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Book HC 281   Help to Buy equity loans

    Book Details:
  • Author : Great Britain: Parliament: House of Commons: Committee of Public Accounts
  • Publisher : The Stationery Office
  • Release : 2014-06-18
  • ISBN : 0215072995
  • Pages : 24 pages

Download or read book HC 281 Help to Buy equity loans written by Great Britain: Parliament: House of Commons: Committee of Public Accounts and published by The Stationery Office. This book was released on 2014-06-18 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Department for Communities & Local Government introduced the Help to Buy equity loan scheme in April 2013, with the objectives of increasing demand for new homes, making mortgage finance more accessible and affordable and encouraging developers to build more new homes. Under the Scheme, the Department makes equity loans to buyers financing up to 20% of the purchase price of newly-built properties that cost £600,000 or less, which supplements the buyers' own deposit of, normally, at least 5%. Buyers then raise a repayment mortgage of, typically, 75% of the property's value. The equity loan is interest-free for the first five years, and is paid back within 25 years, or when borrowers redeem their mortgage, for example when they sell their home. The Department initially aimed to spend up to £3.7 billion to help 74,000 households buy a new home by 2015-16. In the 2014 Budget the Government decided to extend the Scheme to March 2020, and was providing an extra £6 billion to support the purchase of a further 120,000 homes. The Scheme is administered by the Homes and Communities Agency, through its network of Help to Buy agents. The Committee has set out a number of recommendations for the Department & Agency, including: (i) Maintain downward pressure on the Scheme's costs; (ii) Follow the guidance in the HM Treasury Green Book, assessing a range of alternative options and presenting this analysis in its business case; (iii) Set out how they will protect the taxpayer and ensure they have the skills and capacity both to monitor and manage the loan portfolios; (iv) Develop a robust methodology to assess the Scheme's impact on both demand for, and supply of, new homes; (v) Assess the Scheme's effectiveness in different local and regional housing markets; (vi) Carry out a wider and integrated evaluation, assessing the combined impact of its major interventions in the housing market.

Book Looking for the Best Mortgage

Download or read book Looking for the Best Mortgage written by and published by . This book was released on 1999 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Book Income Limits

Download or read book Income Limits written by and published by . This book was released on 2019 with total page 1 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Book The Right to Buy

Download or read book The Right to Buy written by Colin Jones and published by John Wiley & Sons. This book was released on 2008-04-15 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: An evaluation of the most enduring privatisation of the Thatcher era ... Written in an accessible style, this is a key reference for students and researchers in housing and planning; geography; and social policy. The book analyses the operation and impact of the right to buy policy (RTB). It includes a critique of the Housing Act and the 2001 Housing (Scotland) Act. The enactment of these changes under a Labour government affirms the continuance of the RTB. The authors take stock of its profound effect on housing policy, reversing the growth in social housing developed over the twentieth century, transforming the nation's tenure structure and revolutionising the UK housing system. The Right to Buy: analysis and evaluation of a housing policy begins with an examination of the policy background to the establishment of the RTB and the main features of the legislation. This is followed by chapters that review its take-up and the pattern of sales and their impact on social housing; a chapter examining the financial aspects of the RTB from the viewpoints of tenants, local authorities and central government; one looking at the impact of the RTB via subsequent re-sales on the open market and on the private rented sector; and a chapter drawing on the information already reviewed to consider the potential of the RTB to create sustainable and diverse communities. In the final chapters the international experience of parallel policies are considered and the future take-up of the RTB is assessed in the light of recent reforms together with alternatives.

Book Buying a Home  The Missing Manual

Download or read book Buying a Home The Missing Manual written by Nancy Conner and published by "O'Reilly Media, Inc.". This book was released on 2010-04-13 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: Home ownership is a cornerstone of the American dream, but it's a complex process that, without the right guidance, can seem like a nightmare. This Missing Manual takes you through the process of buying a home, from start to finish. Along the way, you'll use the book's expert advice and fill-in forms to identify the house you want, figure out what kind of neighborhood you want to live in, determine what a target home is really worth, make an offer, and close the deal. Throughout the process, this book helps you: Realistically determine how much house you can afford Assemble a real estate team that's looking after your interests and not the seller's Understand the different ways to finance your house, and which is best for you Create an attractive offer with the best chance of acceptance Learn what lenders look for so you can get your mortgage approved Inspect your new home to uncover potential problems Prepare all the right paperwork for a smooth closing

