APA (7th ed.) Citation

Zhang, H., & Kim, H. Urbanization and the excess mortgage risk – an optimal mortgage model. Springer Nature.

Chicago Style (17th ed.) Citation

Zhang, Hongxia, and Heeho Kim. Urbanization and the Excess Mortgage Risk – an Optimal Mortgage Model. Springer Nature.

MLA (9th ed.) Citation

Zhang, Hongxia, and Heeho Kim. Urbanization and the Excess Mortgage Risk – an Optimal Mortgage Model. Springer Nature.

Warning: These citations may not always be 100% accurate.