@article{owusu2016relative,
  title={The relative importance of mortgage pricing determinants in mortgage affordability in Ghana: An ex post attribution},
  author={Owusu-Manu, D and P{\"a}rn, EA and Donkor-Hyiaman, K and Edwards, DJ and Blackhurst, K},
  journal={Journal of Engineering, Design and Technology},
  volume={14},
  number={3},
  pages={563--579},
  year={2016},
  publisher={Emerald Group Publishing Limited}
}

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