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Modelling And Forecasting Uk Mortgage Arrears And Possessions
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Book Synopsis Modern Studies in Property Law - Volume 6 by : Susan Bright
Download or read book Modern Studies in Property Law - Volume 6 written by Susan Bright and published by Bloomsbury Publishing. This book was released on 2011-05-13 with total page 426 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Modern Studies in Property Law Conference has become well-known as a unique opportunity for property lawyers to meet and confer both formally and informally. The eighth biennial conference was held at the University of Oxford in March 2010, and this book is the sixth in the series Modern Studies in Property Law. The volume is a refereed and revised selection of the papers given at the Oxford conference, covering a broad range of topics of contemporary importance, both nationally and internationally. The book includes chapters written by the key speakers at the conference: Lady Justice Arden, Professor Kevin Gray and Law Commissioner, Professor Elizabeth Cooke.
Book Synopsis International Encyclopedia of Housing and Home by :
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
Book Synopsis Meaning and Measurement in Comparative Housing Research by : Mark Stephens
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.
Book Synopsis The Bankers’ New Clothes by : Anat Admati
Download or read book The Bankers’ New Clothes written by Anat Admati and published by Princeton University Press. This book was released on 2024-01-09 with total page 624 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Wall Street Journal, Financial Times, and Bloomberg Businessweek Book of the Year Why our banking system is broken—and what we must do to fix it New bank failures have been a rude awakening for everyone who believed that the banking industry was reformed after the Global Financial Crisis—and that we’d never again have to choose between massive bailouts and financial havoc. The Bankers’ New Clothes uncovers just how little things have changed—and why banks are still so dangerous. Writing in clear language that anyone can understand, Anat Admati and Martin Hellwig debunk the false and misleading claims of bankers, regulators, politicians, academics, and others who oppose effective reform, and they explain how the banking system can be made safer and healthier. Thoroughly updated for a world where bank failures have made a dramatic return, this acclaimed and important book now features a new preface and four new chapters that expose the shortcomings of current policies and reveal how the dominance of banking even presents dangers to the rule of law and democracy itself.
Author :Great Britain: Parliament: House of Commons: Treasury Committee Publisher :The Stationery Office ISBN 13 :9780215540805 Total Pages :220 pages Book Rating :4.5/5 (48 download)
Book Synopsis Mortgage arrears and access to mortgage finance by : Great Britain: Parliament: House of Commons: Treasury Committee
Download or read book Mortgage arrears and access to mortgage finance written by Great Britain: Parliament: House of Commons: Treasury Committee and published by The Stationery Office. This book was released on 2009-08-08 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report focuses on households affected by the recession, struggling with mortgage arrears or at risk of repossession. The role of the Financial Services Authority (FSA) is also scrutinised. The report notes that both mortgage arrears and repossession levels are on an upward trend and that both are expected to continue rising over the next few years as a result of the recession. The Committee acknowledges that many mainstream lenders are taking pro-active steps to support consumers in mortgage difficulties, but expresses concern at the lack of flexibility and forbearance shown by some lenders in the sub-prime, specialist and second charge sectors towards homeowners in arrears, and the fact that some lenders are charging high and excessive mortgage arrears fees to customers who fall into mortgage difficulties. The FSA should take a much more robust stance towards tackling and eliminating unfair arrears charges. The report criticises the seemingly leisurely approach of the FSA in terms of completing its mortgage arrears review and enforcing possible breaches in the mortgage arrears rules. It calls upon the FSA to spell out clearly in its forthcoming review how it will improve its performance in terms of bringing miscreant firms to book. The report recommends that the Government re-examine its longer-term strategy towards supporting homeowners in mortgage difficulties to ensure that adequate mechanisms to support homeowners are in place even once the current downturn has ended.
Book Synopsis Modelling Spatial Housing Markets by : Geoffrey Meen
Download or read book Modelling Spatial Housing Markets written by Geoffrey Meen and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: Spatial fixity is one of the characteristics that distinguishes housing from most other goods and services in the economy. In general, housing cannot be moved from one part of the country to another in response to shortages or excesses in particular areas. The modelling of housing markets and the interlinkages between markets at different spatial levels - international, national, regional and urban - are the main themes of this book. A second major theme is disaggregation, not only in terms of space, but also between households. The book argues that aggregate time-series models of housing markets of the type widely used in Britain and also in other countries in the past have become less relevant in a world of increasing income dispersion. Typically, aggregate relationships will break down, except under special conditions. We can no longer assume that traditional location or tenure patterns, for example, will continue in the future. The book has four main components. First, it discusses trends in housing markets both internationally and within nations. Second, the book develops theoretical housing models at each spatial scale, starting with national models, moving down to the regional level and, then, to urban models. Third, the book provides empirical estimates of the models and, finally, the models are used for policy analysis. Analysis ranges over a wide variety of topics, including explanations for differing international house price trends, the causes of housing cycles, the role of credit markets, regional housing market interactions and the role of housing in urban/suburban population drift.
