Download or read book Ensuring that Homeownership is Sustainable written by David J. Reiss and published by . This book was released on 2016 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt: This short article argues that the Federal Housing Administration has suffered as a result of many of the same unrealistic underwriting assumptions that led to problems for many lenders during the 2000s. It, too, was harmed by a housing market as bad as any since the Great Depression. As a result, the federal government announced in 2013 that the FHA would require the first bailout in the agency's history. While facing financial challenges, the FHA has also come under attack for the poor execution of policies designed to expand homeownership opportunities. Leading commentators have called for the federal government to stop having the FHA do anything but provide liquidity to the low end of the mortgage market. These critics rely on a few examples of agency programs that were clearly failures, but they do not address the FHA's long history of undertaking comparable initiatives. In fact, the FHA has a history of successfully undertaking new homeownership programs. However, it also has operational flaws that should be addressed before it undertakes similar future homeownership initiatives.
Download or read book Sustainable Housing for Sustainable Cities written by Oleg Golubchikov and published by Un-Habitat. This book was released on 2012-01-01 with total page 73 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Sustainability of Homeownership written by Donald R. Haurin and published by . This book was released on 2005-09 with total page 57 pages. Available in PDF, EPUB and Kindle. Book excerpt: The nation's homeownership rate is affected by both the length of time that households remain as homeowners rather than reverting to being a renter & the length of time households rent or live with their parents following the termination of a period of homeowning. Thus, differences in ownership rates between whites, African Americans, & Hispanics could be due, in part, to differences in their durations of owning, renting, & living with parents. This analysis reveals that it is not true that once an owner, always an owner.Ó The rate of exiting from homeownership differs substantially by race & ethnicity of the owner. This study follows a cohort of individuals for 21 years. Policies must promote new ownership spells that are sustainable. Tables.
Download or read book Sustainable Housing written by Brian Edwards and published by Taylor & Francis. This book was released on 2002-09-11 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by experts, Sustainable Housing brings new perspectives on residential sustainability, using case studies of latest practice. This book is based upon the 'Housing and Sustainability' conference at the RIBA in 1998, which intended to guide action into the next century, setting down key principles, providing important new technical information and setting UK practices in a European context.
Download or read book Sustainable Homeownership written by Paul S. Calem and published by . This book was released on 2012 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rapidly changing credit and housing market conditions of the past fifteen years have markedly impacted home ownership rates. Home ownership rates in the United States have increased steadily and significantly from 1995 to 2004, from 64 percent to 69 percent. No additional increase in home ownership, in the aggregate, occurred with the expansion of non prime lending after 2004. By year-end 2008, the overall U.S. home ownership rate had fallen to a level below that of 2002. As delinquencies and foreclosures mount, putting the nation's homeowners and the economy at risk, home ownership rates continue to decline. We review the evidence pertaining to home ownership rates, explore the possible role of financial institutions in increasing home ownership in sustainable and unsustainable ways, and address the role of regulation. We review evidence suggesting how flexible lending initiatives have expanded access to home ownership. We also examine the role of non prime lending and the consequences of housing market price instability for home ownership. Fluctuations in the availability of credit for home ownership, and the global credit market collapse raise questions that we cannot answer here about the mistakes that have contributed to the current housing crisis. Nonetheless, evidence on market outcomes allows us at least to raise such questions, and explore the role of regulation in supporting responsible mortgage lending that encourages sustainable home ownership.
Download or read book Sustainable Housing written by Brian Edwards and published by Taylor & Francis. This book was released on 2002-09-11 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by experts using case studies of latest practice, Sustainable Housing brings new perspectives on residential sustainability and is based upon the 'Housing and Sustainability' conference at the RIBA in 1998.
