Borrowing Constraints Housing Tenure Choice And Buy To Let Investors

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Borrowing Constraints, Housing Tenure Choice and Buy-to-let Investors

Author : Jan Rouwendal
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (137 download)

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Book Synopsis Borrowing Constraints, Housing Tenure Choice and Buy-to-let Investors by : Jan Rouwendal

Download or read book Borrowing Constraints, Housing Tenure Choice and Buy-to-let Investors written by Jan Rouwendal and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study the effect of borrowing constraints in an assignment model of the housing market. When constraints apply symmetrically to all households, these lead to lower prices but unchanged housing consumption. When households can invest their own wealth and may differ in tastes, borrowing constraints will in general result in lower house prices and higher housing consumption for unconstrained households, while housing consumption of constrained households may fall. Binding borrowing constraints result in profitable arbitrage possibilities for buy-to-let investors. They can buy houses that are preferred by constrained households unable to finance them, and make them available as rental housing. In an equilibrium with free entry of such investors, house prices and the allocation of houses to households is the same as without borrowing constraints.

R and D Spillovers and Global Growth

Author : Alan B. Krueger
Publisher :
ISBN 13 :
Total Pages : 36 pages
Book Rating : 4.:/5 (35 download)

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Book Synopsis R and D Spillovers and Global Growth by : Alan B. Krueger

Download or read book R and D Spillovers and Global Growth written by Alan B. Krueger and published by . This book was released on 1996 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Low-Income Homeownership

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815706030
Total Pages : 512 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Low-Income Homeownership by : Nicolas P. Retsinas

Download or read book Low-Income Homeownership written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2004-05-28 with total page 512 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication A generation ago little attention was focused on low-income homeownership. Today homeownership rates among under-served groups, including low-income households and minorities, have risen to record levels. These groups are no longer at the margin of the housing market; they have benefited from more flexible underwriting standards and greater access to credit. However, there is still a racial/ethnic gap and the homeownership rates of minority and low-income households are still well below the national average. This volume gathers the observations of housing experts on low-income homeownership and its effects on households and communities. The book is divided into five chapters which focus on the following subjects: homeownership trends in the 1990s; overcoming borrower constraints; financial returns to low-income homeowners; low-income loan performance; and the socioeconomic impact of homeownership.

Borrowing Constraints, Home Ownership and Housing Choice

Author : Kristian Blickle
Publisher :
ISBN 13 :
Total Pages : 70 pages
Book Rating : 4.:/5 (13 download)

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Book Synopsis Borrowing Constraints, Home Ownership and Housing Choice by : Kristian Blickle

Download or read book Borrowing Constraints, Home Ownership and Housing Choice written by Kristian Blickle and published by . This book was released on 2018 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study the impact of borrowing constraints on home ownership and housing demand by comparing the tenure choice and housing quality of consumers who receive intra-family wealth transfers to those that do not. Our analysis is based on household-level panel data providing information on the receipt of wealth transfers, changes in tenure status as well as changes in the size and quality of housing. On average we find that the receipt of a wealth transfer increases the propensity of consumers to transition from renters to home-owners by 6-8 percentage points (35% of the sample mean). Additional analyses suggest that this effect is unlikely to be driven by wealth effects and thus can be attributed to the relaxation of borrowing constraints. By contrast, wealth transfers do not increase the likelihood that existing homeowners “trade-up” to larger homes in better locations.

Regional and Urban Economics and Economic Development

Author : Mary E. Edwards
Publisher : Routledge
ISBN 13 : 1351551671
Total Pages : 741 pages
Book Rating : 4.3/5 (515 download)

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Book Synopsis Regional and Urban Economics and Economic Development by : Mary E. Edwards

Download or read book Regional and Urban Economics and Economic Development written by Mary E. Edwards and published by Routledge. This book was released on 2017-09-25 with total page 741 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thorough and authoritative, Regional and Urban Economics and Economic Development: Theory and Methods provides students with a sound approach to analyzing the economic progress of a region or urban area. The textbook is divided into four sections for ease of reference. The first section, Market Areas and Firm Location Analysis introduces spatial economics and location theory, while the next section, Regional Growth and Development analyzes regional growth and development models and policy. Introducing the foundations of urban economics, Urban Land Use and Urban Form examines land rent, land use patterns, and the effects of attempts to control land uses. The final section, Urban Problems and Policy, investigates local public finance and introduces the policy analysis involved in countering urban problems. Addressing these topics from the perspectives of how they affect the population at large and how they become established within public policy, Regional and Urban Economics and Economic Development: Theory and Methods provides students with an essential foundation not only to understand but also to contemplate the dynamics of varying economic factors as they relate to an area's growth.