Book Synopsis Parliamentary Debates (Hansard). by : Great Britain. Parliament. House of Commons
Download or read book Parliamentary Debates (Hansard). written by Great Britain. Parliament. House of Commons and published by . This book was released on 2013 with total page 454 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Great Britain. Parliament. House of Commons. Communities and Local Government Committee Publisher :The Stationery Office ISBN 13 :9780215526526 Total Pages :276 pages Book Rating :4.5/5 (265 download)
Book Synopsis Housing and the Credit Crunch by : Great Britain. Parliament. House of Commons. Communities and Local Government Committee
Download or read book Housing and the Credit Crunch written by Great Britain. Parliament. House of Commons. Communities and Local Government Committee and published by The Stationery Office. This book was released on 2009 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this report the Communities and Local Government Committee says the Government must stick to its long term house building targets, despite the credit crunch, but a greater proportion of the homes built should be social housing. The Committee is concerned that the £975 million borrowed by the Government from its 2010-11 budgets to build social rented housing now is not new money, and that the Government has been unable to say how that borrowing will be replaced. The Committee urges the Department for Communities and Local Government to: put pressure on the Treasury to ensure measures to revive the mortgage markets are implemented immediately; increase construction of new social housing, both to provide for housing need and as a means of maintaining capacity in the homebuilding industry whilst the market recovers; accelerate refurbishment programmes for social housing; acquire further social housing through the purchase of unsold stock and street properties; consider the purchase of unsold family homes which have been on the market for more than a year; encourage public sector bodies to make land available for the development of new homes. The report also urges the Government to do more to help those at risk of repossession by considering sanctions against lenders who repossess too quickly and by doing more to protect tenants and homeowners from unscrupulous landlords. An Office of Fair Trading recommendation for sale-and-rent back schemes should be implemented as a matter of urgency to protect the growing number of households falling behind in mortgage payments. The Committee would like to see more done to support housing associations, including increasing social housing grant where necessary.
Book Synopsis International Encyclopedia of Social Policy by : Tony Fitzpatrick
Download or read book International Encyclopedia of Social Policy written by Tony Fitzpatrick and published by Routledge. This book was released on 2013-07-04 with total page 1951 pages. Available in PDF, EPUB and Kindle. Book excerpt: Available in paperback for the first time, this milestone work offers an in-depth treatment of all aspects of the discipline and practice of social policy globally. Supported by a distinguished international advisory board, the editors have compiled almost 900,000 words across 734 entries written by 284 leading specialists to provide authoritative coverage of concepts, policy actors, welfare institutions and services along a series of national, regional and transnational dimensions. Also included are biographical entries on major policy makers and shapers. The editors have particularly striven to provide strong coverage of differing geographical and cultural traditions so that the variety of social policy, as both an academic discipline and a domain of governance, is reflected. Contributors draw in and make the necessary connections with social policy's associated disciplines to provide a rich picture of this vast and highly diverse field. Comprehensive and authoritative, the Encyclopedia has sought to open up rather than to foreclose the numerous areas in which there is on-going research, debate and, sometimes, serious disagreement and divergence in theory and practice. To this end, entries attempt to introduce a core or common ground of understanding before moving on to a wider discussion of debates regarding different conceptual and geographical approaches. The whole is integrated by cross-referencing and each entry includes a bibliography for further reading. There is a full index. The International Encyclopedia of Social Policy provides the most substantial mapping of the international study and practice of social policy to date and will stand as a vital storehouse of knowledge for many years to come.
Book Synopsis Making Sense of the Subprime Crisis by : Kristopher S. Gerardi
Download or read book Making Sense of the Subprime Crisis written by Kristopher S. Gerardi and published by DIANE Publishing. This book was released on 2011 with total page 75 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a print on demand edition of a hard to find publication. Explores the question of whether market participants could have or should have anticipated the large increase in foreclosures that occurred in 2007 and 2008. Most of these foreclosures stemmed from loans originated in 2005 and 2006, leading many to suspect that lenders originated a large volume of extremely risky loans during this period. While loans originated in this period did carry extra risk factors, underwriting standards alone cannot explain the dramatic rise in foreclosures. Market participants should have understood that a significant fall in prices would cause a large increase in foreclosures. Analysts understood that a fall in prices would have disastrous consequences for the market but assigned a low probability to such an outcome. Charts and tables.
