Download or read book Equity Release Schemes in the European Union written by Sebastien Clerc-Renaud and published by BoD – Books on Demand. This book was released on 2010 with total page 586 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of the Mortgage Credit Directive in Europe written by Miriam Anderson and published by . This book was released on 2017 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: How has European Private Law responded to the property and mortgage markets crisis? And in what way is this reaction likely to model domestic systems? The financial and economic crisis that marked the beginning of the century has had a devastating effect on the property and mortgage markets in many Member States of the European Union. Despite this, the European legislator took its time to respond. This book analyzes the impact of the Mortgage Credit Directive (Directive 2014/17) in twelve different jurisdictions: Belgium, England, France, Germany, Greece, Ireland, Italy, Malta, The Netherlands, Poland, Portugal, and Spain. The reports show how in some instances only certain products (such as foreign currency loans) or practices (irresponsible lending, homeownership promoting policies, the use of unfair terms) were factors that triggered the property crash; in other cases; the system completely failed to address an exceptional situation; and, finally, how in some instances prudent lending explained why the market was virtually not hit at all. This book aims to find out whether the two goals of Directive 2014/17 (financial sector stability and enhanced consumer protection) can be achieved in light of its provisions and of the transposition carried out by the different Member States, and whether the changes it introduces have a significant impact in the jurisdictions considered here. Some systems are already showing signs of yet another property bubble. There is room for hope: perhaps we have learned from the past, perhaps the Directive is a step forward, but more importantly this book shows that we can learn from each other. [Subject: European Law, Private Law, Property Law]
Download or read book Pensions at a Glance 2013 OECD and G20 Indicators written by OECD and published by OECD Publishing. This book was released on 2013-11-26 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: This comprehensive examination of pension systems in OECD and selected non-OECD countries looks at recent trends in retirement and working at older ages, evolving life expectancy, design of pension systems, pension entitlements, and private pensions before providing a series of country profiles.
Download or read book ESTONIAN DISCUSSIONS ON ECONOMIC POLICY ESTNISCHE GESPR CHE BER WIRTSCHAFTSPOLITIK EESTI MAJANDUSPOLIITILISED V ITLUSED written by Universität Tartu and published by BWV Verlag. This book was released on 2018-12-10 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Demographic Change and Housing Wealth written by John Doling and published by Springer Science & Business Media. This book was released on 2012-08-11 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: Across the EU, populations are shrinking and ageing. An increasing burden is being placed on a smaller working population to generate the taxes required for pensions and care costs. Welfare states are weakening in many countries and across Europe, households are being increasingly expected to plan for their retirement and future care needs within this risky environment. At the same time, the proportion of people buying their own home in most countries has risen, so that some two-thirds of European households now own their homes. Housing equity now considerably exceeds total European GDP. This book discusses questions like: to what extent might home ownership provide a potential cure for some of the consequences of ageing populations by realizing housing equity in order to meet the consumption needs of older people? What does this mean for patterns of inheritance and longer-term inequalities across Europe? And to what extent are governments banking on their citizens utilising their housing wealth now and in the future?
Download or read book Old Age Provision and Homeownership Fiscal Incentives and Other Public Policy Options written by Martina Eckardt and published by Springer. This book was released on 2018-05-10 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: In light of demographic change and the growing problems of traditional old-age security systems, this book discusses two essential instruments in connection with privately providing for old-age security: (1) savings in private pension schemes and (2) building up equity for home-ownership. Further, it assesses the relationship between the two instruments and offers a unique overview of the latest market developments. In order to represent the profound differences between the individual member states of the EU, this book features six country-specific studies – covering Germany, Hungary, Ireland, Italy, the Netherlands and the United Kingdom – that provide detailed insights into the complexity of local private pension schemes, mortgage markets, and housing markets. Lastly, the book discusses public policies and fiscal incentives intended to better integrate residential property with private pensions. It will appeal to both, private households seeking to build up old-age security, as well as policy makers interested in providing secure pension schemes.
