	179	21	on	on	ADP
cana-4736	179	22	applied	apply	VERB
cana-4736	179	23	nonlinear	nonlinear	ADJ
cana-4736	179	24	analysis	analysis	NOUN
cana-4736	179	25	issn	issn	NOUN
cana-4736	179	26	:	:	PUNCT
cana-4736	179	27	1074	1074	NUM
cana-4736	179	28	-	-	PUNCT
cana-4736	179	29	133x	133x	NUM
cana-4736	179	30	vol	vol	VERB
cana-4736	179	31	32	32	NUM
cana-4736	179	32	no	no	NOUN
cana-4736	179	33	.	.	PUNCT
cana-4736	180	1	10s	10	NOUN
cana-4736	180	2	(	(	PUNCT
cana-4736	180	3	2025	2025	NUM
cana-4736	180	4	)	)	PUNCT
cana-4736	180	5	276	276	NUM
cana-4736	180	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	180	7	on	on	ADP
cana-4736	180	8	households	household	NOUN
cana-4736	180	9	in	in	ADP
cana-4736	180	10	the	the	DET
cana-4736	180	11	slovak	slovak	ADJ
cana-4736	180	12	republic	republic	NOUN
cana-4736	180	13	"	"	PUNCT
cana-4736	180	14	.	.	PUNCT
cana-4736	181	1	references	reference	NOUN
cana-4736	181	2	[	[	X
cana-4736	181	3	1	1	NUM
cana-4736	181	4	]	]	PUNCT
cana-4736	181	5	.	.	PUNCT
cana-4736	182	1	d.	d.	PROPN
cana-4736	182	2	spirkova	spirkova	PROPN
cana-4736	182	3	,	,	PUNCT
cana-4736	182	4	k.	k.	PROPN
cana-4736	182	5	ivanicka	ivanicka	PROPN
cana-4736	182	6	,	,	PUNCT
cana-4736	182	7	m.	m.	NOUN
cana-4736	182	8	finka	finka	PROPN
cana-4736	182	9	.	.	PROPN
cana-4736	182	10	,	,	PUNCT
cana-4736	182	11	2009	2009	NUM
cana-4736	182	12	,	,	PUNCT
cana-4736	182	13	housing	housing	NOUN
cana-4736	182	14	and	and	CCONJ
cana-4736	182	15	housing	housing	NOUN
cana-4736	182	16	policy	policy	NOUN
cana-4736	182	17	.	.	PUNCT
cana-4736	183	1	development	development	NOUN
cana-4736	183	2	,	,	PUNCT
cana-4736	183	3	determinants	determinant	NOUN
cana-4736	183	4	of	of	ADP
cana-4736	183	5	housing	housing	NOUN
cana-4736	183	6	development	development	NOUN
cana-4736	183	7	and	and	CCONJ
cana-4736	183	8	new	new	ADJ
cana-4736	183	9	approaches	approach	NOUN
cana-4736	183	10	in	in	ADP
cana-4736	183	11	rental	rental	ADJ
cana-4736	183	12	housing	housing	NOUN
cana-4736	183	13	policy	policy	NOUN
cana-4736	183	14	in	in	ADP
cana-4736	183	15	slovakia	slovakia	PROPN
cana-4736	183	16	(	(	PUNCT
cana-4736	183	17	bývanie	bývanie	VERB
cana-4736	183	18	a	a	DET
cana-4736	183	19	bytová	bytová	NOUN
cana-4736	183	20	politika	politika	NOUN
cana-4736	183	21	.	.	PUNCT
cana-4736	184	1	vývoj	vývoj	PROPN
cana-4736	184	2	,	,	PUNCT
cana-4736	184	3	determinanty	determinanty	NOUN
cana-4736	184	4	rozvoja	rozvoja	NOUN
cana-4736	184	5	bývania	bývania	NOUN
cana-4736	184	6	a	a	DET
cana-4736	184	7	nové	nové	PROPN
cana-4736	184	8	prístupy	prístupy	NOUN
cana-4736	184	9	v	v	ADP
cana-4736	184	10	nájomnej	nájomnej	NOUN
cana-4736	184	11	bytovej	bytovej	PROPN
cana-4736	184	12	politike	politike	PROPN
cana-4736	184	13	na	na	X
cana-4736	184	14	slovensku	slovensku	NOUN
cana-4736	184	15	)	)	PUNCT
cana-4736	184	16	.	.	PUNCT
cana-4736	185	1	stu	stu	PROPN
cana-4736	185	2	bratislava	bratislava	PROPN
cana-4736	185	3	.	.	PUNCT
cana-4736	185	4	2009	2009	NUM
cana-4736	185	5	.	.	PUNCT
cana-4736	186	1	isbn	isbn	PROPN
cana-4736	186	2	9788022731737	9788022731737	NUM
cana-4736	186	3	.	.	PUNCT
cana-4736	187	1	[	[	X
cana-4736	187	2	2	2	NUM
cana-4736	187	3	]	]	PUNCT
cana-4736	187	4	.	.	PUNCT
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cana-4736	191	7	.	.	PUNCT
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cana-4736	193	3	]	]	PUNCT
cana-4736	193	4	.	.	PUNCT
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cana-4736	194	26	-	-	SYM
cana-4736	194	27	2021	2021	NUM