Download or read book Housing Finance What Should the New System Be Able to Do Part 2 Government and Stakeholder Perspectives written by United States. Congress. House. Committee on Financial Services and published by . This book was released on 2010 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Sustainable Communities written by Great Britain. Office of the Deputy Prime Minister and published by The Stationery Office. This book was released on 2005 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: This document (which is a corrected edition of the publication first issued in January 2005) sets out the Government's five year plan to create sustainable mixed communities by addressing the varied housing challenges faced in different parts of the country and improving the supply and quality of housing for everyone, including first time buyers, social tenants, key workers and private sector tenants. Proposals for reforms include: investment in housebuilding and infrastructure to tackle housing shortages in the South East, using the private finance initiative; a new Code for Sustainable Buildings, new powers to limit low density development and to protect the Green Belt; measures to help 80,000 first time buyers and an extension of the Key Worker Living scheme; a new Choice to Own scheme for council and housing association tenants; a new moveUK system to provide information about availability of jobs and homes to offer people the opportunity to move to new areas; improved quality and availability of private rented accommodation; an enhanced strategic role for local authorities in planning housing and growth; investment in housing related services to help older and disabled people live independently; and plans to address homelessness, including halving the number of households living in temporary accommodation by 2010.
Download or read book Gray to Green Communities written by Dana Bourland and published by Island Press. This book was released on 2021-01-19 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: US cities are faced with the joint challenge of our climate crisis and the lack of housing that is affordable and healthy. Our housing stock contributes significantly to the changing climate, with residential buildings accounting for 20 percent of greenhouse gas emissions. US housing is not only unhealthy for the planet, it is putting the physical and financial health of residents at risk. Our housing system means that a renter working 40 hours a week and earning minimum wage cannot afford a two-bedroom apartment in any US county. In Gray to Green Communities, green affordable housing expert Dana Bourland argues that we need to move away from a gray housing model to a green model, which considers the health and well-being of residents, their communities, and the planet. She demonstrates that we do not have to choose between protecting our planet and providing housing affordable to all. Bourland draws from her experience leading the Green Communities Program at Enterprise Community Partners, a national community development intermediary. Her work resulted in the first standard for green affordable housing which was designed to deliver measurable health, economic, and environmental benefits. The book opens with the potential of green affordable housing, followed by the problems that it is helping to solve, challenges in the approach that need to be overcome, and recommendations for the future of green affordable housing. Gray to Green Communities brings together the stories of those who benefit from living in green affordable housing and examples of Green Communities’ developments from across the country. Bourland posits that over the next decade we can deliver on the human right to housing while reaching a level of carbon emissions reductions agreed upon by scientists and demanded by youth. Gray to Green Communities will empower and inspire anyone interested in the future of housing and our planet.
Download or read book WHO Housing and Health Guidelines written by and published by . This book was released on 2018 with total page 149 pages. Available in PDF, EPUB and Kindle. Book excerpt: Improved housing conditions can save lives, prevent disease, increase quality of life, reduce poverty, and help mitigate climate change. Housing is becoming increasingly important to health in light of urban growth, ageing populations and climate change. The WHO Housing and health guidelines bring together the most recent evidence to provide practical recommendations to reduce the health burden due to unsafe and substandard housing. Based on newly commissioned systematic reviews, the guidelines provide recommendations relevant to inadequate living space (crowding), low and high indoor temperatures, injury hazards in the home, and accessibility of housing for people with functional impairments. In addition, the guidelines identify and summarize existing WHO guidelines and recommendations related to housing, with respect to water quality, air quality, neighbourhood noise, asbestos, lead, tobacco smoke and radon. The guidelines take a comprehensive, intersectoral perspective on the issue of housing and health and highlight co-benefits of interventions addressing several risk factors at the same time. The WHO Housing and health guidelines aim at informing housing policies and regulations at the national, regional and local level and are further relevant in the daily activities of implementing actors who are directly involved in the construction, maintenance and demolition of housing in ways that influence human health and safety. The guidelines therefore emphasize the importance of collaboration between the health and other sectors and joint efforts across all government levels to promote healthy housing. The guidelines' implementation at country-level will in particular contribute to the achievement of the Sustainable Development Goals on health (SDG 3) and sustainable cities (SDG 11). WHO will support Member States in adapting the guidelines to national contexts and priorities to ensure safe and healthy housing for all.
Download or read book Modelling the Socio Economic Implications of Sustainability Issues in the Housing Market written by Solomon Pelumi Akinbogun and published by Springer Nature. This book was released on 2020-07-18 with total page 247 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses sustainable housing issues in urban areas throughout the Global South, revealing their complexity in terms of urban dynamics, housing markets and human interactions with the environment. Its main focus is on the location of graves within private residences, cemeteries in the immediate vicinity of private residences, and the implications of these factors for renters’ choices and rents. The book addresses the economics of land use for graves in connection with housing choices and the implications for the rented sector of the property market. By means of several model-based simulations, it demonstrates that the neoclassical economics remedy to the negative externality of graves in or near private residences remains generally unacceptable. Providing readers with a clear understanding of tenants’ priorities in their choice of housing, as well as a new approach to the negative externality of graves in the rented sector, the book will be of interest to policymakers, urban planners, investors in residential housing and land economists alike.
