id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajceb-1884	Karamujic, Harry M	An Investigation into the Fundamental Drivers of Pricing of Residential Mortgage Products – A Risk Pricing Viewpoint	2010	13	.pdf	application/pdf	7866	273	44	Consequently, the product level gross amount of risk capital required is 9 per cent multiplied by the outstanding loan amount. Keywords: Home loan pricing, Home loan products, Basel capital accords, Cost plus pricing technique, Risk quantification, Risk pricing, Provisioning Introduction The Australian home loan industry is characterised by a very homogenous products offering, a strong risk-pricing discipline, a highly concentrated industry structure, and products (home loans) that are almost fully commoditised1.	cache/ajceb-1884.pdf	txt/ajceb-1884.txt