cana-4736	194	28	.	.	PUNCT
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cana-4736	195	8	)	)	PUNCT
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cana-4736	195	11	.	.	PUNCT
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cana-4736	196	2	.	.	PUNCT
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cana-4736	197	2	-	-	SYM
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cana-4736	197	4	,	,	PUNCT
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cana-4736	198	3	]	]	PUNCT
cana-4736	198	4	.	.	PUNCT
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cana-4736	199	11	loans	loan	NOUN
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cana-4736	199	19	.	.	PUNCT
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cana-4736	200	6	)	)	PUNCT
cana-4736	200	7	,	,	PUNCT
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cana-4736	200	9	-	-	SYM
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cana-4736	200	11	.	.	PUNCT
cana-4736	200	12	2020	2020	NUM
cana-4736	200	13	.	.	PUNCT
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cana-4736	202	2	5	5	NUM
cana-4736	202	3	]	]	PUNCT
cana-4736	202	4	.	.	PUNCT
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cana-4736	204	8	)	)	PUNCT
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cana-4736	205	2	-	-	SYM
cana-4736	205	3	44	44	NUM
cana-4736	205	4	.	.	PUNCT
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cana-4736	206	3	6	6	NUM
cana-4736	206	4	]	]	PUNCT
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cana-4736	208	9	)	)	PUNCT
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cana-4736	210	2	7	7	NUM
cana-4736	210	3	]	]	PUNCT
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cana-4736	212	4	)	)	PUNCT
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cana-4736	212	7	-	-	SYM
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cana-4736	212	9	.	.	PUNCT
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cana-4736	213	4	]	]	PUNCT
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cana-4736	218	2	9	9	NUM
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cana-4736	218	21	:	:	PUNCT
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cana-4736	219	8	)	)	PUNCT
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cana-4736	219	11	-	-	SYM
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cana-4736	219	13	.	.	PUNCT
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cana-4736	221	2	10	10	NUM
cana-4736	221	3	]	]	PUNCT
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cana-4736	223	7	)	)	PUNCT
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cana-4736	223	10	-	-	SYM
cana-4736	223	11	1554	1554	NUM
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cana-4736	225	2	11	11	NUM
cana-4736	225	3	]	]	PUNCT
cana-4736	225	4	.	.	PUNCT
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cana-4736	226	4	s.	s.	PROPN
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cana-4736	226	18	.	.	PUNCT
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cana-4736	227	6	)	)	PUNCT
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cana-4736	227	9	-	-	SYM
cana-4736	227	10	2131	2131	NUM
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cana-4736	228	2	.	.	PUNCT
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cana-4736	229	8	:	:	PUNCT
cana-4736	229	9	1074	1074	NUM
cana-4736	229	10	-	-	PUNCT
cana-4736	229	11	133x	133x	NUM
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cana-4736	229	13	32	32	NUM