Download or read book A New Pension Settlement for the Twenty first Century written by Pensions Commission and published by The Stationery Office. This book was released on 2005-11-30 with total page 476 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. Following on from its first report (ISBN 0117027804) published in October 2004, this second report sets out the Commission's conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. Recommendations are based on two key elements: the automatic enrolment of employees into either a new National Pensions Savings System or into existing company pension schemes, with an option for employees to opt-out, and with a modest compulsory employer matching contribution; and reform of state pension provision in order to make it simpler to understand and less means-tested. The Commission concludes that these reforms will require some increase in public expenditure on pensions as a percentage of GDP over the next 45 years, and that increases in state pension ages will be needed to keep that increase within sustainable levels over the long term. The Commission presents a range of possible combinations of public expenditure and state pensions ages, and calls for a public debate to consider these options. It also recommends the establishment of a successor body to continue to review the situation and report to Parliament and government every four years.
Download or read book International Comparison of Pension Systems written by Hongmu Lee and published by Springer Nature. This book was released on 2022-11-30 with total page 515 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is about retirement income security. This income security is provided by national public pensions, corporate pensions, and individual and reverse mortgages. However, these systems vary greatly from country to country and, in many countries, do not provide sufficient coverage. Ensuring income security in old age is an important issue that must be resolved in the rapidly aging environment of the world. From the perspective of financial consumers, this book cross-sectionally surveys public pensions, corporate pensions, individual pensions and reverse mortgages and compares them among many important nations. This gives many implications from the perspective of designing an overall income security for each individual. In addition, it presents many of the issues needed for these sustainable and comprehensive income security.
Download or read book Essays on Housing and Pensions written by Thomas Müller and published by Springer. This book was released on 2018-12-28 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt: Demographic trends put a burden on EU pension provision. As the sustainability of pension systems is addressed by current pension reforms, lower benefit levels are projected. In this scenario, households may want to consider supplementing their public pension income. As their own residence is on average their most valuable asset, its transformation to income can be one form of alleviating financial distress in old age. Thomas Müller presents research findings on the interdependency of housing and pension wealth as well as on whether and to what extent housing wealth is decumulated after retirement. The author emphasizes the consideration of housing wealth in pension policies to enable European households to employ its housing asset as an income source in old age. About the Author Thomas Müller wrote his dissertation at the Real Estate Management Institute (REMI) at the EBS Business School. His research was motivated by the effects of demographic changes on pension provision in the EU. He focused especially on the allocation and liquidation of private housing wealth as a public pension supplement.
Download or read book International Encyclopedia of Housing and Home written by and published by Elsevier. This book was released on 2012-10-09 with total page 3870 pages. Available in PDF, EPUB and Kindle. Book excerpt: Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts
Download or read book Wealth and Homeownership written by Mariacristina Rossi and published by Springer. This book was released on 2018-08-27 with total page 135 pages. Available in PDF, EPUB and Kindle. Book excerpt: In almost every country, wealth is predominantly constituted by housing equity, but what are the possible risks and how does wealth accumulation vary across countries? In this timely book, Rossi and Sierminska analyse the complex relationship between gender, wealth and homeownership. By providing a conceptual framework to insert homeownership and housing decisions within an economic rationale, the authors explore how gender and family types have shaped wealth accumulation and homeownership.
Download or read book Understanding Pensions written by Martin Sullivan and published by Routledge. This book was released on 2004-08-28 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: With birth rates falling at the same time that average ages are rising in the developed world, the pensions time bomb is ticking louder than ever. This timely new book is an extremely useful contribution to this important issue.
