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Mortgage Arrears And Access To Mortgage Finance
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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 Housing Finance Mechanisms in Indonesia by :
Download or read book Housing Finance Mechanisms in Indonesia written by and published by UN-HABITAT. This book was released on 2008 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Reducing Foreclosures by : Christopher Foote
Download or read book Reducing Foreclosures written by Christopher Foote and published by DIANE Publishing. This book was released on 2009 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt: Takes a skeptical look at a leading argument about what is causing the foreclosure crisis and what should be done to stop it. The authors focus on two key decisions: the borrower's choice to default on a mortgage and the lender's subsequent choice whether to renegotiate or modify the loan. Unaffordable loans, defined as those with high mortgage payments relative to income at origination, are unlikely to be the main reason that borrowers decide to default. The efficiency of foreclosure for investors is a more plausible explanation for the low number of modifications to date. Policies designed to reduce foreclosures should focus on ameliorating the effects of job loss rather than modifying loans to make them more affordable on a long-term basis. Illustrations.
Book Synopsis The Impact of the Mortgage Credit Directive in Europe by : Miriam Anderson
Download or read book The Impact of the Mortgage Credit Directive in Europe written by Miriam Anderson and published by . This book was released on 2017 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: How has European Private Law responded to the property and mortgage markets crisis? And in what way is this reaction likely to model domestic systems? The financial and economic crisis that marked the beginning of the century has had a devastating effect on the property and mortgage markets in many Member States of the European Union. Despite this, the European legislator took its time to respond. This book analyzes the impact of the Mortgage Credit Directive (Directive 2014/17) in twelve different jurisdictions: Belgium, England, France, Germany, Greece, Ireland, Italy, Malta, The Netherlands, Poland, Portugal, and Spain. The reports show how in some instances only certain products (such as foreign currency loans) or practices (irresponsible lending, homeownership promoting policies, the use of unfair terms) were factors that triggered the property crash; in other cases; the system completely failed to address an exceptional situation; and, finally, how in some instances prudent lending explained why the market was virtually not hit at all. This book aims to find out whether the two goals of Directive 2014/17 (financial sector stability and enhanced consumer protection) can be achieved in light of its provisions and of the transposition carried out by the different Member States, and whether the changes it introduces have a significant impact in the jurisdictions considered here. Some systems are already showing signs of yet another property bubble. There is room for hope: perhaps we have learned from the past, perhaps the Directive is a step forward, but more importantly this book shows that we can learn from each other. [Subject: European Law, Private Law, Property Law]
Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Introduction to Mortgages and Mortgage Backed Securities by : Richard K. Green
Download or read book Introduction to Mortgages and Mortgage Backed Securities written by Richard K. Green and published by Academic Press. This book was released on 2013-11-21 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
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 Guide to Preparing a Housing Finance Strategy by : Raymond J. Struyk
Download or read book Guide to Preparing a Housing Finance Strategy written by Raymond J. Struyk and published by UN-HABITAT. This book was released on 2009 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Boundaries of Commercial and Trade Law by : Gonzalo Villalta Puig
Download or read book Boundaries of Commercial and Trade Law written by Gonzalo Villalta Puig and published by Walter de Gruyter. This book was released on 2011-11-14 with total page 215 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do businesspeople consider the rules of commercial law when they negotiate a business deal, or are the practicalities of whatever transaction they are about to agree their sole consideration? Or does the law fade into the background to such an extent that it becomes almost irrelevant? If so, what is the role of law in commerce and, therefore, what are the boundaries of commercial law? These questions are subject of this important book for teachers and researchers of commercial law, undergraduate and postgraduate students of commercial law subjects, legal practitioners, businesspeople, public bodies for the regulation of trade and commerce as well as libraries of reference.
Book Synopsis Milestones in European Housing Finance by : Jens Lunde
Download or read book Milestones in European Housing Finance written by Jens Lunde and published by John Wiley & Sons. This book was released on 2016-02-16 with total page 483 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Housing Finance System in South Africa by : Vuyisani Moss
Download or read book Housing Finance System in South Africa written by Vuyisani Moss and published by UN-HABITAT. This book was released on 2008 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Australian Property Finance Made Simple by : Konrad Bobilak
Download or read book Australian Property Finance Made Simple written by Konrad Bobilak and published by Global Publishing Group. This book was released on 2018-11-01 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: An essential tool for any serious property investor who is wanting to stake their claim in the 5.4 trillion dollar residential property market. Finally, an ex-banker, mortgage broker and property millionaire's 'tell-all' step-by-step blueprint, explaining how to build, structure and automate a multi-million dollar residential investment property portfolio correctly, that has the potential to replace your income for life! International author, speaker, entrepreneur and property expert Konrad Bobilak reveals all in this insightful and valuable book. You'll learn:- How to potentially save thousands of dollars in interest payments, and pay off your current 30-year principle and interest mortgage in 15 years or less without making any additional payments.- How to correctly structure your first and subsequent investment property acquisitions, and why you should never cross-collateralise your properties.- The function and importance of LVR (loan to value ratio), LOC (line of credit facilities), LMI (lenders mortgage insurance), offset accounts, and terms and conditions of loans.- How to beat the banks at their own game by understanding the exact formulas that the banks use to work out how much money you can borrow; DSR (debt servicing ratio).- 12 powerful ways to supercharge your borrowing capacity that will enable you to buy more property than you ever thought possible.- 19 crucial questions that you must know in order to choose the best mortgage broker in the industry.- 12 most common and deadly property finance mistakes and how you can avoid them. This book will boost your financial literacy and intelligence, and take your property investing to a whole new level!
