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Contractual Savings For Housing
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Book Synopsis Contractual savings for housing : how suitable are they for transitional economies? by : Michael J. Lea
Download or read book Contractual savings for housing : how suitable are they for transitional economies? written by Michael J. Lea and published by World Bank Publications. This book was released on 1995 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Contractual Savings Schemes for Housing by : Michel Chrétien
Download or read book Contractual Savings Schemes for Housing written by Michel Chrétien and published by . This book was released on 1986 with total page 114 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Housing Market Dynamics in Africa by : El-hadj M. Bah
Download or read book Housing Market Dynamics in Africa written by El-hadj M. Bah and published by Springer. This book was released on 2018-03-12 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book utilizes new data to thoroughly analyze the main factors currently shaping the African housing market. Some of these factors include the supply and demand for housing finance, land tenure security issues, construction cost conundrum, infrastructure provision, and low-cost housing alternatives. Through detailed analysis, the authors investigate the political economy surrounding the continent’s housing market and the constraints that behind-the-scenes policy makers need to address in their attempts to provide affordable housing for the majority in need. With Africa’s urban population growing rapidly, this study highlights how broad demographic shifts and rapid urbanization are placing enormous pressure on the limited infrastructure in many cities and stretching the economic and social fabric of municipalities to their breaking point. But beyond providing a snapshot of the present conditions of the African housing market, the book offers recommendations and actionable measures for policy makers and other stakeholders on how best to provide affordable housing and alleviate Africa’s housing deficit. This work will be of particular interest to practitioners, non-governmental organizations, private sector actors, students and researchers of economic policy, international development, and urban development.
Book Synopsis Contractual Savings for Housing by : J. Michael Lea
Download or read book Contractual Savings for Housing written by J. Michael Lea and published by . This book was released on 1999 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: September 1995 Problems of developing specialized financial services for housing are acute in socialist economies in transition. Contractual savings for housing (CSH) are often advocated in Central and Eastern European countries as a primary solution. CSH systems were indeed used successfully in Europe for reconstruction after World War II. The issue today is what role CSH can play under very different financial conditions in latecomer countries that want to develop competitive and flexible financial systems capable of successfully integrating with the global financial markets. Problems of developing financial services for housing are acute in transitional socialist economies. Lea and Renaud examine contractual savings for housing (CSH), which are often advocated as a primary solution, especially in Central and Eastern European countries. A CSH instrument links a phase of contractual savings remunerated at below-market rate to the promise of a housing loan at a rate also fixed below market at the time the contract is signed. This contract can contain a variety of options. CSH were used very successfully in Europe after World War II. The issue today is not whether such specialized instruments can work. They clearly can under low inflation. The issue is whether CSH systems are advisable today in latecomer countries with vastly different financial technology and financial policy environments. Lea and Renaud focus on two influential CSH systems: the closed German Bauspar system and the open French épargne-logement. In a closed CSH system, access to a housing loan is based on queuing: a loan can be made only if funds are available in the specialist institution. In an open system, the saver can legally call his or her loan at contract maturity, regardless of the liquidity conditions in the CSH system. From the perspective of households, CSH contracts facilitate the accumulation of equity and offer the prospect of a low-interest loan. They promote savings discipline and provide a concrete goal that many households find important. But CSH instruments leave the objective of providing a primary loan unmet. In addition, even moderate inflation quickly leads to very low loan-to-value ratios for CSH loans and a large financing gap for housing purchases. From the perspective of financial institutions, CSH can help overcome the severe information asymmetries they face in transitional socialist economies, where there are no retail financial markets, no credit bureaus, and problematic income reporting. CSH are very effective in screening, monitoring, and establishing the reputation of steady savers as future borrowers, and they are good at lowering credit risks. With their saving periods of four to five years, CSH also help bridge the gap between long-term loans and short-term deposits. Finally, CSH can be an important commercial tool for developing cross-lending activities. But CSH can be risky. When the interest rate on outstanding contracts is low compared with current market rates, holders of mature contracts will want to call their loans. And new savers will be reluctant to sign on at very low contract rates. Eliminating this liquidity risk with a closed CSH system erodes the attractiveness of CSH. From the perspective of government, a CSH instrument can work in a noninflationary environment, yet a CSH system would have no justification in fully developed and competitive financial markets today. CSH instruments can play a useful but not a dominant role in housing finance. After stabilization, they can provide additionality, overcome information constraints on financial contracts, and contribute to higher financial savings rates. CSH instruments are best used to finance home improvements. They can also be used as part of a social policy to reach targeted social groups. This paper -- a product of the Financial Sector Development Department -- is part of a larger effort in the department to develop sustainable housing finance in transition economies.
