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Author :
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.:/5 (31 download)
Download or read book The Housing Finance Revolution written by and published by . This book was released on 1983 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Richard K. Green
Publisher :
ISBN 13 :
Total Pages : 32 pages
Book Rating : 4.:/5 (13 download)
Download or read book The Housing Finance Revolution written by Richard K. Green and published by . This book was released on 2015 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: While other countries dismantled their segmented housing finance systems and linked housing finance to capital markets through deregulated depositories, the US linked housing finance to capital markets through depository deregulation and securitization. Elsewhere securitization has not developed. The US provided the underpinnings for its mortgage security infrastructure with the creation of FNMA in 1938 and in order to create liquidity in the mortgage market required the standardization of mortgage documentation and more fundamentally required that home mortgages within securities would be sufficiently homogeneous that they could trade in liquid markets. These developments allowed 22 years of uninterrupted liquidity in the market for conventional conforming mortgages, to be followed by the creation of a subprime mortgage market backed by securities that were illiquid, nonstandardized and marked to model not to market which allowed systemic underpricing of risk. This paper presents the recent history of the linkage of mortgage funding to financial markets in the US and elsewhere and specifically in the US suggests how the housing finance revolution resulted in the "terror" which has brought down global financial markets.
Author : Thymi Metaxas-Vittas
Publisher :
ISBN 13 : 9780948394270
Total Pages : 239 pages
Book Rating : 4.3/5 (942 download)
Download or read book The Housing Finance Revolution written by Thymi Metaxas-Vittas and published by . This book was released on 1990 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Susan J. Smith
Publisher : John Wiley & Sons
ISBN 13 : 9781444317985
Total Pages : 648 pages
Book Rating : 4.3/5 (179 download)
Download or read book The Blackwell Companion to the Economics of Housing written by Susan J. Smith and published by John Wiley & Sons. This book was released on 2010-01-22 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Blackwell Companion to the Economics of Housing willhelp students and professionals alike to explore key elements ofthe housing economy: home prices, housing wealth, mortgage debt,and financial risk. Features 24 original essays, including an editorialintroduction and three section overviews Includes 39 world-class authors from a mix of educational andfinancial organizations in the UK, Europe, Australia, and NorthAmerica Broadly-based, scholarly, and accessible, serving students andprofessionals who wish to understand how today’s housingeconomy works Profiles the role and relevance of housing wealth; themismanagement of mortgage debt; and the pitfalls and potential ofhedging housing risk Key topics include: the housing price bubble and crash; thesubprime mortgage crisis in the US and its aftermath; the linksbetween housing wealth, the macroeconomy, and the welfare ofhome-occupiers; the mitigation of credit and housing investmentrisks Specific case studies help to illustrate concepts, along withnew data sets and analyses to illustrate empirical points
Author : Richard L. Florida
Publisher : Routledge
ISBN 13 : 1000677451
Total Pages : 483 pages
Book Rating : 4.0/5 (6 download)
Download or read book Housing and the New Financial Mark written by Richard L. Florida and published by Routledge. This book was released on 2019-07-12 with total page 483 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book explores how deregulation affect housing finance, and gives the broad patterns of development of institutions participating in mortgage markets. It also explores how the new housing finance system influences the cost and affordability of shelter.
Author : Anthony Downs
Publisher : Brookings Institution Press
ISBN 13 :
Total Pages : 376 pages
Book Rating : 4.3/5 (91 download)
Download or read book The Revolution in Real Estate Finance written by Anthony Downs and published by Brookings Institution Press. This book was released on 1985 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: Analyzes the causes of the revolution in real estate finance and traces its many effects throughout real estate markets.
Author : John G. Heimann
Publisher :
ISBN 13 :
Total Pages : 22 pages
Book Rating : 4.:/5 ( download)
Download or read book The Necessary Revolution in Housing Finance written by John G. Heimann and published by . This book was released on 1967 with total page 22 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Terri Friedline
Publisher : Oxford University Press, USA
ISBN 13 : 0190944137
Total Pages : 313 pages
Book Rating : 4.1/5 (99 download)
Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press, USA. This book was released on 2020-12 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Revolution Will Not Be Financed takes the perspective that the financial system needs a revolution-and not the impending revolution driven by technology. Studying various ways the financial system advantages whites by exploiting and marginalizing Black and Brown communities, Terri Friedline challenges the optimistic belief that fintech can expand access to banking and finance. Friedline applies the lens of financialized racial neoliberal capitalism to demonstrate the financial system's inherent racism, and explores examples from student loan debt, corporate landlords, community benefits agreements, and banking and payday lending. She makes the case that the financial system needs a people-led revolution that centers the needs, experiences, and perspectives of those that it has historically excluded, marginalized, and exploited"--
Author : Adam J. Levitin
Publisher : Harvard University Press
ISBN 13 : 0674246926
Total Pages : 401 pages
Book Rating : 4.6/5 (742 download)
Download or read book The Great American Housing Bubble written by Adam J. Levitin and published by Harvard University Press. This book was released on 2020-06-09 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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 : Mr.Eugenio Cerutti
Publisher : International Monetary Fund
ISBN 13 : 1513552074
Total Pages : 35 pages
Book Rating : 4.5/5 (135 download)
Download or read book Housing Finance and Real-Estate Booms written by Mr.Eugenio Cerutti and published by International Monetary Fund. This book was released on 2015-06-03 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt: The recent global crisis highlighted the risks stemming from real estate booms. This has generated a growing literature trying to better understand the sources and the risks associated with housing and credit booms. This paper complements and supplements the previous work by (i) exploiting more disaggregated data on credit allowing us to dissociate between firm-credit and household (and in some cases mortgage) credit, and (ii) by taking into account the characteristics of the mortgage market, including institutional as well as other factors that vary across countries. This detailed cross-country analysis offers new valuable insights.
