Gróf, Gyula, SárváriBalázs, and Bálint Várgedő. “The Role of Mortgage Energy Efficiency in the Probability of Default and in Determining Capital Requirements”. Hungarian Economic Review 71, no. 6 (June 10, 2024): 653–670. Accessed March 17, 2025. https://ojs.mtak.hu/index.php/kszemle/article/view/17719.