Milestones In European Housing Finance

Author : Jens Lunde,Christine Whitehead
Publisher : John Wiley & Sons
Page : 488 pages
File Size : 53,7 Mb
Release : 2016-01-08
Category : Business & Economics
ISBN : 9781118929445

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Milestones in European Housing Finance by Jens Lunde,Christine Whitehead Pdf

This book provides evidence on how housing finance markets developed across Europe. The objective of the text is to bring together up to date material from across Europe which will help to clarify (i) how national housing finance markets have dealt with the challenges of deregulation and privatisation since the 1980s,(ii) how the financial crisis has impacted on the structure of the industry and the range of financial instruments available, (iii) how governments and the EU have responded to increasing risks and higher indebtedness in most West European countries and the need to grow new finance markets in Eastern Europe, and (iv) how changing housing finance markets impact on the capacity to provide adequate affordable housing into the future.

Author : Jens Lunde,Christine Whitehead
Publisher : John Wiley & Sons
Page : 483 pages
File Size : 46,6 Mb
Release : 2016-02-16
Category : Business & Economics
ISBN : 9781118929452

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Milestones in European Housing Finance by Jens Lunde,Christine Whitehead Pdf

This book provides evidence on how housing finance markets developed across Europe. The objective of the text is to bring together up to date material from across Europe which will help to clarify (i) how national housing finance markets have dealt with the challenges of deregulation and privatisation since the 1980s,(ii) how the financial crisis has impacted on the structure of the industry and the range of financial instruments available, (iii) how governments and the EU have responded to increasing risks and higher indebtedness in most West European countries and the need to grow new finance markets in Eastern Europe, and (iv) how changing housing finance markets impact on the capacity to provide adequate affordable housing into the future.

Author : Adam J. Levitin,Susan M. Wachter
Publisher : Harvard University Press
Page : 401 pages
File Size : 45,7 Mb
Release : 2020-06-09
Category : Business & Economics
ISBN : 9780674979659

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The Great American Housing Bubble by Adam J. Levitin,Susan M. Wachter Pdf

The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.

Author : Schmid, Christoph U.
Publisher : Edward Elgar Publishing
Page : 416 pages
File Size : 55,5 Mb
Release : 2022-07-15
Category : Law
ISBN : 9781800377448

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Ways out of the European Housing Crisis by Schmid, Christoph U. Pdf

This timely book provides readers with a detailed comparative survey of tenure innovation and diversification in Europe. Alternative and intermediate tenures, i.e., housing options beyond tenancy and homeownership, are examined as remedies to address the growing European housing crisis.

Author : P. Arestis,P. Mooslechner,Karin Wagner
Publisher : Springer
Page : 269 pages
File Size : 41,8 Mb
Release : 2009-11-18
Category : Business & Economics
ISBN : 9780230246980

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Housing Market Challenges in Europe and the United States by P. Arestis,P. Mooslechner,Karin Wagner Pdf

Housing finance structures and Institutional and regulatory/fiscal aspects in housing have changed significantly in recent years. This book examines the development in housing markets in Europe and the US, and looks at ways to make housing more affordable and housing market developments more stable.

Author : Sigríður Kristjánsdóttir
Publisher : Routledge
Page : 324 pages
File Size : 51,9 Mb
Release : 2017-08-23
Category : Architecture
ISBN : 9781317086772

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Nordic Experiences of Sustainable Planning by Sigríður Kristjánsdóttir Pdf

For well over a decade, there has been a drive towards sustainability in planning throughout the Nordic countries. But are these countries experiencing a paradigm shift in planning research and practice with regards to sustainability? Or is the sustainability discourse leading them into an impasse in planning? This book includes overviews of the planning systems in the five Nordic countries, drawing attention to their increasing focus on sustainability. A leading team of scholars from the fields of planning, urban design, architecture, landscape, economics, real estate and tourism explore how the notion of sustainability has shaped planning research in the Nordic countries. Case studies from Iceland, Sweden, Finland, Norway and Denmark shed light on what lessons can be learned and some possible future developments. By focusing on the actual settings and practices of local and regional planning activities, it enables a discussion on the current state of planning for a more sustainable future. This book will be valuable reading for students and academics interested in planning policy, environmental policy, architecture and urban design work.

