SPILBERGS, Aivars. Residential Mortgage Loans Delinquencies Analysis and Risk Drivers Assessment. Emerging Science Journal, [S. l.], v. 4, n. 2, p. 104–112, 2020. DOI: 10.28991/esj-2020-01214. Disponível em: https://www.ijournalse.org/index.php/ESJ/article/view/226. Acesso em: 9 jun. 2025.