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cana-4736	230	2	(	(	PUNCT
cana-4736	230	3	2025	2025	NUM
cana-4736	230	4	)	)	PUNCT
cana-4736	230	5	277	277	NUM
cana-4736	230	6	https://internationalpubls.com	https://internationalpubls.com	X
cana-4736	231	1	[	[	X
cana-4736	231	2	12	12	NUM
cana-4736	231	3	]	]	PUNCT
cana-4736	231	4	.	.	PUNCT
cana-4736	232	1	j.	j.	PROPN
cana-4736	232	2	dedinsky	dedinsky	PROPN
cana-4736	232	3	.	.	PROPN
cana-4736	232	4	,	,	PUNCT
cana-4736	232	5	2022	2022	NUM
cana-4736	232	6	,	,	PUNCT
cana-4736	232	7	development	development	NOUN
cana-4736	232	8	of	of	ADP
cana-4736	232	9	loans	loan	NOUN
cana-4736	232	10	and	and	CCONJ
cana-4736	232	11	indebtedness	indebtedness	NOUN
cana-4736	232	12	of	of	ADP
cana-4736	232	13	households	household	NOUN
cana-4736	232	14	in	in	ADP
cana-4736	232	15	slovakia	slovakia	PROPN
cana-4736	232	16	in	in	ADP
cana-4736	232	17	comparison	comparison	NOUN
cana-4736	232	18	with	with	ADP
cana-4736	232	19	other	other	ADJ
cana-4736	232	20	countries	country	NOUN
cana-4736	232	21	of	of	ADP
cana-4736	232	22	european	european	PROPN
cana-4736	232	23	union	union	PROPN
cana-4736	232	24	.	.	PUNCT
cana-4736	233	1	finančné	finančné	PROPN
cana-4736	233	2	trhy	trhy	ADV
cana-4736	233	3	,	,	PUNCT
cana-4736	233	4	bratislava	bratislava	PROPN
cana-4736	233	5	,	,	PUNCT
cana-4736	233	6	derivat	derivat	VERB
cana-4736	233	7	2022	2022	NUM
cana-4736	233	8	,	,	PUNCT
cana-4736	233	9	issn	issn	PROPN
cana-4736	233	10	1336	1336	NUM
cana-4736	233	11	-	-	SYM
cana-4736	233	12	5711	5711	NUM
cana-4736	233	13	,	,	PUNCT
cana-4736	233	14	1/2022	1/2022	NUM
cana-4736	233	15	[	[	X
cana-4736	233	16	13	13	NUM
cana-4736	233	17	]	]	PUNCT
cana-4736	233	18	.	.	PUNCT
cana-4736	234	1	national	national	PROPN
cana-4736	234	2	bank	bank	PROPN
cana-4736	234	3	of	of	ADP
cana-4736	234	4	slovakia	slovakia	PROPN
cana-4736	234	5	:	:	PUNCT
cana-4736	234	6	the	the	DET
cana-4736	234	7	financial	financial	ADJ
cana-4736	234	8	stability	stability	NOUN
cana-4736	234	9	report	report	NOUN
cana-4736	234	10	,	,	PUNCT
cana-4736	234	11	2021	2021	NUM
cana-4736	234	12	.	.	PUNCT
cana-4736	235	1	date	date	NOUN
cana-4736	235	2	of	of	ADP
cana-4736	235	3	access	access	NOUN
cana-4736	235	4	:	:	PUNCT
cana-4736	235	5	21/11/2024	21/11/2024	NUM
cana-4736	235	6	.	.	PUNCT
cana-4736	236	1	[	[	X
cana-4736	236	2	14	14	NUM
cana-4736	236	3	]	]	PUNCT
cana-4736	236	4	.	.	PUNCT
cana-4736	237	1	national	national	PROPN
cana-4736	237	2	bank	bank	PROPN
cana-4736	237	3	of	of	ADP
cana-4736	237	4	slovakia	slovakia	PROPN
cana-4736	237	5	:	:	PUNCT
cana-4736	237	6	review	review	NOUN
cana-4736	237	7	of	of	ADP
cana-4736	237	8	housing	housing	NOUN
cana-4736	237	9	loans	loan	NOUN
cana-4736	237	10	in	in	ADP
cana-4736	237	11	slovakia	slovakia	PROPN
cana-4736	237	12	statistical	statistical	ADJ
cana-4736	237	13	active	active	ADJ
cana-4736	237	14	balance	balance	NOUN
cana-4736	237	15	;	;	PUNCT
cana-4736	237	16	data	datum	NOUN
cana-4736	237	17	include	include	VERB
cana-4736	237	18	only	only	ADJ
cana-4736	237	19	loans	loan	NOUN
cana-4736	237	20	provided	provide	VERB
cana-4736	237	21	to	to	ADP
cana-4736	237	22	householder	householder	ADJ
cana-4736	237	23	sector	sector	NOUN
cana-4736	237	24	.	.	PUNCT
cana-4736	238	1	2024	2024	NUM
cana-4736	238	2	.	.	PUNCT
cana-4736	238	3	date	date	NOUN
cana-4736	238	4	of	of	ADP
cana-4736	238	5	access	access	NOUN
cana-4736	238	6	:	:	PUNCT
cana-4736	238	7	22/11/2024	22/11/2024	NUM
