THE NATIONAL MORTGAGE INSURANCE CORPORATION: THE CONCEPT, ROLE AND IMPORTANCE
Bibliographic record
Abstract
THE National mortgage insurance corporation in Serbia has insured more than 80.000 loans since its establishment. Its existence has contributed to a large number of citizens obtain a housing loan, because a mortgage insurance achieves a lower interest rate. Through the National mortgage insurance corporation a mortgage insurance can be achieved for housing loans, or loans to individuals for purchasing of apartments without the state subsidies as well as for the subsidized housing loans, in which the state provides loan funds for the borrower, often without an interest rate. The loans provided are secured by a mortgage insurance, which is entered on the registered premises or the building under construction. When insuring or granting housing loans, a special attention is given to a criterion which represents a comparation between the value of the loan and the assessed value of the real estate. This criterion, the so-called LTV -loan to value, indicates the level of risk and insurance approval of a housing loan; the higher LTV, the higher the risk for both the bank and Corporation when accepting a credit insurance. Consequently, the height of insurance premiums to be paid to the Corporation depends, among the other criteria, on the height of the LTV value. At the lower LTV, it is prescribed the lower insurance premium that will be calculated. The Corporation is a legal entity established by law and it is responsible to the Government of Republic of Serbia. It has been established after the model of the Canadian Corporation (The Canada mortgage and housing Corporation), but there are similarities and differences, which are especially marked because of different periods of establishment as well as the stages through which there flowed the development of the Canada mortgage and housing Corporation.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.004 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.003 | 0.005 |
| Science and technology studies | 0.002 | 0.011 |
| Scholarly communication | 0.010 | 0.007 |
| Open science | 0.001 | 0.003 |
| Research integrity | 0.003 | 0.004 |
| Insufficient payload (model declined to judge) | 0.003 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".