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Author : Luigi Guiso
Publisher :
ISBN 13 :
Total Pages : 86 pages
Book Rating : 4.:/5 (318 download)
Download or read book Intergenerational Transfers, Borrowing Constraints and the Timing of Home Ownership written by Luigi Guiso and published by . This book was released on 1996 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Luigi Guiso
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.X/5 (6 download)
Download or read book Private Transfers, Borrowing Constraints and the Timing of Home Ownership written by Luigi Guiso and published by . This book was released on 1998 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Gary V. Engelhardt
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (129 download)
Download or read book Intergenerational Transfers, Borrowing Constraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 2011 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines the effects of intergenerational transfers on saving behavior by examining private wealth transfers targeted toward first-time home purchases. The study of transfer behavior in the housing market is advantageous for a number of reasons: the down payment requirement associated with home purchase can be thought of as an important, well-defined borrowing constraint that most U.S. households face; private wealth transfers targeted to home purchases are significant; and home equity is a highly important component of household wealth in the United States. The empirical analysis shows that transfer recipients have a saving rate that is lower than that of non-recipients by as much as 6 percentage points, representing a reduction of 39 to 49 percent in the household saving rate. In addition, households that receive transfers reduce the time required to save for the down payment by 22 percent. For each dollar of transfer received, households increase the dollar amount of the down payment by about 85 cents, allowing them to achieve a higher down payment threshold. Households also increase the value of the home purchased upon receiving a transfer, but by an amount that is much lower than would be possible if the transfer were fully leveraged. The amount of the transfer appears to be targeted to help households achieve certain down payment thresholds that give favorable terms on mortgages. Although the evidence suggests that the availability of a transfer reduces household savings, we cannot reject the alternative hypothesis that transfer recipients are inherently low savers.
Author : Gary V. Engelhardt
Publisher :
ISBN 13 :
Total Pages : 50 pages
Book Rating : 4.3/5 (91 download)
Download or read book Intergenerational Transfers, Borrowing Constraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 1995 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Kristian Blickle
Publisher :
ISBN 13 :
Total Pages : 70 pages
Book Rating : 4.:/5 (13 download)
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.
Author : Edward J. Seiler
Publisher :
ISBN 13 :
Total Pages : 15 pages
Book Rating : 4.:/5 (61 download)
Download or read book Intergenerational Transfers, Borrowing Constraints and Household Size written by Edward J. Seiler and published by . This book was released on 1999 with total page 15 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Karin Kurz
Publisher : Stanford University Press
ISBN 13 : 0804767246
Total Pages : 408 pages
Book Rating : 4.8/5 (47 download)
Download or read book Home Ownership and Social Inequality in Comparative Perspective written by Karin Kurz and published by Stanford University Press. This book was released on 2004-07-09 with total page 408 pages. Available in PDF, EPUB and Kindle. Book excerpt: This cross-national comparative study analyzes the relationship between social inequality and the attainment of home ownership over the life course in 12 countries.
Author : Christian Lennartz
Publisher : Routledge
ISBN 13 : 1000021742
Total Pages : 238 pages
Book Rating : 4.0/5 ( download)
Download or read book Housing Careers, Intergenerational Support and Family Relations written by Christian Lennartz and published by Routledge. This book was released on 2020-06-09 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this comprehensive volume, authors from across the social sciences explore how housing wealth transfers have impacted the integration of families, society and the economy, with a focus on the (re)negotiation of the ‘generational contract’. While housing has always been central to the realization and reproduction of families, more recently, the mutual embedding of home and family has become more obvious as realignments in housing markets, employment and welfare states have worked together to undermine housing access for new households, enhancing intergenerational interdependencies. More families have thus become involved in smoothening the routes of younger adult members into and up the ‘housing ladder’. While intergenerational support appears to have become much more widespread, it remains highly differentiated across countries, cities and regions, as well as uneven between social and income classes. This book addresses the increasing role that family support, and intergenerational transfers in particular, are playing in sustaining the formation of new households and the transition of young adults towards social and economic autonomy. The authors draw on diverse international cases and a variety of methodologies in order to advance our understanding of housing as a key driver of contemporary social relations and inequalities. Chapters 1, 4, 6, 7, 8, and 9 of this book are freely available as downloadable Open Access PDFs at https://www.taylorfrancis.com under a Creative Commons Attribution-Non Commercial-No Derivatives (CC-BY-NC-ND) 4.0 license (Chapters 1, 6, 8, and 9) and a Creative Commons Attribution (CC-BY) 4.0 license (Chapters 4 and 7).