Book Synopsis Housing for All by : Xing Quan Zhang
Download or read book Housing for All written by Xing Quan Zhang and published by UN-HABITAT. This book was released on 2008 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report provides a comprehensive review of the challenges for low and moderate income housing. It focuses on the issues of affordability, accessibility and sustainability in resolving the housing problem. It looks at both formal and informal instruments and how experiences in developed countries and instruments in addressing middle income households can help inspire solutions for low and moderate income housing. The report examines a whole range of major instruments and experiences across the developing and developed worlds.
Book Synopsis Contractual Savings for Housing by : Michael Lea
Download or read book Contractual Savings for Housing written by Michael Lea and published by . This book was released on 2016 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: Problems of developing sp ...
Book Synopsis Thirty Years of World Bank Shelter Lending by : Robert M. Buckley
Download or read book Thirty Years of World Bank Shelter Lending written by Robert M. Buckley and published by World Bank Publications. This book was released on 2006-01-01 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: "As England's Industrial Revolution started the process of urbanization that has since characterized development throughout the world, a poet worried about the ""dark satanic mills"" that were such a fundamental part of this revolution. However, despite his misgivings, he also suggested that it was necessary for societies to arm themselves with ""chariots of fire"" and other weapons so that they could master this process. In a somewhat more prosaic poetic vein World Bank President Robert McNamara launched the bank's shelter assistance programs saying that 'If cities do not begin to deal more constructively with poverty, poverty may begin to deal more destructively with cities.' These concerns would appear to have even more resonance today as the population of cities in developing countries increasing by unprecedented levels of more than 1 billion people per year for the next 15 years. This magnitude suggests the scale of the increase in the investment in shelter needed to meet the needs of this growing population."
Book Synopsis Strategies and Policies for Dealing with High Housing Costs in Industrialized Countries by : Emanuel Jay Howenstine
Download or read book Strategies and Policies for Dealing with High Housing Costs in Industrialized Countries written by Emanuel Jay Howenstine and published by . This book was released on 1981 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Expanding Housing Finance to the Underserved in South Asia by : Tatiana Nenova
Download or read book Expanding Housing Finance to the Underserved in South Asia written by Tatiana Nenova and published by World Bank Publications. This book was released on 2010-06-22 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rapid economic growth in South Asia, urbanization, and a rising middle class have created considerable pent-up demand for housing and housing finance. More than 14 percent of low-income South Asians have no home. In response, South Asia s dynamic housing and housing finance markets have grown at rates of around 30%, but are still limited to upper-income groups. The contribution of housing and real-estate sector to overall economic growth, social uplift and employment is considerable. Housing and housing finance services have the clear potential to expand to middle- and even lower- income families. This requires an improved land administration, strengthened legal framework for land titling, registration, and foreclosure, better market data provision, and promotion of long-term funding for mortgage lenders and developers. Innovative traditional mortgage products and Islamic finance could match demand in underserved market segments. This report, a first regional effort on the topic, examines housing shortages in South Asia, as well as outlines shortcomings of the market for home mortgages. Information on good practice and country-specific examples are presented on enabling builder/developers, mortgage lenders, land administration, as well as foreclosure and other relevant regulations, to strengthen home ownership in South Asia. Special emphasis is accorded to low-income housing solutions.
Download or read book Housing for All written by A.K. Jain and published by KHANNA PUBLISHING HOUSE. This book was released on with total page 392 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book titled “Housing for All: Design, Construction andManagement” by A.K. Jain is a comprehensive assessment of the housing situationin India which not only traces the path taken by (governments so far but alsooutlines a roadmap for the future. The book begins with an overview of thehousing scenario in India. It discusses various housing programmes and draws adistinction between affordable housing and adequate housing. The book alsodraws particular attention to housing issues of special groups such as theelderly, disabled, homeless, migrant and transit workers, students and singlewomen. There is also a discussion on the issue of social and physicalinfrastructure. The book notes that housing units alone do not constitutehousing but infrastructure plays a critical role in the occupancy of housing.The question of reducing the cost of housing has been vexatious for long. Jaindeals with this issue in detail and suggests various low-cost technologies andhouse building systems for making housing more affordable. Another issue isthat of rental housing. Jain suggests that giving a boost to rental housingthrough a slew of measures can go a long way in making housing more accessibleand bring vacant housing into the market.