cana-4736	238	8	.	.	PUNCT
cana-4736	239	1	[	[	X
cana-4736	239	2	15	15	NUM
cana-4736	239	3	]	]	PUNCT
cana-4736	239	4	.	.	PUNCT
cana-4736	240	1	eurostat	eurostat	PROPN
cana-4736	240	2	,	,	PUNCT
cana-4736	240	3	living	live	VERB
cana-4736	240	4	condition	condition	NOUN
cana-4736	240	5	.	.	PUNCT
cana-4736	241	1	2022	2022	NUM
cana-4736	241	2	.	.	PUNCT
cana-4736	242	1	date	date	NOUN
cana-4736	242	2	of	of	ADP
cana-4736	242	3	access	access	NOUN
cana-4736	242	4	:	:	PUNCT
cana-4736	242	5	12/11/2024	12/11/2024	NUM
cana-4736	242	6	.	.	PUNCT
cana-4736	243	1	https://ec.europa.eu/eurostat	https://ec.europa.eu/eurostat	NOUN
cana-4736	244	1	[	[	X
cana-4736	244	2	16	16	NUM
cana-4736	244	3	]	]	PUNCT
cana-4736	244	4	.	.	PUNCT
cana-4736	245	1	eurostat	eurostat	PROPN
cana-4736	245	2	:	:	PUNCT
cana-4736	245	3	housing_statistics_silc	housing_statistics_silc	PROPN
cana-4736	245	4	2024	2024	NUM
cana-4736	245	5	.	.	PUNCT
cana-4736	246	1	date	date	NOUN
cana-4736	246	2	of	of	ADP
cana-4736	246	3	access	access	NOUN
cana-4736	246	4	:	:	PUNCT
cana-4736	246	5	11/11/2024	11/11/2024	NUM
cana-4736	246	6	.	.	PUNCT
cana-4736	246	7	https://ec.europa.eu/eurostat	https://ec.europa.eu/eurostat	NOUN
cana-4736	247	1	[	[	X
cana-4736	247	2	17	17	NUM
cana-4736	247	3	]	]	PUNCT
cana-4736	247	4	.	.	PUNCT
cana-4736	248	1	oecd	oecd	PROPN
cana-4736	248	2	.	.	PUNCT
cana-4736	249	1	statistical	statistical	ADJ
cana-4736	249	2	insights	insight	NOUN
cana-4736	249	3	:	:	PUNCT
cana-4736	249	4	what	what	PRON
cana-4736	249	5	does	do	AUX
cana-4736	249	6	household	household	NOUN
cana-4736	249	7	debt	debt	NOUN
cana-4736	249	8	say	say	VERB
cana-4736	249	9	about	about	ADP
cana-4736	249	10	financial	financial	ADJ
cana-4736	249	11	resilience	resilience	NOUN
cana-4736	249	12	?	?	PUNCT
cana-4736	250	1	2017	2017	NUM
cana-4736	250	2	.	.	PUNCT
cana-4736	251	1	date	date	NOUN
cana-4736	251	2	of	of	ADP
cana-4736	251	3	access	access	NOUN
cana-4736	251	4	:	:	PUNCT
cana-4736	251	5	25/11/2024	25/11/2024	NUM
cana-4736	251	6	.	.	PUNCT
cana-4736	252	1	https://www.oecd.org/fr/sdd/cn/statisticalinsightswhatdoeshouseholddebtsayaboutfinanc	https://www.oecd.org/fr/sdd/cn/statisticalinsightswhatdoeshouseholddebtsayaboutfinanc	NOUN
cana-4736	252	2	ialresilience.htm	ialresilience.htm	X
cana-4736	252	3	[	[	X
cana-4736	252	4	18	18	NUM
cana-4736	252	5	]	]	PUNCT
cana-4736	252	6	.	.	PUNCT
cana-4736	253	1	d.	d.	PROPN
cana-4736	253	2	spirkova	spirkova	PROPN
cana-4736	253	3	,	,	PUNCT
cana-4736	253	4	m.	m.	NOUN
cana-4736	253	5	zubková	zubková	PROPN
cana-4736	253	6	,	,	PUNCT
cana-4736	253	7	j.	j.	PROPN
cana-4736	253	8	machajdikova	machajdikova	PROPN
cana-4736	253	9	.	.	PUNCT
cana-4736	253	10	,	,	PUNCT
cana-4736	253	11	2017	2017	NUM
cana-4736	253	12	,	,	PUNCT
cana-4736	253	13	housing	housing	NOUN
cana-4736	253	14	policy	policy	NOUN
cana-4736	253	15	.	.	PUNCT
cana-4736	254	1	1.ed	1.ed	NUM
cana-4736	254	2	.	.	PUNCT
cana-4736	255	1	bratislava	bratislava	NOUN
cana-4736	255	2	:	:	PUNCT
cana-4736	255	3	publisher	publisher	PROPN
cana-4736	255	4	stu	stu	PROPN
cana-4736	255	5	,	,	PUNCT
cana-4736	255	6	2017	2017	NUM
cana-4736	255	7	.	.	PUNCT
cana-4736	256	1	164	164	NUM
cana-4736	256	2	p.	p.	NOUN
cana-4736	256	3	isbn	isbn	ADJ
cana-4736	256	4	978	978	NUM
cana-4736	256	5	-	-	SYM
cana-4736	256	6	80	80	NUM
cana-4736	256	7	-	-	PUNCT
cana-4736	256	8	227	227	NUM
cana-4736	256	9	-	-	PUNCT
cana-4736	256	10	4396	4396	NUM
cana-4736	256	11	-	-	SYM
cana-4736	256	12	9	9	NUM
cana-4736	256	13	.	.	PUNCT