Author : Jill E. Twark
Publisher : Berghahn Books
Page : 278 pages
File Size : 44,7 Mb
Release : 2022-11-11
Category : History
ISBN : 9781800736948

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Invested Narratives by Jill E. Twark Pdf

German economic crises from the past two hundred years have provoked diverse responses from journalists, politicians, scholars, and fiction writers. Among their responses, storylines have developed as proposals for reducing unemployment, improving workplace conditions, and increasing profitability when stock markets tumble, accompanied by inflation, deflation, and overwhelming debt. The contributors to Invested Narratives assess German-language economic crisis narratives from the interdisciplinary perspectives of finance, economics, political science, sociology, history, literature, and cultural studies. They interpret the ways German society has tried to comprehend, recover from, and avoid economic crises and in doing so widen our understanding of German economic debates and their influence on German society and the European Union.

Author : Josh Ryan-Collins
Publisher : John Wiley & Sons
Page : 140 pages
File Size : 42,9 Mb
Release : 2018-11-26
Category : Political Science
ISBN : 9781509523290

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Why Can't You Afford a Home? by Josh Ryan-Collins Pdf

Throughout the Western world, a whole generation is being priced out of the housing market. For millions of people, particularly millennials, the basic goal of acquiring decent, affordable accommodation is a distant dream. Leading economist Josh Ryan-Collins argues that to understand this crisis, we must examine a crucial paradox at the heart of modern capitalism. The interaction of private home ownership and a lightly regulated commercial banking system leads to a feedback cycle. Unlimited credit and money flows into an inherently finite supply of property, which causes rising house prices, declining home ownership, rising inequality and debt, stagnant growth and financial instability. Radical reforms are needed to break the cycle. This engaging and topical book will be essential reading for anyone who wants to understand why they can’t find an affordable home, and what we can do about it.

Author : OECD
Publisher : OECD Publishing
Page : 124 pages
File Size : 48,5 Mb
Release : 2016-05-10
Category : Electronic
ISBN : 9789264256118

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OECD Economic Surveys: Denmark 2016 by OECD Pdf

This 2016 OECD Economic Survey of the Denmark examines recent economic developments, policies and prospects. The special chapters cover: Macroeconomic and financial risk; Ageing and wellbeing.

Author : Sebastiano Fadda,Pasquale Tridico
Publisher : Taylor & Francis
Page : 260 pages
File Size : 43,5 Mb
Release : 2017-07-14
Category : Business & Economics
ISBN : 9781315388816

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Inequality and Uneven Development in the Post-Crisis World by Sebastiano Fadda,Pasquale Tridico Pdf

In the years following the financial crash, two issues have become central to the debate in economics: inequality and the uneven nature of sustainable development. These two issues are at the core of this book which aims to explain three key questions: why inequality has increased so much in the last three decades; why most advanced economies are stagnating or are experiencing moderate economic growth; and why, even where economic growth is occurring, the quality of that growth is questioned. Inequality and Uneven Development in the Post-Crisis World is divided into three parts. The first part concerns the theoretical aspects of inequality, and ethical issues regarding economics and equality. The second part explores empirical evidence and policy suggestions drawing on the uneven levels of development and unprecedented levels of inequality experienced among advanced economies in the context of global financial capitalism. The third part focuses on sustainable development issues such as full employment, social costs of global trade liberalization, environmental sustainability and ecological issues. Along with inequality these issues are central for capitalism and for economic development. This volume is of interest to those who study political economy, sustainable development and social inequality.

Author : Michael Oxley
Publisher : UN-HABITAT
Page : 62 pages
File Size : 41,7 Mb
Release : 2009
Category : Europe
ISBN : 9789211321586

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Financing Affordable Social Housing in Europe by Michael Oxley Pdf

Author : Mark Kleinman,Walter Matznetter,Mark Stephens
Publisher : Routledge
Page : 321 pages
File Size : 40,8 Mb
Release : 2005-07-28
Category : Science
ISBN : 9781134699209

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European Integration and Housing Policy by Mark Kleinman,Walter Matznetter,Mark Stephens Pdf

Good mix of analytical chapters and descriptive case studies Authors are very well known in the field

Author : OECD
Publisher : OECD Publishing
Page : 316 pages
File Size : 44,6 Mb
Release : 2005-08-10
Category : Electronic
ISBN : 9789264010178

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Housing Finance Markets in Transition Economies Trends and Challenges by OECD Pdf

A comprehensive issue-by-issue and country-by-country study of housing markets and housing finance markets in Central and Eastern Europe.

Author : Anonim
Publisher : Unknown
Page : 0 pages
File Size : 43,5 Mb
Release : 2010
Category : Electronic
ISBN : 9289903805

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Housing Finance in the Euro Area by Anonim Pdf

Author : Bertrand Renaud
Publisher : Unknown
Page : 28 pages
File Size : 51,5 Mb
Release : 1996
Category : Housing
ISBN : UCSD:31822021343256

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Housing Finance in Transition Economies by Bertrand Renaud Pdf