Rental Housing

Author : Ira Gary Peppercorn
Publisher : World Bank Publications
ISBN 13 : 0821396552
Total Pages : 178 pages
Book Rating : 4.8/5 (213 download)

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Book Synopsis Rental Housing by : Ira Gary Peppercorn

Download or read book Rental Housing written by Ira Gary Peppercorn and published by World Bank Publications. This book was released on 2013-03-20 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: The discussion of where people live and how people pay for their housing has undergone a significant shift. Until the mortgage crisis erupted in 2008, the housing policy of most nations focused on increasing home ownership. There had been very little discussion about rental housing, less about social housing, and virtually none about public housing. The mortgage crisis showed the challenges inherent in pushing for home ownership for all. With homes going into foreclosure and with credit tightening in many countries, the need for rental housing increased dramatically. However, most countries are only beginning to consider supporting rental housing as a shelter option. This book is an effort to bring rental housing to the forefront of the housing agenda and to provide general guidance to policy makers. The information it provides can assist key players in housing markets--government officials, private rental property owners, financiers, and nongovernmental organizations--in including rental housing as a critical housing option and in having an informed discussion on how best to stimulate this sector.

Borrowing Constraints and the Tenure of Young Households

Author : Donald R. Haurin
Publisher :
ISBN 13 :
Total Pages : 23 pages
Book Rating : 4.:/5 (99 download)

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Book Synopsis Borrowing Constraints and the Tenure of Young Households by : Donald R. Haurin

Download or read book Borrowing Constraints and the Tenure of Young Households written by Donald R. Haurin and published by . This book was released on 1996 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Optimal Consumption and Portfolio Choices with Risky Housing and Borrowing Constraints

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (129 download)

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Book Synopsis Optimal Consumption and Portfolio Choices with Risky Housing and Borrowing Constraints by :

Download or read book Optimal Consumption and Portfolio Choices with Risky Housing and Borrowing Constraints written by and published by . This book was released on 2010 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: We examine the optimal dynamic portfolio decisions for investors who acquire housing services from either renting or owning a house. Our results show that when indifferent between owning and renting, investors owning a house hold a lower equity proportion in their net worth (bonds, stocks, and home equity), reflecting the substitution effect, yet hold a higher equity proportion in their liquid portfolios (bonds and stocks), reflecting the diversification effect. Furthermore, following the suboptimal policy of always renting leads investors to overweigh in stocks, while following the suboptimal policy of always owning a house causes investors to underweigh in stocks.

The Economics of Housing Markets

Author : A. Goodman
Publisher : Taylor & Francis
ISBN 13 : 113646106X
Total Pages : 165 pages
Book Rating : 4.1/5 (364 download)

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Book Synopsis The Economics of Housing Markets by : A. Goodman

Download or read book The Economics of Housing Markets written by A. Goodman and published by Taylor & Francis. This book was released on 2013-07-04 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: A state of the art overview of theoretical and empirical aspects of housing market research.

Understanding Consumption

Author : Angus Deaton
Publisher : Oxford University Press
ISBN 13 : 9780198288244
Total Pages : 260 pages
Book Rating : 4.2/5 (882 download)

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Book Synopsis Understanding Consumption by : Angus Deaton

Download or read book Understanding Consumption written by Angus Deaton and published by Oxford University Press. This book was released on 1992 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: An overview of the saving and consumption patterns of households

Borrowing Constraints and the Tenure Choice of Young Households

Author :
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (124 download)

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Book Synopsis Borrowing Constraints and the Tenure Choice of Young Households by :

Download or read book Borrowing Constraints and the Tenure Choice of Young Households written by and published by . This book was released on 1996 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Tenure Trends in the UK Housing System

Author : Ben Pattison
Publisher : BSHF
ISBN 13 : 1901742180
Total Pages : 53 pages
Book Rating : 4.9/5 (17 download)

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Book Synopsis Tenure Trends in the UK Housing System by : Ben Pattison

Download or read book Tenure Trends in the UK Housing System written by Ben Pattison and published by BSHF. This book was released on 2010 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Study of Housing Investment and Housing Market Behaviour

Author : Olavi Rantala
Publisher :
ISBN 13 :
Total Pages : 128 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis A Study of Housing Investment and Housing Market Behaviour by : Olavi Rantala