Download or read book Meaning and Measurement in Comparative Housing Research written by Mark Stephens and published by Routledge. This book was released on 2017-07-05 with total page 144 pages. Available in PDF, EPUB and Kindle. Book excerpt: The last two decades have seen a marked growth in comparative research within the field of housing studies. This reflects the increasing globalisation of housing finance and therefore the interconnectedness of housing markets, growing interest among researchers and policy makers in learning from developments in other countries and the availability of more funding and better comparative data to support their endeavours. Concurrently, comparative housing research has become more sophisticated, as research training has improved, the number of journals publishing this research has increased and researchers have become what one might call moremethodologically aware.However, despite these developments, there is no single volume book that deals with the distinct challenges that arise from comparative housing research, compared to other fields of comparative policy analysis. These challenges relate to spatial fixity of housing, its dual role as a consumption and investment good, and as the "wobbly pillar" of the welfare state, which is delivered using a complex mix of government and market supports.This volume reflects on the significant methodological strides made in the comparative housing research field during this period. The book also considers the considerable challenges that remain if comparative housing research is to match the methodological and theoretical sophistication evident in other comparative social science fields and maps a route for this journey.This book was published as a special issue of the International Journal of Housing Policy.
Download or read book Home Equity and Ageing Owners written by Lorna Fox O'Mahony and published by Bloomsbury Publishing. This book was released on 2012-01-06 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt: The growing use of housing equity to support a range of activities and needs raises complex issues, particularly for older owners. In an environment in which older owners are pushed towards housing equity transactions to meet income and welfare costs, they are required to make choices from a complex and sometimes bewildering range of options. The transactions which facilitate the use of home equity as a resource to spend in later life - from 'trading down' and 'ordinary' secured and unsecured debt to targeted products including reverse/lifetime mortgages, home reversion plans and sale-and-rentback agreements - raise important legal and regulatory issues. This book provides a contextual analysis of the financial transactions that older people enter into using their housing equity. It traces the protections afforded to older owners through the 'ordinary' law of property and contract, as well as the development of specific regulatory protections focused on targeted products. The book employs the notion of risk to highlight the nature and causes of the 'situational' vulnerabilities to which older people are now subject as 'consumers' of housing equity, showing that the older owner's personal situation is crucial in determining whether and why they may seek to release equity, the options and products available to them, and the impact of harms resulting from adverse transactions. The book critically evaluates the extent to which this context is incorporated in the legal frameworks through which these transactions are governed, as a measure of the 'appropriateness' of existing legal provision, as well as considering the arguments surrounding 'special protection' for older owners in housing equity transactions.
Download or read book Proposed EU Consumer credit Harmonisation Directive written by Great Britain: Parliament: House of Lords: European Union Committee and published by The Stationery Office. This book was released on 2005 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Evidence taken before Sub-committee G, Social and Consumer Affairs.
Download or read book The Coalition Effect 2010 2015 written by Anthony Seldon and published by Cambridge University Press. This book was released on 2015-03-19 with total page 645 pages. Available in PDF, EPUB and Kindle. Book excerpt: The British general election of May 2010 delivered the first coalition government since the Second World War. David Cameron and Nick Clegg pledged a 'new politics' with the government taking office in the midst of the worst economic crisis since the 1930s. Five years on, a team of leading experts drawn from academia, the media, Parliament, Whitehall and think tanks assesses this 'coalition effect' across a broad range of policy areas. Adopting the contemporary history approach, this pioneering book addresses academic and policy debates across this whole range of issues. Did the coalition represent the natural 'next step' in party dealignment and the evolution of multi-party politics? Was coalition in practice a historic innovation in itself, or did the essential principles of Britain's uncodified constitution remain untroubled? Fundamentally, was the coalition able to deliver on its promises made in the coalition agreement, and what were the consequences - for the country and the parties - of this union?
Download or read book State Aid Law of the European Union written by Herwig Hofmann and published by Oxford University Press. This book was released on 2016 with total page 657 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rules controlling State aid and subsidies on the EU and the WTO level touch nearly every aspect of national law. Written by a team of experts from the judiciary, practice, academia, and officials, this book provides a thorough and analytic approach to this vital area of law.
