The availability of multiple loans during the an idea raises the month-to-month borrowing rates by the 0 Our earliest empirical regression we can measure the determinants away from the probability of an associate getting a unique mortgage in times t. Coefficient quotes and you can marginal thinking from our multivariate Probit model appear inside the Table 2 , the spot where the mean property value the latest built adjustable try step one.38 percent four weeks. Dining table dos Flipping very