Book Synopsis The Mortgage Rescue Scheme by : Great Britain. National Audit Office
Download or read book The Mortgage Rescue Scheme written by Great Britain. National Audit Office and published by The Stationery Office. This book was released on 2011 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Mortgage Rescue Scheme, since it was launched in January 2009 by the Department for Communities and Local Government, achieved fewer than half of the rescues expected. The Department directly helped 2,600 households avoid repossession and homelessness at a cost of in excess of �240 million - but it originally expected to help 6,000 households for �205 million. Under the Scheme, vulnerable homeowners at imminent risk of repossession who fulfil the eligibility criteria can apply to housing associations to provide them with an equity loan to help them reduce their monthly mortgage payments and retain ownership; or, alternatively, to purchase the home outright with the former owner remaining in the house as a tenant. The Department misjudged what the levels of demand would be for the respective types of rescue. It thought that most households would choose to take an equity loan through the Scheme, the cheaper option for the taxpayer, but nearly all sold their houses and stayed on as tenants. As a result, the average cost of each completed rescue has been much higher than expected - �93,000, compared with �34,000. The Department does not have enough information to say why so few households took the equity loan route. The Department now has actions in place to reduce the cost of the Scheme to the taxpayer. The report concludes that the Department did not adequately test the assumptions underpinning the Scheme's business case, and that it could have acted earlier to improve value for money.
Book Synopsis CeMAP 2 Revision Guide by : Paul Archer
Download or read book CeMAP 2 Revision Guide written by Paul Archer and published by Lulu.com. This book was released on 2010-12-19 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Archer Training's CeMAP 2 Revision Guide is an excellent addition to your ifs School of Finance study material. Used by hundreds of people before you, this Guide helps you to understand the exam syllabus easily and speedily. 200 pages of bullet points, graphs, cartoons, newspaper cuttings and a complete test at the end.
Book Synopsis Global Waves of Debt by : M. Ayhan Kose
Download or read book Global Waves of Debt written by M. Ayhan Kose and published by World Bank Publications. This book was released on 2021-03-03 with total page 403 pages. Available in PDF, EPUB and Kindle. Book excerpt: The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.
Book Synopsis International Convergence of Capital Measurement and Capital Standards by :
Download or read book International Convergence of Capital Measurement and Capital Standards written by and published by Lulu.com. This book was released on 2004 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Stress Testing and Calibration of Macroprudential Policy Tools by : Lucyna Gornicka
Download or read book Stress Testing and Calibration of Macroprudential Policy Tools written by Lucyna Gornicka and published by . This book was released on 2020-08-14 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: We present a semi-structural model of default risk, which is a function of loan and borrower characteristics, economic conditions, and the regulatory environment. We use this model to simulate bank credit losses for stress-testing purposes and to calibrate borrower-based macroprudential tools. The proposed approach is very flexible and is particularly useful when there is limited history of crisis episodes, when crises bring unanticipated shocks where past tail events offer little guidance and when structural shocks or changes in financial regulations have altered the loan default process. We apply the model to quantify mortgage lending risk in two distinct mortgage markets. For each application, we show a range of modeling adjustments that can be made to capture country-specific institutional features. The model uses bank portfolio data broken down by risk bucket and vintage, which enables us to take explicit account of the loan life cycle and to incorporate the housing and economic cycles. This feature facilitates a timely assessment of banks' loss-absorbing capacity and the buildup of systemic risk conditional on policy. It also enables counterfactual analysis and the evaluation of macroprudential policy interventions.
Book Synopsis OECD Economic Surveys: United Kingdom 2011 by : OECD
Download or read book OECD Economic Surveys: United Kingdom 2011 written by OECD and published by OECD Publishing. This book was released on 2011-03-16 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: The 2011 edition of OECD's periodic survey of the UK economy. This edition includes chapters covering supporting the recovery and rebalancing the economy, improving the functioning of the housing market, reforming education in England, and climate ...
Book Synopsis A Simple Model of the Housing Market by : M. J. Dicks
Download or read book A Simple Model of the Housing Market written by M. J. Dicks and published by . This book was released on 1990 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