Download or read book A Study of Housing Investment and Housing Market Behaviour written by Olavi Rantala and published by . This book was released on 1986 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Companion to Urban Economics

Author : Richard J. Arnott
Publisher : John Wiley & Sons
ISBN 13 : 1405178353
Total Pages : 608 pages
Book Rating : 4.4/5 (51 download)

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Book Synopsis A Companion to Urban Economics by : Richard J. Arnott

Download or read book A Companion to Urban Economics written by Richard J. Arnott and published by John Wiley & Sons. This book was released on 2008-04-15 with total page 608 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Companion to Urban Economics provides a state-of-the-artoverview of this field, communicating its intellectual richnessthrough a diverse portfolio of authors and topics. Unique in both its rigor and international treatment An ideal supplementary textbook in upper-level undergraduateurban economics courses, or in master's level and professionalcourses, providing students with the necessary foundation to tacklemore advanced topics in urban economics Contains contributions from the world’s leading urbaneconomists

Revisiting Rental Housing

Author : Nicolas P. Retsinas
Publisher : Brookings Institution Press
ISBN 13 : 0815774125
Total Pages : 382 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Revisiting Rental Housing by : Nicolas P. Retsinas

Download or read book Revisiting Rental Housing written by Nicolas P. Retsinas and published by Brookings Institution Press. This book was released on 2008-07-01 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Brookings Institution Press and Harvard University Joint Center for Housing Studies publication Rental housing is increasingly recognized as a vital housing option in the United States. Government policies and programs continue to grapple with problematic issues, however, including affordability, distressed urban neighborhoods, concentrated poverty, substandard housing stock, and the unmet needs of the disabled, the elderly, and the homeless. In R evisiting Rental Housing, leading housing researchers build upon decades of experience, research, and evaluation to inform our understanding of the nation's rental housing challenges and what can be done about them. It thoughtfully addresses not only present issues affecting rental housing, but also viable solutions. The first section reviews the contributing factors and primary problems generated by the operation of rental markets. In the second section, contributors dissect how policies and programs have—or have not—dealt with the primary challenges; what improvements—if any—have been gained; and the lessons learned in the process. The final section looks to potential new directions in housing policy, including integrating best practices from past lessons into existing programs, and new innovations for large-scale, long-term market and policy solutions that get to the root of rental housing challenges. Contributors include William C. Apgar (Harvard University), Anthony Downs (Brookings), Rachel Drew (Harvard University), Ingrid Gould Ellen (New York University), George C. Galster (Wayne State University), Bruce Katz (Brookings), Jill Khadduri (Abt Associates), Shekar Narasimhan (Beekman Advisors), Rolf Pendall (Cornell University), John M. Quigley (University of California–Berkeley), James A. Riccio (MDRC), Stuart S. Rosenthal (Syracuse University), Margery Austin Turner (Urban Institute), and Charles Wilkins (Compass Group).

International Trends in Housing Tenure and Mortgage Finance

Author : Kathleen Scanlon
Publisher :
ISBN 13 : 9780954457860
Total Pages : 145 pages
Book Rating : 4.4/5 (578 download)

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Book Synopsis International Trends in Housing Tenure and Mortgage Finance by : Kathleen Scanlon

Download or read book International Trends in Housing Tenure and Mortgage Finance written by Kathleen Scanlon and published by . This book was released on 2004 with total page 145 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Housing and the Financial Crisis

Author : Edward L. Glaeser
Publisher : University of Chicago Press
ISBN 13 : 9780226030586
Total Pages : 0 pages
Book Rating : 4.0/5 (35 download)

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Book Synopsis Housing and the Financial Crisis by : Edward L. Glaeser

Download or read book Housing and the Financial Crisis written by Edward L. Glaeser and published by University of Chicago Press. This book was released on 2013-08-19 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conventional wisdom held that housing prices couldn’t fall. But the spectacular boom and bust of the housing market during the first decade of the twenty-first century and millions of foreclosed homeowners have made it clear that housing is no different from any other asset in its ability to climb and crash. Housing and the Financial Crisis looks at what happened to prices and construction both during and after the housing boom in different parts of the American housing market, accounting for why certain areas experienced less volatility than others. It then examines the causes of the boom and bust, including the availability of credit, the perceived risk reduction due to the securitization of mortgages, and the increase in lending from foreign sources. Finally, it examines a range of policies that might address some of the sources of recent instability.