Book Synopsis Institutional Structure of Financial Regulation by : Robin Hui Huang
Download or read book Institutional Structure of Financial Regulation written by Robin Hui Huang and published by Routledge. This book was released on 2014-06-20 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: In light of on-going global financial crises, the institutional structure of financial regulation is currently a subject of significant academic and practical interest. The financial crisis has called into question the adequacy of financial regulation at the national and supranational levels, and has instigated financial regulatory reforms in major markets overseas. This has included the enactment of the Dodd-Frank Act in the US, and the programme to split the Financial Services Authority in the UK. This book examines the institutional structure reform of financial regulation from a comparative perspective, exploring both fundamental theories and international experiences. The book explores the three main institutional structures of financial regulation in the world; the sectors-based model, adopted in the US, Mainland China and Hong Kong; the twin-peaks model with Australia and the Netherlands as its pioneers; and the single-regulator model as represented by the former Financial Services Authority in the UK and the Financial Services Agency in Japan. The book contains contributions from renowned experts in the field of financial regulation including Douglas Arner, Jeffrey Carmichael, Robin Hui Huang, Dirk Schoenmaker, and Michael Taylor, and will be of interest to students and researchers of banking and finance law, and comparative economics.
Book Synopsis Housing Law and Policy by : David Cowan
Download or read book Housing Law and Policy written by David Cowan and published by Cambridge University Press. This book was released on 2011-09-29 with total page 509 pages. Available in PDF, EPUB and Kindle. Book excerpt: An innovative and timely guide to housing law that integrates the disciplines of law and public policy so that readers see how the subject fits together – both the letter of the law and the way it is practised. The innovative three-part structure covers all the topics of a typical Housing Law module and it is written in a clear and conversational style, with a wide range of source material to show how the law is created, interpreted and used in real life. Students are expertly guided through the complexities of housing law by a leading academic who has taught the subject for more than 20 years. Where relevant, chapters end with a section on 'the future' that discusses proposed changes to the law and the impact of those changes. It also discusses the conceptual issues raised by the Human Rights Act.
Book Synopsis Single Family Direct Endorsement Program by : United States. Department of Housing and Urban Development
Download or read book Single Family Direct Endorsement Program written by United States. Department of Housing and Urban Development and published by . This book was released on 1984 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Ask a Manager written by Alison Green and published by Ballantine Books. This book was released on 2018-05-01 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: From the creator of the popular website Ask a Manager and New York’s work-advice columnist comes a witty, practical guide to 200 difficult professional conversations—featuring all-new advice! There’s a reason Alison Green has been called “the Dear Abby of the work world.” Ten years as a workplace-advice columnist have taught her that people avoid awkward conversations in the office because they simply don’t know what to say. Thankfully, Green does—and in this incredibly helpful book, she tackles the tough discussions you may need to have during your career. You’ll learn what to say when • coworkers push their work on you—then take credit for it • you accidentally trash-talk someone in an email then hit “reply all” • you’re being micromanaged—or not being managed at all • you catch a colleague in a lie • your boss seems unhappy with your work • your cubemate’s loud speakerphone is making you homicidal • you got drunk at the holiday party Praise for Ask a Manager “A must-read for anyone who works . . . [Alison Green’s] advice boils down to the idea that you should be professional (even when others are not) and that communicating in a straightforward manner with candor and kindness will get you far, no matter where you work.”—Booklist (starred review) “The author’s friendly, warm, no-nonsense writing is a pleasure to read, and her advice can be widely applied to relationships in all areas of readers’ lives. Ideal for anyone new to the job market or new to management, or anyone hoping to improve their work experience.”—Library Journal (starred review) “I am a huge fan of Alison Green’s Ask a Manager column. This book is even better. It teaches us how to deal with many of the most vexing big and little problems in our workplaces—and to do so with grace, confidence, and a sense of humor.”—Robert Sutton, Stanford professor and author of The No Asshole Rule and The Asshole Survival Guide “Ask a Manager is the ultimate playbook for navigating the traditional workforce in a diplomatic but firm way.”—Erin Lowry, author of Broke Millennial: Stop Scraping By and Get Your Financial Life Together
