Urbanization, the steady migration of people from rural to urban areas, has been one of the defining trends of the 21st century. With an increasing number of people choosing to live in cities for better employment opportunities, education, and quality…

For many individuals and families, the dream of homeownership is often hindered by the high costs associated with purchasing a home. These costs are not limited to just the price of the property; they also include the expenses related to…

Demographic changes, including shifts in population size, age distribution, family structures, and migration patterns, have a profound impact on the housing market and, more specifically, on the mortgage industry. As societies evolve and populations grow or shrink, the demand for…