Book Synopsis Financing Urban Shelter by : United Nations Human Settlements Programme
Download or read book Financing Urban Shelter written by United Nations Human Settlements Programme and published by UN-HABITAT. This book was released on 2005 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financing Urban Shelter presents the first global assessment of housing finance systems, placing shelter and urban development challenges within the overall context of macroeconomic policies and the Millennium Development Goals target on slums - "a significant improvement in the lives of at least 100 million slum dwellers by 2020". The report describes and analyses housing finance conditions and trends in all regions of the world, including formal housing finance mechanisms, microfinance and community funding, highlighting their relevance to the upgrading of slums. Recent shelter finance policy development is discussed at the international and national levels, and directions that could be taken to strengthen shelter finance systems ere examined.
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
Download or read book Financing Urban Shelter written by and published by UN-HABITAT. This book was released on 2005 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financing Urban Shelter by : Un-Habitat
Download or read book Financing Urban Shelter written by Un-Habitat and published by Routledge. This book was released on 2013-06-17 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Achieving the goals set by world leaders in the United Nations Millennium Declaration will be difficult without a significant improvement in the lives of slum dwellers, and the lives of slum dwellers cannot be improved without the sound and sustainable economic development that is conducive to the establishment of a strong shelter sector. As Financing Urban Shelter: Global Report on Human Settlements 2005 emphasizes, one of the key challenges in meeting the Millennium Declaration Goal on slums is mobilization of the financial resources necessary for both slum upgrading and slum prevention by supplying new housing affordable to lower income groups on a large scale. . . . It is my hope that, by highlighting the impacts of current shelter financing systems on low-income households and by identifying the types of financing mechanisms that appear to have worked for them, this report will contribute to the efforts of the wide range of actors involved in improving the lives of slum dwellers, including governments at the central and local levels, as well as non-governmental and international organizations.' From the Foreword by KOFI ANNAN, Secretary-General, United Nations Financing Urban Shelter presents the first global assessment of housing finance systems, placing shelter and urban development challenges within the overall context of macroeconomic policies. The report describes and analyses housing finance conditions and trends in all regions of the world, including formal housing finance mechanisms, microfinance and community funding, highlighting their relevance to the upgrading of slums. Recent shelter finance policy development is discussed at the international and national levels, and the directions that could be taken to strengthen shelter finance systems are examined. The Global Report on Human Settlements is the most authoritative and up-to-date assessment of conditions and trends in the world's cities. It is an essential tool and reference for researchers, academics, public authorities and civil society organizations around the world. The preceding issues of the Global Report on Human Settlements have addressed such topics as An Urbanizing World, Cities in a Globalizing World and The Challenge of Slums. Published with UN-HABITAT
Book Synopsis The Role of Occupational Pension Funds in Mauritius by : Dimitri Vittas
Download or read book The Role of Occupational Pension Funds in Mauritius written by Dimitri Vittas and published by World Bank Publications. This book was released on 2003 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: Mauritius belongs to a se ...
Book Synopsis Finance for Shelter and Services by :
Download or read book Finance for Shelter and Services written by and published by UN-HABITAT. This book was released on 1990 with total page 96 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Mortgage Market (RLE Banking & Finance) by : Mark J Boleat
Download or read book Mortgage Market (RLE Banking & Finance) written by Mark J Boleat and published by Routledge. This book was released on 2012-05-31 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: Beginning with a theoretical analysis of housing finance in the context of housing markets and financial intermediation generally, the authors then analyse, drawing on international experience, each of the main types of housing finance system: informal, deposit taking, contract and mortgage bank. Various aspects of the market are covered using examples drawn from the UK and elsewhere, including the regulatory framework, contemporary developments and securitization and secondary markets. Critical public policy issues, such as housing and the real economy, and housing subsidies, are analysed in detail. Finally the authors examine the future for housing and the housing finance market.