Author : Beverley A. Searle
Publisher : Vernon Press
ISBN 13 : 1622733509
Total Pages : 218 pages
Book Rating : 4.6/5 (227 download)
Download or read book Generational Interdependencies: The Social Implications for Welfare written by Beverley A. Searle and published by Vernon Press. This book was released on 2018-01-15 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: The issue of generational transfers is growing in importance. Populations are ageing, placing an increasing burden on provision of pensions, health care and other welfare services. In many nations the imbalance between a growing, older generation, supported by a shrinking younger generation, has fuelled debates about intergenerational justice. The key argument being that political and institutional developments over the last century have been to the advantage of older generations at the expense of current younger and future generations. But this only addresses half of the story, neglecting the flows of resources, through private, family channels. One key response to the growing fiscal problem of ageing societies has been to focus responsibility on self-funding and familial support. The growth of asset values, particularly housing, which are concentrated among the elderly, underpin such strategies. But this exposes new risks as potentially extractable resources are determined by wider fluctuations in the economy, and housing markets in particular. Clearly, these cohort effects, and responses to them, play out differently in different national developmental settings, depending on long-run patterns of economic, social and demographic change. This collection address these issues and provides original insights across different international contexts. The collection focusses on financial and non-financial transfers, generational interdependencies, and the role of labour and housing markets in welfare support, set against the changing economic landscape following the Great Financial Crisis of 2007. Although institutional and national differences exist the key emerging issues are the same: the financial and welfare challenges of supporting aging in societies; inequalities in the availability of assets across individuals, families and nations; and the extent to which private asset accumulation can support families over the life course. Drawing from examples across European countries, this collection will nonetheless be relevant to researchers and policy makers in other nations addressing the complexities of providing welfare across the life course in the face of restricted financial resources.
Author : Gary V. Engelhardt
Publisher :
ISBN 13 :
Total Pages : 38 pages
Book Rating : 4.:/5 (642 download)
Download or read book Intergenerational Transfers, Borrowing Contraints, and Saving Behavior written by Gary V. Engelhardt and published by . This book was released on 1995 with total page 38 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Richard Ronald
Publisher : Routledge
ISBN 13 : 1136592741
Total Pages : 242 pages
Book Rating : 4.1/5 (365 download)
Download or read book Beyond Home Ownership written by Richard Ronald and published by Routledge. This book was released on 2012-03-12 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: In context of ongoing transformations in housing markets and socioeconomic conditions, this book focuses on past, current and future roles of home ownership in social policies and welfare practices. It considers owner-occupied housing in terms of diverse meanings and manifestations, but in particular the part played by housing tenure in the political, socioeconomic and demographic changes that have characterized the pre- and post-crisis era. The intensified promotion of home ownership in recent decades helped stimulate an increasing orientation towards the private consumption of housing, not only as a home, but also an asset – or possibly speculative vehicle – that enhances household economic capacity and can be transferred to children or other family, or even exchanged for other goods. The latest global financial crisis, however, made it clear that owner-occupied housing markets and mortgage sectors have become deeply embedded in networks of socioeconomic interdependency and risk. This collection engages with numerous debates on housing and society in a range of developed societies from North America to Asia-Pacific to North, South, East and West Europe. Interdisciplinary contributors draw upon diverse empirical data to explore how housing and home ownership has become so embedded in polity, economy and household welfare conditions in various social and cultural contexts. Another concern is what lies beyond home ownership considering the integration of housing systems with economic growth and social stability appears to be unravelling. This volume speaks to public debates concerning the future of housing markets, policy and tenure, providing deep and provocative insights for academics, students and professionals alike.
Author : Richard Ronald
Publisher : Taylor & Francis
ISBN 13 : 1000784738
Total Pages : 190 pages
Book Rating : 4.0/5 (7 download)
Download or read book Families, Housing and Property Wealth in a Neoliberal World written by Richard Ronald and published by Taylor & Francis. This book was released on 2022-11-23 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: The twenty-first century has so far been characterized by ongoing realignments in the organization of the economy around housing and real estate. Markets have boomed and bust and boomed again with residential property increasingly a focus of wealth accumulation practices. While analyses have largely focussed on global flows of capital and large institutions, families have served as critical actors. Housing properties are family goods that shape how members interact, organise themselves, and deal with the vicissitudes of everyday economic life. Families have, moreover, increasingly mobilized around their homes as assets, aligning household transitions and practices towards the accumulation of property wealth. The capacities of different families to realise this, however, are highly uneven with housing conditions becoming increasingly central to growing inequalities and processes of social stratification. This book addresses changing relationships between families and their homes over the latest period of neo-liberalization. The book confronts how transformations in households, life-course transitions, kinship and intergenerational relations shape, and are being shaped by, the shifting role of property markets in social and economic processes. The chapters explore this in terms of different aspects of home, family life and socioeconomic change across varied national contexts.