Download or read book Sustainable Housing written by Amjad Almusaed and published by BoD – Books on Demand. This book was released on 2022-02-23 with total page 332 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sustainable housing is generally used to describe housing that is environmentally friendly and resource-efficient over the lifetime of the building. Homes are designed to have the least possible negative impact on the environment. This means energy efficiency, avoiding environmental toxins, and responsibly using materials and resources while having positive physical and psychological effects on inhabitants. This book presents a comprehensive overview of sustainable housing, starting from legislation and ending with the design and configuration of homes.
Download or read book Challenges and Policy Options for Creating and Preserving Affordable Housing Near Transit and in Other Location Efficient Areas written by Rick Haughey and published by DIANE Publishing. This book was released on 2011-10 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Segregation written by James H. Carr and published by Routledge. This book was released on 2008-04-18 with total page 369 pages. Available in PDF, EPUB and Kindle. Book excerpt: The new imperative for equality / James H. Carr and Nandinee K. Kutty -- Origins of economic disparities : historical role of housing segregation / Douglas S. Massey -- From credit denial to predatory lending : the challenge of sustaining minority homeownership / Kathleen C. Engel and Patricia A. McCoy -- Housing and education : the inextricable link / Deborah McKoy and Jeffrey M. Vincent -- Residential segregation and employment inequality / Margery Austin Turner -- Impacts of housing and neighborhoods on health : pathways, racial/ethnic disparities, and policy directions / Dolores Acevedo-Garcia and Theresa L. Osypuk -- Neighborhood segregation, personal networks, and access to social resources / Rachel Garshick Kleit -- Continuing isolation : segregation in America today / Ingrid Gould Ellen -- Trends in the U.S. economy : the evolving role of minorities / Dean Baker and Heather Boushey -- The prospects and pitfalls of fair housing enforcement efforts / Gregory D. Squires -- Attaining a just (and economically secure) society / James H. Carr and Nandinee K. Kutty.
Download or read book Federal Housing Administration s Role in Addressing the Housing Crisis written by United States. Congress. Senate. Committee on Appropriations. Subcommittee on Transportation and Housing and Urban Development, and Related Agencies and published by . This book was released on 2008 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Departments of Transportation and Housing and Urban Development and Related Agencies Appropriations for 2014 written by United States. Congress. House. Committee on Appropriations. Subcommittee on Transportation, Housing and Urban Development, and Related Agencies and published by . This book was released on 2013 with total page 1256 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Land Information as a Key Issue of a Sustainable Development of Housing written by Antonio Jimenez Clar and published by . This book was released on 2013 with total page 7 pages. Available in PDF, EPUB and Kindle. Book excerpt: Land has two major utilities: its value of use and its value of exchange. The right to housing, as recognised in a number of international human rights instruments, can be effectively provided by ensuring the use value of land. In the case of housing, this type of use is made up of two constituents: the generic residential condition as derived from the planning use given to land and its specific use as a family home. As housing affordability depends on the changing relationships between house prices and rent, and between house prices and income, one of the main alternatives that has been used to balance the equation, is the financing of the purchase price through the mortgage market. The real estate collapse that began in 2008 is attributable to many factors but two basic issues seem to be at the root of the problem: the mixture of credits of very different qualities in financial products and the lack of reliable information with regard to both the origin of the mortgage and the real estate that guaranteed it. Therefore, in order to maintain the efficiency of the mortgage market as a mechanism to provide affordable housing in conditions of sustainability, it is necessary, with a peremptory nature, to restructure the territorial information systems in such a manner so that they rely on real estate understood not just as the object of rights but also as physical objects that form part of the territory. At the same time, one of the details that must necessarily be included in the content of land information should be the use of a property as a family home, maintaining the circuit with regard to the mortgage chain of family homes permanently identified and isolated within the primary and secondary mortgage markets, both at the time of their constitution and later when the MBSs are issued.