Book The AI Book

    Book Details:
  • Author : Ivana Bartoletti
  • Publisher : John Wiley & Sons
  • Release : 2020-06-29
  • ISBN : 1119551900
  • Pages : 304 pages

Download or read book The AI Book written by Ivana Bartoletti and published by John Wiley & Sons. This book was released on 2020-06-29 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by prominent thought leaders in the global fintech space, The AI Book aggregates diverse expertise into a single, informative volume and explains what artifical intelligence really means and how it can be used across financial services today. Key industry developments are explained in detail, and critical insights from cutting-edge practitioners offer first-hand information and lessons learned. Coverage includes: · Understanding the AI Portfolio: from machine learning to chatbots, to natural language processing (NLP); a deep dive into the Machine Intelligence Landscape; essentials on core technologies, rethinking enterprise, rethinking industries, rethinking humans; quantum computing and next-generation AI · AI experimentation and embedded usage, and the change in business model, value proposition, organisation, customer and co-worker experiences in today’s Financial Services Industry · The future state of financial services and capital markets – what’s next for the real-world implementation of AITech? · The innovating customer – users are not waiting for the financial services industry to work out how AI can re-shape their sector, profitability and competitiveness · Boardroom issues created and magnified by AI trends, including conduct, regulation & oversight in an algo-driven world, cybersecurity, diversity & inclusion, data privacy, the ‘unbundled corporation’ & the future of work, social responsibility, sustainability, and the new leadership imperatives · Ethical considerations of deploying Al solutions and why explainable Al is so important

Book How to Win Friends and Influence People

Download or read book How to Win Friends and Influence People written by and published by ببلومانيا للنشر والتوزيع. This book was released on 2024-02-17 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: You can go after the job you want…and get it! You can take the job you have…and improve it! You can take any situation you’re in…and make it work for you! Since its release in 1936, How to Win Friends and Influence People has sold more than 30 million copies. Dale Carnegie’s first book is a timeless bestseller, packed with rock-solid advice that has carried thousands of now famous people up the ladder of success in their business and personal lives. As relevant as ever before, Dale Carnegie’s principles endure, and will help you achieve your maximum potential in the complex and competitive modern age. Learn the six ways to make people like you, the twelve ways to win people to your way of thinking, and the nine ways to change people without arousing resentment.

Book The Buy Nothing  Get Everything Plan

Download or read book The Buy Nothing Get Everything Plan written by Liesl Clark and published by Atria Books. This book was released on 2021-01-12 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the spirit of The Gentle Art of Swedish Death Cleaning and The Joy of Less, experience the benefits of buying less and sharing more with this accessible 7-step guide to decluttering, saving money, and creating community from the creators of the Buy Nothing Project. In their island community, friends Liesl Clark and Rebecca Rockefeller discovered that the beaches of Puget Sound were spoiled by a daily influx of plastic items and trash washing on shore. From pens and toothbrushes to toys and straws, they wondered, where did it all come from? Of course, it comes from us—our homes, our backyards, our cars, and our workplaces. And so, a rallying cry against excess stuff was born. In 2013, they launched the first Facebook Buy Nothing Project group in their small town off the coast of Seattle, and they never expected it to become a viral sensation. Today there are thousands of Buy Nothing groups all over the world, boasting more than a million members, and 5,000 highly active volunteers. Inspired by the ancient practice of gift economies, where neighbors share and pool resources,The Buy Nothing, Get Everything Plan introduces an environmentally conscious 7-step guide that teaches us how to buy less, give more, and live generously. At once an actionable plan and a thought-provoking exploration of our addiction to stuff, this powerful program will help you declutter your home without filling landfills, shop more thoughtfully and discerningly, and let go of the need to buy new things. Filled with helpful lists and practical suggestions including 50 items you never need to buy (Ziploc bags and paper towels) and 50 things to make instead (gift cards and salad dressing), The Buy Nothing, Get Everything Plan encourages you to rethink why you shop and embrace a space-saving, money-saving, and earth-saving mindset of buying less and sharing more.

Book Dead Aid

    Book Details:
  • Author : Dambisa Moyo
  • Publisher : Macmillan
  • Release : 2009-03-17
  • ISBN : 0374139563
  • Pages : 209 pages

Download or read book Dead Aid written by Dambisa Moyo and published by Macmillan. This book was released on 2009-03-17 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debunking the current model of international aid promoted by both Hollywood celebrities and policy makers, Moyo offers a bold new road map for financing development of the world's poorest countries.