Author : Franklin Allen
Publisher : Pearson Prentice Hall
ISBN 13 : 0137011601
Total Pages : 214 pages
Book Rating : 4.1/5 (37 download)
Download or read book Fixing the Housing Market written by Franklin Allen and published by Pearson Prentice Hall. This book was released on 2012 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains the financial history leading to the mortgage meltdown and assesses today's housing finance systems in the United States and abroad.
Author : Martin Neil Baily
Publisher : Brookings Institution Press
ISBN 13 : 0815722087
Total Pages : 225 pages
Book Rating : 4.8/5 (157 download)
Download or read book The Future of Housing Finance written by Martin Neil Baily and published by Brookings Institution Press. This book was released on 2011 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Evaluates the options open to policymakers as they reassess the federal government's role in the U.S. residential mortgage market and consider a new system that reduces risk in mortgage lending, maintains a limited government role, and gradually removes the government-sponsored enterprises (Fannie Mae and Freddie Mac) from the mortgage market"--Provided by publisher.
Author : Michael Ball
Publisher :
ISBN 13 :
Total Pages : 246 pages
Book Rating : 4.:/5 (44 download)
Download or read book Under One Roof written by Michael Ball and published by . This book was released on 1990 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Murtaza Baxamusa
Publisher : Routledge
ISBN 13 : 1000096599
Total Pages : 123 pages
Book Rating : 4.0/5 ( download)
Download or read book A New Model for Housing Finance written by Murtaza Baxamusa and published by Routledge. This book was released on 2020-05-21 with total page 123 pages. Available in PDF, EPUB and Kindle. Book excerpt: A New Model for Housing Finance presents a thought-provoking solution to the housing crisis that follows the division of public and private money on housing costs and benefits. It brings a practical perspective on why housing is unaffordable, and what can be done about it using public and private capital. This book re-examines the foundation of housing finance in the United States with the aim to shift the paradigm from the public and private sectors working in silos, to working together. Through brief yet rigorous chapters, the book assesses the policy failures of both public and private sectors by drawing attention to the continuing human impacts of this man-made crisis, finally calling for a new model of financing housing through public–private partnerships. The limited impact and false hope of planning interventions, as well as the widespread economic impacts of the global pandemic of 2020, demonstrate the urgent need for change in our approach to housing policy, and this book lays out a path forward. It will be of interest to anyone working in or studying housing, social justice, urban planning, urban studies, and public policy.
Author : Susan M. Wachter
Publisher : University of Pennsylvania Press
ISBN 13 : 0812248627
Total Pages : 288 pages
Book Rating : 4.8/5 (122 download)
Download or read book Principles of Housing Finance Reform written by Susan M. Wachter and published by University of Pennsylvania Press. This book was released on 2016-09-23 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: Nearly a decade after the housing market's collapse triggered the Great Recession, members of both sides of the political aisle are calling for reform. Principles of Housing Finance Reform lays out a roadmap for reforms for a new housing finance system to achieve liquidity, access, and sustainability.
Author : Andrew Caplin
Publisher : MIT Press
ISBN 13 : 9780262032438
Total Pages : 292 pages
Book Rating : 4.0/5 (324 download)
Download or read book Housing Partnerships written by Andrew Caplin and published by MIT Press. This book was released on 1997 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: Housing Partnerships: A New Approach to a Market at a Crossroads provides the blueprints of the Housing Partnership structure and the new opportunities it furnishes home owners, while explaining the economics behind the housing and mortgage markets and the financial risks in owning a home.
Author : K. Hawtrey
Publisher : Springer
ISBN 13 : 023024436X
Total Pages : 200 pages
Book Rating : 4.2/5 (32 download)
Download or read book Affordable Housing Finance written by K. Hawtrey and published by Springer. This book was released on 2009-08-21 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This text explores the vexing problem of housing exclusion and the related financial fallout, which has come into sharp relief since the onset of the housing-led global credit crisis. The book looks at the dimensions of affordable housing finance, compares current policy approaches in the US, UK and Australia, and works towards solutions.