Author : Ray Forrest
Publisher : Routledge
ISBN 13 : 0415633354
Total Pages : 266 pages
Book Rating : 4.4/5 (156 download)
Download or read book Young People and Housing written by Ray Forrest and published by Routledge. This book was released on 2013 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Young People and Housing brings together new research exploring the economic, social, and cultural challenges that face young people in search of permanent housing. Featuring international case studies from Asia, Europe, and Australia, Young People and Housing is a collection of groundbreaking work from leading scholars in housing policy. Younger generations across a wide range of societies face increasing difficulties in gaining access to housing. Housing occupies a pivotal position in the transition from parental dependence to adult independence. Delayed independence has significant implications for marriage and family formation, fertility, inter and intra generational tensions, social mobility and social inequalities. The social and cultural dimensions are, of course, enormously varied with strong contrasts between Asian and Western societies in terms of intergenerational norms and practices in relation to housing. Nevertheless, younger households in China (including Hong Kong), Japan, the USA, Australasia and Europe face very similar challenges in the housing sphere. Moreover, concerns about the housing future for younger generations are gaining greater policy and popular prominence in many countries.
Author : L. Bruni
Publisher : Edward Elgar Publishing
ISBN 13 : 1847204155
Total Pages : 635 pages
Book Rating : 4.8/5 (472 download)
Download or read book Handbook on the Economics of Happiness written by L. Bruni and published by Edward Elgar Publishing. This book was released on 2007-01-01 with total page 635 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is a welcome consolidation and extension of the recent expanding debates on happiness and economics. Happiness and economics, as a new field for research, is now of pivotal interest particularly to welfare economists and psychologists.
Author : David F Clapham
Publisher : SAGE
ISBN 13 : 1473971357
Total Pages : 710 pages
Book Rating : 4.4/5 (739 download)
Download or read book The SAGE Handbook of Housing Studies written by David F Clapham and published by SAGE. This book was released on 2012-04-20 with total page 710 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-disciplinary and critical in its approach, The SAGE Handbook of Housing Studies is an elucidating look at the key issues within the field. It covers the study of housing retrospectively, but also analyses the future directions of research and theory, demonstrating how it can contribute to wider debates in the social sciences. A comprehensive introductory chapter is followed by four parts offering complete coverage of the area: Markets: examines the perception of housing markets, how they function in different contexts, and the importance of housing behaviour and neighbourhoods Approaches: looks at how other disciplines - economics, geography, and sociology - have informed the direction of housing studies Context: traces the interactions between housing studies and other aspects of society, providing context to debate housing through issues of space, social, welfare and the environment. Policy: is a multi-disciplinary and comprehensive take on the major policy issues and the causes and possible solutions of housing problems such as regeneration and homelessness. Edited by leading names in the field and including international contributions, the book is a stimulating, wide-ranging read that will be an invaluable resource for academics and researchers in geography, urban studies, sociology, social policy, economics and politics.
Author : Edward N. Wolff
Publisher : Edward Elgar Publishing
ISBN 13 : 1847203175
Total Pages : 461 pages
Book Rating : 4.8/5 (472 download)
Download or read book International Perspectives on Household Wealth written by Edward N. Wolff and published by Edward Elgar Publishing. This book was released on 2006-01-01 with total page 461 pages. Available in PDF, EPUB and Kindle. Book excerpt: Editor Wolff is a leading authority on income, wealth, and inequality in the US, and contributing authors are well-respected experts in their field. Overall, the research is high quality, and most papers include a substantial list of references. A plethora of data is considered, and much statistical evidence is presented. . . . A useful contribution to the literature on income distribution and wealth inequality. Recommended. E. Kacapyr, Choice The contributors to this comprehensive book compile and analyse the latest data available on household wealth using, as case studies, the United States, Canada, Germany, Italy, Sweden, and Finland during the 1990s and into the twenty-first century. The authors show that in the US, trends are highlighted in terms of wealth holdings, among the low-income population, along with changes in wealth polarization, racial differences in wealth holdings, and the dynamics of portfolio choices. The consensus between the authors is that wealth inequality has generally risen among these OECD countries since the early 1980s, although Germany stands out as an exception. In the case of the US, it is also noted that wealth holdings have generally failed to improve among low-income families and that the racial wealth gap widened during the late 1980s. International Perspectives on Household Wealth also contains new results on a number of topics, including measures and changes of wealth polarization in the US, measurement and changes of portfolio span in the US, asset holdings of low-income households in the US, and the effects of parental resources on asset holdings in Chile. Academic, government, and public policy economists in OECD countries, as well as those in so-called middle-income countries around the world, will find much to engage them within this book. It will also appeal to academics and researchers of international and welfare economics and other social scientists interested in the issue of inequality.
Author : Xiao Di Zhu
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.F/5 ( download)
Download or read book Intergenerational Wealth Transfer and Its Impact on Housing written by Xiao Di Zhu and published by . This book was released on 2002 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