Book Helping

    Book Details:
  • Author : Edgar H. Schein
  • Publisher : Berrett-Koehler Publishers
  • Release : 2011-02-07
  • ISBN : 1605098809
  • Pages : 188 pages

Download or read book Helping written by Edgar H. Schein and published by Berrett-Koehler Publishers. This book was released on 2011-02-07 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Strategy+Business Best Leadership Book of the Year: An “uncommonly wise” analysis of the psychological and social dynamics of helping relationships (Warren Bennis, author of On Becoming a Leader). Helping is a fundamental human activity, but it can also be a frustrating one. All too often, to our bewilderment, our sincere offers of help are resented, resisted, or refused—and we often react the same way when people try to help us. Why is it so difficult to provide or accept help? How can we make the whole process easier? Many words are used for helping: assisting, aiding, advising, caregiving, coaching, consulting, counseling, guiding, mentoring, supporting, teaching, and more. In this seminal book on the topic, corporate culture and organizational development guru Ed Schein analyzes the social and psychological dynamics common to all types of helping relationships, explains why help is often not helpful, and shows what any would-be helpers must do to ensure that their assistance is both welcomed and genuinely useful. He shows how to navigate the delicate acts of asking for or offering help; avoid pitfalls; mitigate power imbalances; and establish a solid foundation of trust—and how these techniques can be applied to teamwork and organizational leadership. From the bestselling author of Organizational Culture and Leadership, and illustrated with examples from many types of relationships—husbands and wives, doctors and patients, consultants and clients—Helping is a concise, definitive analysis of what it takes to establish successful, mutually satisfying helping relationships.

Book Financial Peace

Download or read book Financial Peace written by Dave Ramsey and published by Lampo. This book was released on 2002-01-01 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dave Ramsey explains those scriptural guidelines for handling money.

Book Social Q s

    Book Details:
  • Author : Philip Galanes
  • Publisher : Simon and Schuster
  • Release : 2012-11-27
  • ISBN : 145160579X
  • Pages : 262 pages

Download or read book Social Q s written by Philip Galanes and published by Simon and Schuster. This book was released on 2012-11-27 with total page 262 pages. Available in PDF, EPUB and Kindle. Book excerpt: A series of whimsical essays by the New York Times "Social Q's" columnist provides modern advice on navigating today's murky moral waters, sharing recommendations for such everyday situations as texting on the bus to splitting a dinner check.

Book Writing Your Journal Article in Twelve Weeks

Download or read book Writing Your Journal Article in Twelve Weeks written by Wendy Laura Belcher and published by SAGE. This book was released on 2009-01-20 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides you with all the tools you need to write an excellent academic article and get it published.

Book Credit Help  Get the Credit You Need to Buy Real Estate

Download or read book Credit Help Get the Credit You Need to Buy Real Estate written by and published by Joy to the Home. This book was released on with total page 173 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Book Buy Gold and Silver Safely

Download or read book Buy Gold and Silver Safely written by Doug Eberhardt and published by Buy Gold and Silver Safely. This book was released on 2010-09-02 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: We Americans are never taught anything about gold and silver through our education system. That's why many gold dealers are able to easily rip off unsuspecting buyers of gold and silver.Financial advisors and journalists aren't giving you the truth either, as to how gold and silver fit into a properly diversified portfolio. So naturally, people are looking for answers."Buy Gold and Silver Safely" provides those answers by explaining why gold and silver need to be a part of everyone's portfolio, and helping people learn about buying or selling gold and silver... the safe way.

Book Broke Millennial Takes On Investing

Download or read book Broke Millennial Takes On Investing written by Erin Lowry and published by Penguin. This book was released on 2019-04-09 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: A guide to investing basics by the author of Broke Millennial, for anyone who feels like they aren't ready (or rich enough) to get into the market Millennials want to learn how to start investing. The problem is that most have no idea where to begin. There's a significant lack of information out there catering to the concerns of new millennial investors, such as: * Should I invest while paying down student loans? * How do I invest in a socially responsible way? * What about robo-advisors and apps--are any of them any good? * Where can I look online for investment advice? In this second book in the Broke Millennial series, Erin Lowry answers those questions and delivers all of the investment basics in one easy-to-digest package. Tackling topics ranging from common terminology to how to handle your anxiety to retirement savings and even how to actually buy and sell a stock, this hands-on guide will help any investment newbie become a confident player in the market on their way to building wealth.

Book Individual retirement arrangements  IRAs

Download or read book Individual retirement arrangements IRAs written by United States. Internal Revenue Service and published by . This book was released on 1990 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: