WorldWideScience

Sample records for federal agricultural mortgage

  1. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for Federal...

  2. 76 FR 71797 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and...

    Science.gov (United States)

    2011-11-18

    ... diligence procedures that are required for investments, but we do not intend to change the fundamental... Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and Liquidity... Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and Liquidity Management AGENCY...

  3. 78 FR 26711 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Liquidity...

    Science.gov (United States)

    2013-05-08

    ... Funding and Fiscal Affairs; Farmer Mac Liquidity Management ACTION: Proposed rule; reopening of comment... proposed rule that would amend its liquidity management regulations for the Federal Agricultural Mortgage... comment on the proposed liquidity regulations. [[Page 26712

  4. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION... Federal Housing Finance Agency (FHFA) to permit the Federal Home Loan Banks (Banks) until July 30, 2010... Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) (collectively, Enterprises), the Banks, and...

  5. 76 FR 23459 - Federal Agricultural Mortgage Corporation Governance and Federal Agricultural Mortgage...

    Science.gov (United States)

    2011-04-27

    ... with Farmer Mac's statutory authority to finance rural utility loans and to revise the treatment of... corporate bond default and recovery rates. DATES: Effective date: This regulation will be effective 30 days... solely on historical corporate bond default and recovery rates, and ``stressed GOA'' factors to refer...

  6. MORTGAGE FINANCING. Actuarial Soundness of the Federal Housing Administration's Mutual Mortgage Insurance Fund

    National Research Council Canada - National Science Library

    2002-01-01

    ...) of the Department of Housing and Urban Development's (HUD) Federal Housing Administration (FHA). Through the Fund, FHA operates a single-family insurance program that helps millions of Americans buy homes...

  7. FEATURES OF PRICING OF THE MORTGAGE MARKET IN THE RUSSIAN FEDERATION AND THE REPUBLIC OF MOLDOVA (Part 1

    Directory of Open Access Journals (Sweden)

    Tatiana KASYANENKO

    2016-07-01

    Full Text Available The relevance of the study is determined by the importance of the market of mortgage loans as the main instrument of social policy. The aim of the article is to identify the relationship between the volume of mortgage loans and the value of residential real estate on both the primary and secondary markets. The article consists of two parts. The main objective of the first part of this article is to clarify the concepts and features of mortgage loans, and identification of peculiarities of mortgage loans in the Russian Federation and the Republic of Moldova. The methodological basis of the work is made up of methods of analysis and synthesis, the combination of logical and historical approaches, methods of economic comparison and statistical analysis. The result of the study of the first part of the article is to identify the stages of development of mortgage loans in the Russian Federation, an analysis of prices in the primary and secondary markets of residential property on the basis of aggregate statistical indicators that reflect the status and characteristics of the housing market. The Russian experience is correlated with the peculiarities of the development of the mortgage market in the Republic of Moldova.

  8. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Science.gov (United States)

    2011-07-11

    ... Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs, Health Care Facilities and... mortgage insurance premiums (MIPs) for FHA Multifamily Housing, Health Care Facilities, and Hospital... mortgage insurance regulation at 24 CFR 207.254 provides as follows: Notice of future premium changes will...

  9. 26 CFR 1.162-19 - Capital contributions to Federal National Mortgage Association.

    Science.gov (United States)

    2010-04-01

    ... issuance price (the amount of capital contributions evidenced by a share of stock) over the fair market... sale to FNMA of mortgage paper gives rise to the issuance of a share of FNMA stock during a taxable... gain or loss from the sale to FNMA of mortgage paper, with respect to which a share of FNMA stock is...

  10. 78 FR 41339 - Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim Proceeds

    Science.gov (United States)

    2013-07-10

    ... mortgage insurance eligibility requirements and contract rights and obligations can be found at 24 CFR part... contract rights and obligations of mortgagees participating in FHA multifamily insurance programs and using...: Proposed rule. SUMMARY: This proposed rule would amend HUD's regulations covering the contract rights and...

  11. 77 FR 9177 - Federal Housing Administration (FHA): Suspension of Section 238(c) Single-Family Mortgage...

    Science.gov (United States)

    2012-02-16

    ... economic impact on a substantial number of small entities. Executive Order 13132, Federalism Executive Order 13132 (entitled ``Federalism'') prohibits an agency from publishing any rule that has federalism... and funding requirements of section 6 of the Executive Order. This rule will not have federalism...

  12. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals... governing housing goals for the Federal Home Loan Banks (Banks) to make those requirements consistent with... Section 1205 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank...

  13. 7 CFR 1718.52 - Existing mortgages.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Existing mortgages. 1718.52 Section 1718.52 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers § 1718.52...

  14. 77 FR 2024 - Federal Housing Administration (FHA) Single-Family Mortgage Insurance: Elimination of Requests...

    Science.gov (United States)

    2012-01-13

    ... transaction data and indirect home value data at the county level. In addition, since HUD began this new... advance by calling the Regulations Division at (202) 708- 3055 (this is not a toll-free number). Individuals with speech or hearing impairments may access this number via TTY by calling the Federal Relay...

  15. 77 FR 72920 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Science.gov (United States)

    2012-12-07

    ... 202-708- 0599 (this is not a toll-free number). Persons with hearing or speech impairments may access... freedom of choice for the public. As this rule will include guidance for PPCs in the Code of Federal...-402-3055 (this is not a toll-free number). Individuals with speech or hearing impairments may access...

  16. Comparative Analysis Of Agricultural News Covered By Federal ...

    African Journals Online (AJOL)

    This study investigated the frequency of agricultural news coverage in three Nigerians newspapers. The three papers were the Federal Government Daily Times, the Rivers State Government Tide, and a Privately owned and well read The Guardian. The objective of the study was to compare the extent of agricultural news ...

  17. 75 FR 3647 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Risk-Based Capital...

    Science.gov (United States)

    2010-01-22

    ... Funding and Fiscal Affairs; Risk-Based Capital Requirements AGENCY: Farm Credit Administration. ACTION... further directed FCA to estimate the credit risk on the portfolio covered by this new authority at a rate... component to directly recognize the credit risk on such loans.\\4\\ At the time of the Farm Bill's enactment...

  18. 76 FR 35138 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Risk-Based...

    Science.gov (United States)

    2011-06-16

    ... Funding and Fiscal Affairs; Farmer Mac Risk-Based Capital Stress Test, Version 5.0 AGENCY: Farm Credit... credit rating agency) in regulations addressing the Risk-Based Capital Stress Test (RBCST or stress test...) (repealing and replacing Pub. L. 110-234). B. Risk-Based Capital and Credit Ratings Under our rules, Farmer...

  19. 78 FR 5320 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Capital Planning

    Science.gov (United States)

    2013-01-25

    ... the business planning period a required discussion of how factors might impact Farmer Mac's current... discussion of any expected changes to Farmer Mac's business plan that are likely to have a material impact on... conditions that cause increases in delinquency rates caused by any variety of factors (e.g., widespread...

  20. 78 FR 65541 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Liquidity...

    Science.gov (United States)

    2013-11-01

    ... attention issues and concerns that they believe warrant further or heightened FCA scrutiny. The second...; Divide the 90-day liquidity reserve into three tiers so Farmer Mac has a sufficient amount of cash and... that can be traded at fair value and an explicit public backstop.'' From the FCA's perspective, whether...

  1. 77 FR 66375 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investment...

    Science.gov (United States)

    2012-11-05

    ... requirements. investment purposes and limitation. Sec. 652.20 Liquidity reserve Sec. 652.20 Eligible non... non-program Sec. 652.35 Liquidity reserve investments. management and requirements. Sec. 652.40 Stress... requirements, complying with liquidity requirements, or managing surplus short-term funds, mission advancement...

  2. 78 FR 65145 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Capital Planning

    Science.gov (United States)

    2013-10-31

    ... capital adequacy and capital planning. \\4\\ Bank for International Settlements, Basel Committee on Banking....60--Corporate Business Planning The Farm Credit Council commented that our reference to ``goals and.... 652.60 to read as follows: Sec. 652.60 Corporate business planning. (a) Farmer Mac's board of...

  3. 75 FR 27951 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and...

    Science.gov (United States)

    2010-05-19

    .... 2279aa-2279cc et seq.) \\2\\ See section 8.13 of the Act. A fundamental premise of finance is the natural... changes to the regulations to enhance their fundamental objective: to ensure the safety and soundness and... purpose embedded in its corporate mission that arises from having been created by an act of Congress. The...

  4. 7 CFR 1718.54 - Availability of model mortgage.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model mortgage. 1718.54 Section 1718.54 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers...

  5. Second Mortgages

    DEFF Research Database (Denmark)

    Miltersen, Kristian R.; Torous, Walter N.

    correlates homeowners' default decisions so that a large drop in house prices can result in almost all of these homeowners defaulting together. In this case, even the most senior tranches of structured financial products collateralized by first-lien mortgages may no longer be protected from default losses...... after the bursting of the U.S. housing bubble. By contrast, our results are not consistent with the argument that the observed downgrades occurred because the severity of the U.S. housing market downturn was underestimated by credit rating agencies....

  6. Mortgage Debt and Wages

    DEFF Research Database (Denmark)

    Wood, James

    2017-01-01

    Different approaches to mortgage debt may impact wages, how homeowners engage with employers and welfare services, and economic growth.......Different approaches to mortgage debt may impact wages, how homeowners engage with employers and welfare services, and economic growth....

  7. Mortgage Finance in Denmark

    DEFF Research Database (Denmark)

    2011-01-01

    A brief introduction to the Danish mortgage system and some of the challenges and possibilities within this framework.......A brief introduction to the Danish mortgage system and some of the challenges and possibilities within this framework....

  8. Terminated Multifamily Mortgages Database

    Data.gov (United States)

    Department of Housing and Urban Development — This dataset includes all terminated HUD Multifamily mortgages except those from the Hospital Mortgage Insurance Program. It includes the Holder and Servicer at the...

  9. Mortgage Default Risk

    DEFF Research Database (Denmark)

    Chauvet, Marcelle; Gabriel, Stuart; Lutz, Chandler

    2016-01-01

    We use Google search query data to develop a broad-based and real-time index of mortgage default risk. Unlike established indicators, our Mortgage Default Risk Index (MDRI) directly reflects households’concerns regarding their risk of mortgage default. The MDRI predicts housing returns, mortgage ...... delinquency indicators, and subprime credit default swaps. These results persist both in- and out-of-sample and at multiple data frequencies. Together, research findings suggest internet search queries yield valuable new insights into household mortgage default risk....

  10. effects of climate change on agricultural productivity in the federal

    African Journals Online (AJOL)

    Osondu

    2012-10-18

    Oct 18, 2012 ... The effects of the dynamics of climate on agricultural production are the thrust of this paper. Temperature .... climatic conditions that influence agricultural production in ... temperature when there are few clouds in the. FCT.

  11. 9 CFR 56.7 - Mortgage against poultry or eggs.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against poultry or eggs. 56.7... AGRICULTURE COOPERATIVE CONTROL AND ERADICATION OF LIVESTOCK OR POULTRY DISEASES CONTROL OF H5/H7 LOW PATHOGENIC AVIAN INFLUENZA § 56.7 Mortgage against poultry or eggs. When poultry or eggs have been destroyed...

  12. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Science.gov (United States)

    2013-09-26

    ... Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY) 2014 AGENCY: Office of the... with HUD regulations, this Notice announces the mortgage insurance premiums (MIPs) for Federal Housing Administration (FHA) Multifamily, Healthcare Facilities, and Hospital mortgage insurance programs that have...

  13. ENFORCEMENT OF MORTGAGE CONTRACT

    Directory of Open Access Journals (Sweden)

    Alisa A. BELU

    2016-07-01

    Full Text Available A chattel mortgage contract is the expression of a real guarantee that gives the creditor precedence over other creditors, in addition to the general pledge upon the belongings of the debtor. It refers to the sale of mortgaged movable assets, exclusively or prioritized in favor of the mortgaging creditor, in case the debtor does not comply with his / her commitments, under the signed mortgage contract. Beginning from this purpose, shared by both sides (as the chattel mortgage contract is synallagmatic, in case the debtor is unable to fulfill his / her commitments, the sides reach a situation of enforcement of the signed chattel mortgage contract. Given the legal status of the chattel mortgage contract [Art. 2387-2477 Noul Cod Civil , Universul Juridic, Bucureşti, 2016, ISBN 978-606-673-792-0], the principle of binding force of the contract and the principle according to which signed legal conventions will entail legal effects, the Romanian law maker developed the proper legal framework for the enforcement of the chattel mortgage contract. [art. 622 si urm. Noul Cod de Procedură Civilă, ed. Hamangiu, Bucureşti, 2016, ISBN 978-606-27-0459-9].

  14. Mortgage market regulation: Europe

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    Despite several European Union (EU) initiatives, there is only limited pan-European mortgage market regulation. The EU strategy can be characterised as one of parallel liberalisation and consolidation. This article highlights the key differences in regulation among European mortgage markets.

  15. A primer on the mortgage market and mortgage finance

    OpenAIRE

    Daniel J. McDonald; Daniel L. Thornton

    2008-01-01

    This article is a primer on mortgage finance. It discusses the basics of the mortgage market and mortgage finance. In so doing, it provides useful information that can aid individuals in making better mortgage finance decisions. The discussion and the tools are presented within the context of mortgage finance; however, these same principles and tools can be applied to a wide range of financial decisions.

  16. Location mortgage in accounting objects

    Directory of Open Access Journals (Sweden)

    I.M. Vygiska

    2015-12-01

    Full Text Available The article analyzes the mechanism of the implementation of all kinds of mortgage (mortgage, pledge, mortgage of securities, security of property rights, the mortgage of goods in circulation or processing, tax lien defined the specificity of receipt/return of the mortgage, particularly payments between mortgagor and the mortgagee. Determine the subject property entities that can act as mortgage; identified by their place in the system of objects of accounting mortgagor and the mortgagee. The peculiarities of the balance sheet and off-balance sheet assets as a reflection of your collateral. Identified two groups of mortgage transactions: transactions with mortgage for its receipt and transmission; business transactions related to the conditions of loan agreements (loan and mortgage. The results are shown in the research paper proposals allow for further research to develop mortgage organizational and methodological support the operations accounting for the effective management of financial resources and obligations, collateralised.

  17. Pricing Shared Appreciation Mortgages

    OpenAIRE

    Zhong, Yina

    2006-01-01

    This paper develops a model for the valuation of shared appreciation mortgage (SAM) and examines the effect of reduction in interest rate on the mortgage duration and share of property appreciation lender charges. The recent rise in SAM availability, as a result of some secondary market financial support and prerequisite standardization, motivates a more careful consideration of the underlying SAM value. The primary difference between the SAM model and the model for general traditional mor...

  18. Fracking and mortgage default

    OpenAIRE

    Cunningham, Christopher R.; Gerardi, Kristopher; Shen, Yannan

    2017-01-01

    This paper finds that increased hydraulic fracturing, or "fracking", along the Marcellus Formation in Pennsylvania had a significant, negative effect on mortgage credit risk. Controlling for potential endogeneity bias by utilizing the underlying geologic properties of the land as instrumental variables for fracking activity, we find that mortgages originated before the 2007 boom in shale gas, were, post-boom, significantly less likely to default in areas with greater drilling activity. The we...

  19. RESIDENTIAL MORTGAGE IN MODERN RUSSIA

    Directory of Open Access Journals (Sweden)

    Dementiev N. P.

    2015-03-01

    Full Text Available The article presents a comparative analysis of residential mortgages in Russia and the United States. The primary ways of mortgage refinancing are outlined. Predominance of the elements of two-level refinancing system of residential mortgage in Russia and the United States is shown. The activity of the Agency for Housing Mortgage Lending (AHML, the basic tool of the Russian government’s mortgage policy, is described in detail. In its objectives and functions the AHML is similar to the American mortgage agencies Ginnie Mae, Fannie Mae and Freddie Mac. Similarities were identified in the Russian and US residential mortgages in the pre-crisis period (high rates of mortgage growth, favourable economic conjuncture, low interest rates, large increase in house prices, speculative housing demand. During the mortgage crisis, the policies of the Russian and US governments and monetary authorities had also much in common (monetary policy easing, cheap central banks loans, extended facilities of mortgage refinancing on the part of state agencies, mortgage rescue scheme, social mortgage programs. But the scope of mortgage in Russia is enormously narrow as compared to the US mortgage. The most important reason for that - low incomes of the Russian population.

  20. 7 CFR 3565.108 - Responsibility for actions of agents and mortgage brokers.

    Science.gov (United States)

    2010-01-01

    ... brokers. 3565.108 Section 3565.108 Agriculture Regulations of the Department of Agriculture (Continued... Requirements § 3565.108 Responsibility for actions of agents and mortgage brokers. An approved lender is responsible for the actions of its agents and mortgage brokers. ...

  1. Path innovation of rural property mortgage financing in China

    OpenAIRE

    Wu Yongchao

    2016-01-01

    Rural property mortgage financing, as an important breakthrough to deepen the reform of rural property right system and financial system, is an important approach to increase the farmers’ property income. Besides, rural property mortgage financing is of great significance in implementing the rural land usufructuary right and meeting the demand of medium-and-long-term and large-scale operation of the funds used in agricultural production. Under the existing institutional arrangement, the prope...

  2. Mortgage lenders and loans

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks,

  3. Numerical ability predicts mortgage default.

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-07-09

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one's mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage.

  4. Numerical ability predicts mortgage default

    Science.gov (United States)

    Gerardi, Kristopher; Goette, Lorenz; Meier, Stephan

    2013-01-01

    Unprecedented levels of US subprime mortgage defaults precipitated a severe global financial crisis in late 2008, plunging much of the industrialized world into a deep recession. However, the fundamental reasons for why US mortgages defaulted at such spectacular rates remain largely unknown. This paper presents empirical evidence showing that the ability to perform basic mathematical calculations is negatively associated with the propensity to default on one’s mortgage. We measure several aspects of financial literacy and cognitive ability in a survey of subprime mortgage borrowers who took out loans in 2006 and 2007, and match them to objective, detailed administrative data on mortgage characteristics and payment histories. The relationship between numerical ability and mortgage default is robust to controlling for a broad set of sociodemographic variables, and is not driven by other aspects of cognitive ability. We find no support for the hypothesis that numerical ability impacts mortgage outcomes through the choice of the mortgage contract. Rather, our results suggest that individuals with limited numerical ability default on their mortgage due to behavior unrelated to the initial choice of their mortgage. PMID:23798401

  5. 26 CFR 6a.103A-1 - Interest on mortgage subsidy bonds.

    Science.gov (United States)

    2010-04-01

    ... interest on a mortgage subsidy bond is includable in gross income and subject to Federal income taxation... the regulations thereunder. (4) Advance refunding. On or after December 5, 1980, no tax-exempt obligation may be issued for the advance refunding of a mortgage subsidy bond (determined without regard to...

  6. 75 FR 60352 - Notice of Proposed Rulemaking: Mortgage Acts and Practices - Advertising Rule

    Science.gov (United States)

    2010-09-30

    ... Acts and Practices - Advertising Rule AGENCY: Federal Trade Commission (FTC or Commission). ACTION...) relating to unfair or deceptive acts and practices that may occur with regard to mortgage advertising, the Mortgage Acts and Practices (MAP) - Advertising Rule (proposed rule). The proposed rule published for...

  7. ENVIRONMENTAL PROBLEMS OF AGRICULTURAL LAND MANAGEMENT IN THE NORTH CAUCASIAN FEDERAL DISTRICT

    Directory of Open Access Journals (Sweden)

    M. R. Musayev

    2016-01-01

    Full Text Available Aim. The aim is to assess the environmental problems in the North Caucasus Federal District of the Russian Federation. Methods. An analysis of the literature and own research at a high anthropogenic pressure on agricultural land through the development of more stringent criteria for assessing the already degraded areas. Results. In the Stavropol region, Andropov district is in the most catastrophic state: of eight ratings five have the highest (fifth catastrophic degree degree of degradation; two the first (low and one rating has the second (middle. On the territory of Kabardino-Balkarian Republic, the highest degree of degradation of agricultural land is assigned to rocky ground, where it has a catastrophic rate of 9.76 points. For agricultural workers on steppe plains, the priority is to fight against deflation, as there is also a high degradation level 6.67 (above catastrophic. Conclusion. It was established that in the North Caucasus Federal District the system of rational use of land should be of environmental and resource-conserving nature and provide for the preservation of the soil, limiting the impact on flora and fauna, geological formations, and other components of the environment.

  8. Safe and Liquid Mortgage Bonds

    DEFF Research Database (Denmark)

    Dick-Nielsen, Jens; Gyntelberg, Jacob; Lund, Jesper

    This paper shows that strict match pass-through funding of covered bonds provides safe and liquid mortgage bonds. Despite a 30% drop in house prices during the 2008 global crisis Danish mortgage bonds remained as liquid as most European government bonds. The Danish pass-through system effectively...... eliminates credit risk from the investor's perspective. Similar to other safe bonds, funding liquidity becomes the main driver of mortgage bond liquidity and this creates commonality in liquidity across markets and countries. These findings have implications for how to design a robust mortgage bond system...

  9. Path innovation of rural property mortgage financing in China

    Directory of Open Access Journals (Sweden)

    Wu Yongchao

    2016-01-01

    Full Text Available Rural property mortgage financing, as an important breakthrough to deepen the reform of rural property right system and financial system, is an important approach to increase the farmers’ property income. Besides, rural property mortgage financing is of great significance in implementing the rural land usufructuary right and meeting the demand of medium-and-long-term and large-scale operation of the funds used in agricultural production. Under the existing institutional arrangement, the property mortgage financing in the rural areas of our country still is faced with many obstacles, and it is still at the stage of low level development. In this paper, closely based on the acceptability and the difficulty in the mortgaged property involving in legal disposal, the author puts forward important methods: clearly define the ownership, unify the urban and rural markets, increase the participation enthusiasm of financing bodies, and improve the supporting policies to promote property mortgage financing in rural area. Finally, the government should give farmers more property rights and revitalize the usufructuary right of agricultural land and its derivative right.

  10. Green mortgages in the Netherlands

    International Nuclear Information System (INIS)

    Bosch, N.

    1997-01-01

    Since November 1996 sustainable building of houses is also part of the fiscal Regulation for Green Projects (i.e. the stimulation of environment-friendly investments). The extension of that financial regulation resulted in a new product: Green Mortgages. The conditions that have to be met to be qualified for a Green Mortgage are briefly outlined

  11. Portfolio Optimization and Mortgage Choice

    Directory of Open Access Journals (Sweden)

    Maj-Britt Nordfang

    2017-01-01

    Full Text Available This paper studies the optimal mortgage choice of an investor in a simple bond market with a stochastic interest rate and access to term life insurance. The study is based on advances in stochastic control theory, which provides analytical solutions to portfolio problems with a stochastic interest rate. We derive the optimal portfolio of a mortgagor in a simple framework and formulate stylized versions of mortgage products offered in the market today. This allows us to analyze the optimal investment strategy in terms of optimal mortgage choice. We conclude that certain extreme investors optimally choose either a traditional fixed rate mortgage or an adjustable rate mortgage, while investors with moderate risk aversion and income prefer a mix of the two. By matching specific investor characteristics to existing mortgage products, our study provides a better understanding of the complex and yet restricted mortgage choice faced by many household investors. In addition, the simple analytical framework enables a detailed analysis of how changes to market, income and preference parameters affect the optimal mortgage choice.

  12. 78 FR 36562 - 30-Day Notice of Proposed Information Collection: Home Equity Conversion Mortgage (HECM...

    Science.gov (United States)

    2013-06-18

    ... with hearing or speech impairments may access this number through TTY by calling the toll-free Federal... analysis, underwriting analysis, and collection of mortgage insurance premiums for loans that meet...

  13. 76 FR 38463 - SAFE Mortgage Licensing Act: Minimum Licensing Standards and Oversight Responsibilities

    Science.gov (United States)

    2011-06-30

    ... housing laws that address the dramatic rise in mortgage delinquencies and foreclosures in the residential... regarding the status and employment history of all state-licensed and federally loan originators, as well as...

  14. Allegheny County Mortgage Foreclosure Records

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — This data includes filings related to mortgage foreclosure in Allegheny County. The foreclosure process enables a lender to take possession of a property due to an...

  15. Ten myths about subprime mortgages

    OpenAIRE

    Yuliya Demyanyk

    2009-01-01

    On close inspection many of the most popular explanations for the subprime crisis turn out to be myths. Empirical research shows that the causes of the subprime mortgage crisis and its magnitude were more complicated than mortgage interest rate resets, declining underwriting standards, or declining home values. Nor were its causes unlike other crises of the past. The subprime crisis was building for years before showing any signs and was fed by lending, securitization, leveraging, and housing...

  16. From France to the World: The International Federation of Organic Agriculture Movements (IFOAM

    Directory of Open Access Journals (Sweden)

    John Paull

    2010-12-01

    Full Text Available The formation of the International Federation of Organic Agriculture Movements (IFOAM at Versailles, France, in 1972 set organic food and farming on a strong future trajectory. It was an initiative of France’s Nature et Progrès, and driven by its then President, Roland Chevriot. IFOAM was founded with the support of a small cluster of kindred organisations: Rodale Press of the USA; the Soil Association of the UK; the Soil Association of South Africa; and the Swedish Biodynamic Association. None of these five organisations bore the term ‘organic’ in their title, nevertheless, the choice of name acknowledged ‘organic’ as the term to signify their common cause. It secured ‘organic’ as the core narrative element and as the international descriptor of what is now a clearly identifiable and differentiated segment of the global food and farming sector. From the outset ‘biodynamic’ was accepted as a special case of ‘organic’. The formation of IFOAM created an entity which united the aspirations, the philosophies and the hopes of disparate groups each with roles primarily restricted to national advocacy. IFOAM has grown to a federation of 804 organisations from 111 counties. Organic production statistics are now reported by IFOAM from 154 countries and organic sector retail sales are reported to be US$51b annually. IFOAM is based in Bonn, Germany, and as the global umbrella advocacy group for the organic sector it is without peer.

  17. Agriculture

    International Nuclear Information System (INIS)

    Goetz, B.; Riss, A.; Zethner, G.

    2001-01-01

    This chapter deals with fertilization techniques, bioenergy from agriculture, environmental aspects of a common agriculture policy in the European Union, bio-agriculture, fruit farming in Austria and with environmental indicators in agriculture. In particular renewable energy sources (bio-diesel, biogas) from agriculture are studied in comparison to fossil fuels and other energy sources. (a.n.)

  18. 24 CFR 4001.203 - Calculation of upfront and annual mortgage insurance premiums for Program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for Program mortgages. 4001.203 Section 4001.203 Housing and Urban Development... HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Rights and Obligations Under the Contract of Insurance § 4001.203 Calculation of upfront and annual mortgage insurance premiums for Program mortgages. (a...

  19. Accounting mortgage transactions: directions of improvement

    Directory of Open Access Journals (Sweden)

    I.M. Vygivska

    2016-12-01

    Full Text Available Fragmentation methods of accounting of contractual obligations secured by mortgage, discussion questions evaluating the object of mortgage at the stage of conclusion of loan agreements (credit and the probability of default and foreclosure with the mortgagor necessitated a comprehensive research and development of methodical maintenance of accounting mortgage transactions in subjects of its implementation (the mortgagor and mortgagee, including the improvement of the order of accounting reflection operations with a mortgage of property rights, hypothec, «solid mortgage», mortgage securities, the mortgage of goods in circulation or processing. The article also provides the procedure of evaluating the object of mortgage at default of the mortgagor conditions of the contract taking into account its depreciation (physical and moral deterioration during the loan repayment period; the author specifies the procedure for recording of transactions related to the sale of such objects as the basis for providing contractual management process obligations of the debtor with relevant information.

  20. 24 CFR 203.32 - Mortgage lien.

    Science.gov (United States)

    2010-04-01

    ... obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor independently of the...

  1. 24 CFR 235.1214 - Mortgage lien.

    Science.gov (United States)

    2010-04-01

    ...: Contract Rights and Obligations; Assistance Payments Contracts; Servicing Responsibilities-Refinancing... unpaid obligations contracted in connection with the mortgage transaction or the purchase of the mortgaged property, except obligations that are secured by property or collateral owned by the mortgagor...

  2. The globalization and Europeanization of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2009-01-01

    Do globalization and Europeanization lead to the deterritorialization of European mortgage markets? Neither economic globalization nor EU policies have resulted in one European mortgage market. The various European mortgage markets are still quite different from one another in many respects. In most

  3. Agriculture

    Science.gov (United States)

    The EPA Agriculture Resource Directory offers comprehensive, easy-to-understand information about environmental stewardship on farms and ranches; commonsense, flexible approaches that are both environmentally protective and agriculturally sound.

  4. Perspectives on the Structure of American Agriculture. Volume II: Federal Farm Policies--Their Effects on Low-Income Farmers and Rural Communities.

    Science.gov (United States)

    Coughlin, Kenneth M., Ed.

    Agriculture and farming are the economic context for rural education. This is the second of two volumes of papers describing the impact of national agricultural policy on the poor. The nine articles in this volume (shot-titled below) analyze federal policy from the standpoint of the low-income farmer: (1) "Agricultural Price Supports,"…

  5. THE IMPACT OF THE RECENT FEDERAL RESERVE LARGESCALE ASSET PURCHASES ON THE AGRICULTURAL COMMODITY PRICES: A HISTORICAL DECOMPOSITION

    Directory of Open Access Journals (Sweden)

    Sayed H. Saghaian

    2014-04-01

    Full Text Available In this study, we evaluate the effects of the recent Federal Reserve’s purchases of longterm assets on prices of agricultural commodities. The first large-scale asset purchases began at the end of 2008, after the Great Recession, and the second purchases began in November of 2010. The commodities included in this analysis are meats (beef, pork, and broilers, cereal grains (corn, soybeans, wheat, and rice, and softs (sugar, coffee, cocoa, and cotton. Using historical decompositions, we find significant increases in the nominal agricultural prices of ten out of 12 agricultural commodities under investigation from the second large-scale asset purchases (in 2010 but the first set large-scale asset purchases had only two positive effects.

  6. Agriculture

    International Nuclear Information System (INIS)

    2002-01-01

    The report entitled Climate Change Impacts and Adaptation : A Canadian Perspective, presents a summary of research regarding the impacts of climate change on key sectors over the past five years as it relates to Canada. This chapter on agriculture describes how climate change will affect primary agriculture production in Canada with particular focus on potential adaptation options, and vulnerability of agriculture at the farm level. Agriculture is a vital part of the Canadian economy, although only 7 per cent of Canada's land mass is used for agricultural purposes due to the limitations of climate and soils. Most parts of Canada are expected to experience warmer conditions, longer frost-free seasons and increased evapotranspiration. The impacts of these changes on agriculture will vary depending on precipitation changes, soil conditions, and land use. Northern regions may benefit from longer farming seasons, but poor soil conditions will limit the northward expansion of agricultural crops. Some of the negative impacts associated with climate change on agriculture include increased droughts, changes in pest and pathogen outbreaks, and moisture stress. In general, it is expected that the positive and negative impacts of climate change would offset each other. 74 refs., 2 tabs., 1 fig

  7. Did the Federal Agriculture Improvement and Reform Act of 1996 Affect Farmland Values?

    Directory of Open Access Journals (Sweden)

    Charles B. Moss

    2011-03-01

    Full Text Available Farmland values are affected by numerous factors, including farm policy, shifts in demand for agricultural output both foreign and domestic, monetary policy and urban pressure. In this study we use an information measure to examine whether the shift toward a more market-oriented policy in 1996 changed the relationship between farmland values and government payments. The results indicated that the shift in agricultural policy resulted in significant shift in this relationship.

  8. Integrating Federal and State data records to report progress in establishing agricultural conservation practices on Chesapeake Bay farms

    Science.gov (United States)

    Hively, W. Dean; Devereux, Olivia H.; Claggett, Peter

    2013-01-01

    In response to the Executive Order for Chesapeake Bay Protection and Restoration (E.O. #13508, May 12, 2009), the U.S. Geological Survey (USGS) took on the task of acquiring and assessing agricultural conservation practice data records for U.S. Department of Agriculture (USDA) programs, and transferred those datasets in aggregated format to State jurisdictional agencies for use in reporting conservation progress to the Chesapeake Bay Program Partnership (CBP Partnership). Under the guidelines and regulations that have been developed to protect and restore water-quality in the Chesapeake Bay, the six State jurisdictions that fall within the Chesapeake Bay watershed are required to report their progress in promoting agricultural conservation practices to the CBP Partnership on an annual basis. The installation and adoption of agricultural best management practices is supported by technical and financial assistance from both Federal and State conservation programs. The farm enrollment data for USDA conservation programs are confidential, but agencies can obtain access to the privacy-protected data if they are established as USDA Conservation Cooperators. The datasets can also be released to the public if they are first aggregated to protect farmer privacy. In 2012, the USGS used its Conservation Cooperator status to obtain implementation data for conservation programs sponsored by the USDA Natural Resources Conservation Service (NRCS) and the USDA Farm Service Agency (FSA) for farms within the Chesapeake Bay watershed. Three jurisdictions (Delaware, Pennsylvania, and West Virginia) used the USGS-provided aggregated dataset to report conservation progress in 2012, whereas the remaining three jurisdictions (Maryland, New York, and Virginia) used jurisdictional Conservation Cooperator Agreements to obtain privacy-protected data directly from the USDA. This report reviews the status of conservation data sharing between the USDA and the various jurisdictions, discusses the

  9. 24 CFR 266.410 - Mortgage provisions.

    Science.gov (United States)

    2010-04-01

    ... HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and... than the purpose intended on the day the mortgage was executed. The conversion of a project from rental... requirements apply as long as the HFA retains an interest in the project and final claim settlement has not...

  10. Losses on Dutch residential mortgage insurances

    NARCIS (Netherlands)

    Francke, M.K.; Schilder, F.P.W.

    2014-01-01

    Purpose - This paper aims to study the data on losses on mortgage insurance in the Dutch housing market to find the key drivers of the probability of loss. In 2013, 25 per cent of all Dutch homeowners were "under water": selling the property will not cover the outstanding mortgage debt. The

  11. Mortgage risks, debt literacy and financial advice

    NARCIS (Netherlands)

    van Ooijen, Raun; van Rooij, Maarten C.J.

    2016-01-01

    A limited understanding of mortgage contracts and the risks involved may have contributed to the outbreak of the 2007–2008 financial crisis. We developed a special questionnaire relating mortgage loan decisions to financial knowledge and financial advice. Our results demonstrate that homeowners

  12. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

    Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat

    2013-01-01

    The Danish mortgage market has undergone considerable changes during the last 15 years. New and more complex variations of loan products have been introduced. Nevertheless, mortgage loan advice has remained, by large, unchanged. This paper addresses a study where a number of new refinancing rules...

  13. MBS Ratings and the Mortgage Credit Boom

    NARCIS (Netherlands)

    Ashcraft, A.; Goldsmith-Pinkham, P.; Vickery, J.

    2010-01-01

    We study credit ratings on subprime and Alt-A mortgage-backed securities (MBS) deals issued between 2001 and 2007, the period leading up to the subprime crisis. The fraction of highly-rated securities in each deal is decreasing in mortgage credit risk (measured either ex-ante or ex-post), suggesting

  14. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experien...

  15. Agriculture: Agriculture and Air Quality

    Science.gov (United States)

    Information on air emissions from agricultural practices, types of agricultural burning, air programs that may apply to agriculture, reporting requirements, and links to state and other federal air-quality information.

  16. "Left High and Dry": Federal Land Policies and Pima Agriculture, 1860-1910

    Science.gov (United States)

    Dejong, David H.

    2009-01-01

    The Akimel O'odham, or "River People" (Pima), have lived in the middle Gila River Valley for centuries, irrigating and cultivating the same land as their Huhugam ancestors did for millennia. Continuing their irrigated agricultural economy bequeathed to them by their Huhugam ancestors, the Pima leveraged a favorable geopolitical setting into a…

  17. 24 CFR 266.415 - Mortgage lien and other obligations.

    Science.gov (United States)

    2010-04-01

    ... determine, that all contractual obligations in connection with the mortgage transaction, including the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage lien and other obligations... Mortgage and Closing Requirements; HUD Endorsement § 266.415 Mortgage lien and other obligations. (a) Liens...

  18. 24 CFR 266.604 - Mortgage insurance premium: Other requirements.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Other... Contract Rights and Obligations Mortgage Insurance Premiums § 266.604 Mortgage insurance premium: Other..., based upon the respective share of risk, that is to be used in calculating mortgage insurance premiums...

  19. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

  20. 24 CFR 221.254 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

  1. 26 CFR 301.7701(i)-1 - Definition of a taxable mortgage pool.

    Science.gov (United States)

    2010-04-01

    ... pool of real estate mortgages from escaping Federal income taxation when the pool is used to issue... other third party agrees to make advances (regardless of whether, under the terms of the agreement, the payor is obligated, or merely permitted, to make those advances). An agreement by a debt servicer to...

  2. 76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)

    Science.gov (United States)

    2011-12-19

    ... BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1007 and 1008 [Docket No. CFPB-2011-0023] RIN 3170-AA06 S.A.F.E. Mortgage Licensing Act (Regulations G & H) AGENCY: Bureau of Consumer Financial... number of consumer financial protection laws from seven Federal agencies to the Bureau of Consumer...

  3. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Science.gov (United States)

    2010-04-01

    ... each of the above classes of mortgage loans the average gross rate of interest on mortgage loans held... mortgages sold Amortization of premium Other (describe) Balance at close of period $ If additions represent... item of mortgage loans on real estate investments has been written down or reserved against pursuant to...

  4. Impacts of the Federal Energy Acts and Other Influences on Prices of Agricultural Commodities and Food

    OpenAIRE

    Ferris, John N.

    2013-01-01

    Most of the increase in ethanol production in the 2008-2012 period can be attributed to the Energy Independence and Security Act of 2007 (EISA) and earlier federal energy legislation. The expansion in U.S. biofuel production, particularly ethanol, was the predominant cause of the elevated commodity prices. Other influences documented were a weak dollar, speculation and an increasingly inelastic commodity demand function. The supply function displayed more elasticity as crop farmers responded ...

  5. Optimal Mortgage Refinancing: A Closed Form Solution.

    Science.gov (United States)

    Agarwal, Sumit; Driscoll, John C; Laibson, David I

    2013-06-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least [Formula: see text] In this formula W (.) is the Lambert W -function, [Formula: see text] ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods.

  6. Optimal Mortgage Refinancing: A Closed Form Solution

    Science.gov (United States)

    Agarwal, Sumit; Driscoll, John C.; Laibson, David I.

    2013-01-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least 1ψ[ϕ+W(−exp(−ϕ))]. In this formula W(.) is the Lambert W-function, ψ=2(ρ+λ)σ,ϕ=1+ψ(ρ+λ)κ∕M(1−τ), ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods. PMID:25843977

  7. SHORT-TERM FORECASTING OF MORTGAGE LENDING

    Directory of Open Access Journals (Sweden)

    Irina V. Orlova

    2013-01-01

    Full Text Available The article considers the methodological and algorithmic problems arising in modeling and forecasting of time series of mortgage loans. Focuses on the processes of formation of the levels of time series of mortgage loans and the problem of choice and identification of models in the conditions of small samples. For forecasting options are selected and implemented a model of autoregressive and moving average, which allowed to obtain reliable forecasts.

  8. Multiple Layers of Credit and Mortgage Crises

    OpenAIRE

    Paula Hernandez-Verme

    2011-01-01

    I examine a production economy with a financial sector that contains multiple layers of credit. Such layers are designed to constitute credit chains which are inclusive of a simple mortgage market. The focus is on the nature and contagion properties of credit chains in an economy where the financial sector plays a real allocative role and agents have a nontrivial choice of whether to default on mortgages or not. Multiple equilibria with different rates of default are observed, due to the pres...

  9. Residential Mortgage Market in Economic and Social Development of Ukraine

    Directory of Open Access Journals (Sweden)

    Onysko Stefaniia M.

    2014-02-01

    Full Text Available The article studies tendencies of development of the residential mortgage market in Ukraine in the post-crisis period 2009 – 2012, identifies main tendencies of development of the Ukrainian mortgage market and conducts analysis of the level of mortgage interest rates. The article analyses the modern state of the mortgage market of Ukraine, dynamics of volumes of mortgage loans, their cost, structure of banks as mortgage creditors and cost of housing in Ukraine in the studied period. The article makes a number of offers on efficiency of mortgage, offers directions of financial support of rehabilitation of the market for solving housing problems of the population and identifies importance of state support of mortgage development.

  10. 24 CFR 257.203 - Calculation of up-front and annual mortgage insurance premiums for H4H program mortgages.

    Science.gov (United States)

    2010-04-01

    ... mortgage insurance premiums for H4H program mortgages. 257.203 Section 257.203 Housing and Urban... mortgage insurance premiums for H4H program mortgages. (a) Applicable premiums. Any mortgage presented for... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOPE FOR HOMEOWNERS PROGRAM...

  11. Home-mortgage lending trends in New England in 2010

    OpenAIRE

    Ana Patricia Muñoz

    2012-01-01

    This brief analysis of home-mortgage lending trends in New England is based on data collected under the Home Mortgage Disclosure Act (HMDA). HMDA provides information on mortgage lending trends and includes data by loan purpose, type of loan, income, and the race and ethnicity of borrowers. In this report we focus on home-purchase and refinance loans in New England.

  12. Financial Literacy and the Use of Interest-Only Mortgages

    Science.gov (United States)

    Seay, Martin C.; Preece, Gloria L.; Le, Vincent C.

    2017-01-01

    This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…

  13. Common Problems of Mortgage Banking Development in Poland

    Directory of Open Access Journals (Sweden)

    Anna Szelągowska

    2007-03-01

    Full Text Available In many countries the mortgage banking plays a basic role in the housing funding. The Polish model of the housing funding in large measure grounded on banking loans. However, more than 95% of mortgage loans come from universal banks. Mortgage banks, which have existed in the Polish economy for 10 years still play a small role in housing funding.

  14. 76 FR 6185 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2011-02-03

    ... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...

  15. 24 CFR 203.255 - Insurance of mortgage.

    Science.gov (United States)

    2010-04-01

    ... Mortgage Scorecard is used by the mortgagee, and the TOTAL Mortgage Scorecard has determined that the application represents an acceptable risk under terms and conditions agreed to by the FHA, a Direct... also applicable to the use of the TOTAL Mortgage Scorecard: (i) Mortgagees and vendors must certify to...

  16. 78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-02-13

    ... the current sale. A creditor of a ``higher-risk mortgage'' must also: Provide the applicant, at the... addition, the final rule implements the Act's requirement that the creditor of a ``higher-risk mortgage... provision requiring appraisals for ``higher-risk mortgages'' that was added to TILA by the Dodd-Frank Wall...

  17. 77 FR 26698 - Allocation of Mortgage Insurance Premiums

    Science.gov (United States)

    2012-05-07

    ... Allocation of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION: Final... explain how to allocate prepaid qualified mortgage insurance premiums to determine the amount of the... Act of 2010. The regulations affect taxpayers who pay prepaid qualified mortgage insurance premiums...

  18. 24 CFR 241.1030 - Mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 241... Loans-Eligibility Requirements § 241.1030 Mortgage insurance premiums. The lender, upon endorsement of the note, shall pay the Commissioner a first mortgage insurance premium equal to 0.5 percent of the...

  19. 31 CFR 337.13 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When book-entry debentures are being purchased prior to maturity to pay for mortgage insurance premiums, the difference between the amount of the debentures purchased and the mortgage insurance... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Payment of mortgage insurance...

  20. 78 FR 70856 - Information Reporting of Mortgage Insurance Premiums

    Science.gov (United States)

    2013-11-27

    ... Information Reporting of Mortgage Insurance Premiums AGENCY: Internal Revenue Service (IRS), Treasury. ACTION... regulations that require information reporting by persons who receive mortgage insurance premiums, including... reporting requirements that result from the extension of the treatment of mortgage insurance premiums made...

  1. Gamma-ray and electrical resistivity measurements in soil with application of carbonatite and agricultural fertilizers in Distrito Federal

    International Nuclear Information System (INIS)

    Nascimento, Carlos Tadeu Carvalho do; Gaspar, Jose Carlos; Pires, Augusto Cesar Bittencourt; Ferreira, Francisco Jose Fonseca; Andrade, Leide Rovenia Miranda de

    2008-01-01

    EMBRAPA (Empresa Brasileira de Pesquisa Agropecuaria) and Brasilia University developed a research project about the viability of carbonatite rock as agricultural fertilizer. As an initial experiment, several mixtures of carbonatite, limestone, phosphorous and potassium compounds were added as fertilizers in an oxisol area (red-latosol, according with Brazilian System of Soil Classification), in Distrito Federal, central Brazil. The experiment area was divided in 56 plots (4 x 7m) and each plot received a fertilizer mixture. The purpose of this work was to verify if the addition of fertilizer mixture to the soil modified its radiometric and resistivity properties and if it is possible to identify this change. Gamma-ray and electrical resistivity measurements were obtained in an experimental area and in a natural savannah type vegetation area. The results showed that the fertilizer addition modified soil natural properties causing a small increase in K, U, Th levels and decreasing ten times electrical resistivity. A low contrast of radiation was observed between plots, and then it was not possible to differentiate the several treatments in base of gamma-ray measurements. Electrical resistivity was efficient to identify three groups of plots related to mixtures characteristics, respectively with phosphorous, potassium and limestone / carbonatite predominance. (author)

  2. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2012-01-01

    Roč. 60, č. 10 (2012), s. 1005-1023 ISSN 0013-3035 R&D Projects: GA ČR GD402/09/H045; GA ČR(CZ) GBP402/12/G097 Grant - others:Univerzita Karlova(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Institutional support: RVO:67985556 Keywords : credit risk * mortgage * delinquency rate * generalized hyperbolic distribution * normal distribution Subject RIV: AH - Economics Impact factor: 0.194, year: 2012 http://library.utia.cas.cz/separaty/2013/E/smid-modeling a distribution of mortgage credit losses.pdf

  3. Modeling a Distribution of Mortgage Credit Losses

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2010-01-01

    Roč. 23, č. 23 (2010), s. 1-23 R&D Projects: GA ČR GA402/09/0965; GA ČR GD402/09/H045 Grant - others:Univerzita Karlova - GAUK(CZ) 46108 Institutional research plan: CEZ:AV0Z10750506 Keywords : Credit Risk * Mortgage * Delinquency Rate * Generalized Hyperbolic Distribution * Normal Distribution Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2010/E/gapko-modeling a distribution of mortgage credit losses-ies wp.pdf

  4. Mortgage Finance and Security of Collateral

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2011-01-01

    Developing economies face a gigantic lack of financing for urbanization due to the absence of formal and transparent property markets. The paper discuss the interference between mortgage finance and collateral security by using the Danish mortgage financing model as an example, because of its 200...... years long history, and because the system is recommended as an option in emerging markets and as a possible model for remedying failures in mature housing finance markets. It is suggested that development policies in land administration need to be revised in order to support a widening of credit...

  5. 76 FR 15309 - Privacy Act of 1974, as Amended; System of Records; Nationwide Mortgage Licensing System and...

    Science.gov (United States)

    2011-03-21

    ... regulated by a Federal banking agency or the Farm Credit Administration who acts as a residential mortgage... information online into the NMLSR Web site. Once collected, the information will be maintained in the NMLSR.... FINRA operates similar systems in the securities industry. More information about this system is...

  6. Commercial mortgages: An underutilized channel for scaling energy efficiency investments?

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul; Wallace, Nancy; Alschuler, Elena; Kolstad, Leonard

    2016-02-01

    Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3% average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.

  7. Mortgage Risk and the Yield Curve

    DEFF Research Database (Denmark)

    Malkhozov, Aytek; Mueller, Philippe; Vedolin, Andrea

    2016-01-01

    We study feedback from the risk of outstanding mortgage-backed securities (MBS) on the level and volatility of interest rates. We incorporate supply shocks resulting from changes in MBS duration into a parsimonious equilibrium dynamic term structure model and derive three predictions...

  8. 75 FR 75091 - Mortgage Assistance Relief Services

    Science.gov (United States)

    2010-12-01

    ... happening for a number of reasons. First, MARS have been advertised and marketed widely in mass media and... ; Stephanie Armour, Home Foreclosure Rates Posts First Annual Decline in Five Years, USA Today (May 13, 2010... demand to work for loan modification companies. One MARS advertised for consultants with mortgage and...

  9. 75 FR 10707 - MORTGAGE ASSISTANCE RELIEF SERVICES

    Science.gov (United States)

    2010-03-09

    ... offer ``forensic audits,'' purported reviews of mortgage loans to determine lender and servicer.... filed Apr. 3, 2009); California Dep't of Real Estate, Consumer Alert 6 (warning consumers of ``forensic... defendants falsely claim to have attorneys or forensic accountants on staff); FTC v. Loan Modification Shop...

  10. 26 CFR 1.6050H-3T - Information reporting of mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... Information reporting of mortgage insurance premiums (temporary). (a) Information reporting requirements. Any... section applies to the receipt of all payments of mortgage insurance premiums, by cash or financing... premiums is determined on a mortgage-by-mortgage basis. A recipient need not aggregate mortgage insurance...

  11. 76 FR 29147 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2011-05-20

    ...-AA32 Federal Home Loan Bank Investments AGENCY: Federal Housing Finance Agency; Federal Housing Finance...-adopting existing investment regulations that apply to the Federal Home Loan Banks (Banks) and that were...' investment in mortgage-backed securities (MBS) and certain asset-backed securities (ABS) that were previously...

  12. Secondary Market Products in the Mortgage System and Global Practices

    Directory of Open Access Journals (Sweden)

    Erhan Eroğlu

    2010-12-01

    Full Text Available In general terms, the mortgage market has two faces, the primary and the secondary markets. The primary market covers housing mortgage loans. On the other side of the mechanism, these loans are securitized and issued in financial markets with different form of securities in secondary markets. The common name of these instruments is “mortgage backed securities - MBS”. A mortgage backed security is a financial instrument issued in capital markets for investors, derived from either backed by the cash flow of the housing loan repayments (which is called pay-through or backed by directly selling the mortgage pools to the MBS issuers (which is called passthrough. The most trading secondary mortgage market instruments and world practices are explained in this article.

  13. Dissaving of the Past via Reverse Mortgages

    Directory of Open Access Journals (Sweden)

    Ana Luiza Champloni

    Full Text Available We build a simple two-period general equilibrium model with incomplete markets which incorporates reverse market mortgages without appealing to the complicated framework required by the infinite horizon models. Two types of agents are considered: elderly agents and investors. The former are owners of physical assets (for instance housing who will want to sell them to investors. For that end the elderly agents, who are assumed to not have any bequest motive, issue claims against physical assets they own. One of the claims issued will be interpreted as reverse mortgage (loan for seniors and the other one as a call option written on the value of housing equity. By assuming that both the elderly agents and the investors are price takers, and by applying the generalized game approach, we show that the equilibrium in this economy always exists, providing the usual conditions on utilities and initial endowments are satisfied. We end with a remark on efficiency of the quilibrium.

  14. 24 CFR 203.18c - One-time or up-front mortgage insurance premium excluded from limitations on maximum mortgage...

    Science.gov (United States)

    2010-04-01

    ... insurance premium excluded from limitations on maximum mortgage amounts. 203.18c Section 203.18c Housing and...-front mortgage insurance premium excluded from limitations on maximum mortgage amounts. After... LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE...

  15. Nutrition of monogastrics: A summary of research conducted under the German Federal Programme for Organic Agriculture and other forms of Sustainable Agriculture

    OpenAIRE

    ANON, AN

    2012-01-01

    The thematic focus of monogastric nutrition runs very regularly through the entire federal programme. A strong focus was on the use of feed made from 100% organic origin (EC Eco-Regulation). In experiments in 2006 on the use of roughage in outdoor rearing pigs, for example, it was shown that Jerusalem artichoke can lead to significantly higher weight gains, compared to the control, while weight gain decreased significantly in some cases using other roughages. In another project in 2007, the v...

  16. How to Manage the Mortgage Credit Risk in Turkey? Can Dual-indexed Mortgages be a Remedy?

    OpenAIRE

    Ali Alp; M. Mete Doganay

    2009-01-01

    A market-oriented housing finance system has been under discussion in Turkey recently. In this article we analyze different types of mortgages that have been used in developed and developing countries to select the one that is most appropriate for Turkey-one which minimizes risks for both lenders and borrowers. Each type of mortgage presents different risks to borrowers and lenders. After taking into consideration the economic history of Turkey, we conclude that the most appropriate mortgage ...

  17. Site characterization techniques used in restoration of agricultural areas on the territory of the Russian Federation contaminated after the accident at the Chernobyl NPP

    International Nuclear Information System (INIS)

    Fesenko, S.V.; Alexakhin, R.M.; Sanzharova, N.I.

    2000-01-01

    The experience gained in the aftermath after the heavy radiation accidents shows the need for improvement in site characterisation techniques and methodology in order to provide a link between site characterisation and the selection of restoration strategies. This paper gives an overview of the site characterisation techniques used in restoration of contaminated agricultural lands on the territory of the Russian Federation. The approach used for site characterisation and selection of restoration strategies is described. The main site specific factors influencing the choice of restoration options are identified. Data on the efficiency of major restoration measures used for the remediation of agricultural lands after the Chernobyl Nuclear Power Plant and the Kyshtym accidents are given. A description of the decision support system FORCON, designed to simplify the selection of restoration options, is presented. (author)

  18. Analysis of increasing trend of mortgage volume in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Petra Střelcová

    2009-01-01

    Full Text Available The aim of this paper is an empirical analysis of mortgage volume in the Czech Republic and factors identification of the increasing trend of the mortgage volume in the period from 2001 to 2007. Firstly, analysis of quarterly time series of mortgage volume and average mortgage rate are performed. Consequently, causality between mortgage volume and average mortgage rate is analysed. The morgage rate is the most important factor for economic subjects decision of residential investment. Afterwards, it is analysed causality between mortgage volume and selected factors via multiple regression analysis. Based on this analysis, influencing factors for multiple regression analysis describing mortgage volume are selected. Our empirical analysis validate the causality between mortgage volume and mortgage rate, unemployment rate and price level of real estates. Part of this paper is also economic eduction of causality and estimation of expect progress of mortgage volume especially in connection with present economic and business recession.

  19. 78 FR 59890 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Science.gov (United States)

    2013-09-30

    ... construction and policy implications demonstrates that there are sound reasons for adopting either... borrower except for minor adjustments.\\16\\ \\16\\ Handbook 4155.1, Ch. 6, Sec. C (Mortgage Credit Analysis....gov/hudportal/HUD?src=/program_offices/administration/hudclips/handbooks/hsgh/4155.1 . Requiring...

  20. 9 CFR 55.6 - Mortgage against animals.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids have...

  1. 9 CFR 53.9 - Mortgage against animals or materials.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant to...

  2. Transforming the Mortgage System and Challenging the Zombie Economy

    DEFF Research Database (Denmark)

    Wood, James

    2017-01-01

    By developing stable mortgage finance institutions that do not require government bailouts we can break the “doom loop” between the financial sector and the British state.......By developing stable mortgage finance institutions that do not require government bailouts we can break the “doom loop” between the financial sector and the British state....

  3. 76 FR 43826 - Mortgage Acts and Practices-Advertising

    Science.gov (United States)

    2011-07-22

    ... commercial communication regarding any term of any mortgage credit product; and imposes certain recordkeeping... misrepresentation in any commercial communication regarding any term of any mortgage credit product, and it imposed... ``making any material misrepresentation * * * in any commercial communication, regarding any term of any...

  4. Secondary mortgage market (SMM): Is it right for financing housing ...

    African Journals Online (AJOL)

    It notes that the scale of mortgage origination in the primary market is limited; the adjudication process is slow; collateralization is inadequate; and the land title regime is poor. It suggests that it is appropriate for Ghana to concentrate on solving these basic problems before any attempt at implementing a secondary mortgage ...

  5. 24 CFR 3500.21 - Mortgage servicing transfers.

    Science.gov (United States)

    2010-04-01

    ... servicer means a servicer, including a table funding mortgage broker or dealer on a first lien dealer loan..., mortgage broker who anticipates using table funding, or dealer who anticipates a first lien dealer loan... applicants, and material in square brackets is optional or alternative language. The model format may be...

  6. 78 FR 51046 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2013-08-20

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...

  7. Prepayment and the Valuation of Danish Mortgage-Backed Bonds

    DEFF Research Database (Denmark)

    Jakobsen, Svend

    Ph.D. thesis on prepayment modelling and valuation of Danish mortgage backed bonds. The thesis discusses several aspects of mortgage backed bonds including after-tax valuation, the special Danish delivery option, rational prepayment behavior, transaction costs and heterogenous borrowers. The thes...... concludes with an empirical analysis of pricing and holding period returns...

  8. Subprime cities: the political economy of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2012-01-01

    The study of mortgage markets has traditionally been the domain of economists. During historic times of turmoil and change, however, social scientists of various stripes are often called upon to shape our understanding of ways mortgage markets function. We are presently experiencing an episode of

  9. 77 FR 39222 - Consumer Use of Reverse Mortgages

    Science.gov (United States)

    2012-07-02

    ... influence reverse mortgage consumers' decision-making, consumers' use of reverse mortgage loan proceeds.... Sensitive personal information such as account numbers or Social Security numbers should not be included... personal information that could be used to identify an individual consumer or account, nor should they...

  10. 31 CFR 337.8 - Payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-07-01

    ... insurance premiums. When certificated debentures are tendered for purchase prior to maturity in order that the proceeds thereof be applied to pay for mortgage insurance premiums, any difference between the amount of the debentures purchased and the amount of the mortgage insurance premium will generally be...

  11. ANALYSIS OF MORTGAGE LENDING IN BANKS IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Violetta Kharabara

    2017-11-01

    Full Text Available The purpose is a mortgage market that occupies one of the major places among the financial mechanisms of economic stimulation and stable development of the economy. The mortgage market occupies one of the main places of financial mechanisms and economic incentives for the sustainable economic development. Mortgage lending covers the provision of long-term bank loans for the purchase, construction of residential real estate, as well as for repairs or to develop their own small businesses, where the collateral for such loans is real estate. Distinctive features of mortgages include: mortgages, like any collateral, in fact, is a way to ensure proper implementation of the other (main liabilities – loan or credit agreement, lease, contract, compensation, etc.; the subject of a mortgage is always real estate. Real estate includes land plots and everything that is firmly associated with them: buildings, perennial plants, etc.; mortgaged property remains in the possession of the debtor; the agreement between the creditor and the debtor on the establishment of a mortgage is formalized by a special document – the mortgage, which is also subject to state registration. The mortgage crediting is the method of accumulation of financial resources, effective instrument of bank activity, and an important factor in economic development of the country on the whole. Research results are market of the real estate and financial services development, to the revival of fund market, here the mortgage crediting is capable not only of activating reforms in industries of the economy but also gradually providing the decision of housing problems of the population. Practical consequences consist in the solution of problems that are related to the market for mortgage services of Ukraine’s development from 2006 to 2016. Value/originality. Analysis of the mortgage market in Ukraine shows that in recent years, its scope, dynamics, and trends do not meet the needs of either

  12. 75 FR 23631 - Federal Home Loan Bank Investments

    Science.gov (United States)

    2010-05-04

    ... 2590-AA32 Federal Home Loan Bank Investments AGENCY: Federal Housing Finance Agency, Federal Housing... Finance Agency (FHFA) is proposing to re- organize and re-adopt existing investment regulations that apply... incorporate into the new part 1267 limits on the Banks' investment in mortgage-backed securities (MBS) and...

  13. On Security of Collateral in Danish Mortgage Finance

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2017-01-01

    on the balance principle that assigns risks and responsibility to market players in a self-disciplinary manner and protected the mortgage banks against cash flow mismatches even during deep crisis, as history attests. It is shown how property registers and effective enforcement have created transparent property......Specialized mortgage intermediaries in Denmark have for over two hundred years provided owners and buyers of real property wide access to credit. The present paper sets out to explore the safeguards that nurtured development of a robust, market based financing system and a deep mortgage market....... Observations are made on the nature of collateral performance in respect to property rights, mortgage law and market development in search of general features of required institutional arrangements. The robustness of the Danish mortgage finance system is largely accredited to the securitization model based...

  14. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 [For Certain Real Estate Companies] Column A—Description 2... amount of the extended mortgages, explain. 7 If any item of mortgage loans on real estate investments has...

  15. 24 CFR 266.606 - Mortgage insurance premium: Duration and method of paying.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... AFFORDABLE MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.606 Mortgage insurance premium: Duration and method of paying. (a) Duration of payments. Mortgage insurance...

  16. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for Fiscal Year (FY) 2013 AGENCY...: In accordance with HUD regulations, this notice announces changes of the mortgage insurance premiums... mortgage. The mortgage insurance premiums to be in effect for FHA firm commitments issued or reissued in FY...

  17. Higher Bank Capital Requirements and Mortgage Pricing: Evidence from the Countercyclical Capital Buffer (CCB)

    OpenAIRE

    Basten, Christhoph; Koch, Cathérine

    2015-01-01

    How has the CCB affected mortgage pricing after Switzerland became the first country to activate this Basel III macroprudential tool? By analyzing a database with several offers per mortgage request, we construct a picture of mortgage supply and demand. We find, first, that the CCB changes the composition of mortgage supply, as relatively capital-constrained and mortgage-specialized banks raise prices more than their competitors do. Second, risk-weighting schemes linked to borrower risk do no...

  18. The Borrower's Guide to Financing Solar Energy Systems - A Federal Overview

    Energy Technology Data Exchange (ETDEWEB)

    Eiffert, P.

    1999-03-30

    This booklet describes authorized lending programs and loan guarantees provided by Fannie Mae, Freddie Mac and several Federal agencies, including DOE, that consumers and businesses can use to finance solar heat or electric systems and energy efficient mortgages.

  19. 24 CFR 221.256 - Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and...

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Interest rate increase and payment... Interest rate increase and payment of mortgage insurance premiums on mortgages under § 221.60 and § 221.65... continuation of a below market interest rate, interest on such mortgage shall be computed by the mortgagee at...

  20. PSA Duration: Conquering the Prepayment Risk of Mortgage Portfolios

    OpenAIRE

    Boleslav Gulko

    1996-01-01

    Money managers have little control over the values of their individual holdings, but they have considerable control over the risk exposure of their portfolios. This article introduces new tools for the risk management of mortgage portfolios. We extend the traditional duration analysis to two dimensions, interest rates and mortgage prepayments, and develop independent hedging rules for the interest rate risk and the prepayment risk. In particular, we define the PSA duration as a formal measure...

  1. Financial and estimating indicators for assessment of mortgage lending value

    Directory of Open Access Journals (Sweden)

    Antonio Benvenuti

    2013-08-01

    Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

  2. Oversizing of the subprime mortgage market as the main cause of its fall

    Directory of Open Access Journals (Sweden)

    Živkov Dejan

    2012-01-01

    Full Text Available The U.S. subprime mortgage crisis was one of the first indicators of the great financial crisis that escalated in late 2008. The law deregulation and human greed are considered to be the main causes of the crisis. However, some recent analyses have shown one more cause of the mortgage crisis, that seems to be crucial - oversizing of the subprime mortgage market. Due to the fact that the subprime mortgage market depends on the prime mortgage market, in an attempt to provide its stability and sustainable growth, some kind of the ratio between the number of subprime and the prime mortgages must have been taken into the consideration.

  3. Gamma-ray and electrical resistivity measurements in soil with application of carbonatite and agricultural fertilizers in Distrito Federal; Radiacao gama e resistividade eletrica em solo com aplicacao de carbonatito e fertilizantes agricolas no Distrito Federal

    Energy Technology Data Exchange (ETDEWEB)

    Nascimento, Carlos Tadeu Carvalho do; Gaspar, Jose Carlos; Pires, Augusto Cesar Bittencourt, E-mail: carlostadeu@unb.br, E-mail: gasp@unb.br, E-mail: acbpires@unb.br [Instituto de Geociencias, Universidade de Brasilia, DF (Brazil); Ferreira, Francisco Jose Fonseca, E-mail: francisco.ferreira@ufpr.br [Departamento de Geologia, Universidade Federal do Parana, Curitiba, PR (Brazil); Andrade, Leide Rovenia Miranda de, E-mail: leide@cpac.embrapa.br [Empresa Brasileira de Pesquisa Agropecuaria, Centro de Pesquisa Agropecuaria dos Cerrados, Planaltina, DF (Brazil)

    2008-01-15

    EMBRAPA (Empresa Brasileira de Pesquisa Agropecuaria) and Brasilia University developed a research project about the viability of carbonatite rock as agricultural fertilizer. As an initial experiment, several mixtures of carbonatite, limestone, phosphorous and potassium compounds were added as fertilizers in an oxisol area (red-latosol, according with Brazilian System of Soil Classification), in Distrito Federal, central Brazil. The experiment area was divided in 56 plots (4 x 7m) and each plot received a fertilizer mixture. The purpose of this work was to verify if the addition of fertilizer mixture to the soil modified its radiometric and resistivity properties and if it is possible to identify this change. Gamma-ray and electrical resistivity measurements were obtained in an experimental area and in a natural savannah type vegetation area. The results showed that the fertilizer addition modified soil natural properties causing a small increase in K, U, Th levels and decreasing ten times electrical resistivity. A low contrast of radiation was observed between plots, and then it was not possible to differentiate the several treatments in base of gamma-ray measurements. Electrical resistivity was efficient to identify three groups of plots related to mixtures characteristics, respectively with phosphorous, potassium and limestone / carbonatite predominance. (author)

  4. 12 CFR 201.109 - Eligibility for discount of mortgage company notes.

    Science.gov (United States)

    2010-01-01

    ... directly affect the production or distribution of goods and services. Mortgage banking, on the other hand... inventory of mortgage loans pending their “packaging” for sale to permanent investors that are usually...

  5. Securitization, loan modification and the supply of subprime mortgage credit in the US

    Directory of Open Access Journals (Sweden)

    Anton Theunissen

    2013-10-01

    Full Text Available This paper develops a continuous time, contingent claims model of mortgage valuation with strategic behavior to show that mortgages that are securitized are characterized by significantly higher loan to value ratios than mortgages held on the balance sheet of the originator, if securitized mortgages cannot be renegotiated. Insofar as securitization inhibits loan modification, it serves as a credible threat to the borrower that default will provoke foreclosure. This enhances the value of the lender’s claim on the loan collateral, the home, and she is willing to lend more per dollar of collateral value. An important implication of the analysis is that the higher loan to value ratio for the securitized mortgage does not imply that the securitized mortgage is characterized by looser underwriting standards than the mortgage held on balance sheet. Higher loan to value ratios for securitized mortgages do not necessarily constitute evidence that securitization encourages risky lending.

  6. Denmark; Systemic Issues in Mortgage Loans and Covered Bond Finance: Technical Note

    OpenAIRE

    International Monetary Fund

    2014-01-01

    This technical note analyzes systemic issues in mortgage loans and covered bond finance in Denmark. Mortgage lending has seen significant product innovation in recent years. Loans with adjustable interest rates and/or interest-only periods, which have been introduced since the late 1990s, had grown to 75 percent and 53 percent, respectively, of total outstanding mortgage loans at the end of 2013. The major changes in the characteristics of the underlying mortgage loans have naturally been ref...

  7. 78 FR 37101 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2013-06-20

    ...: Enterprise and Federal Home Loan Bank Housing Goals Related Enforcement Amendment AGENCY: Federal Housing... Mortgage Corporation (Freddie Mac), or the Federal Home Loan Banks (Banks) for failure to submit or follow... 1209. 2. Bank Housing Plan Enforcement Section 10C(a) of the Federal Home Loan Bank Act (Bank Act), as...

  8. 77 FR 23273 - Proposed Information Collection; Comment Request: Home Equity Conversion Mortgage Counseling...

    Science.gov (United States)

    2012-04-18

    ... Collection; Comment Request: Home Equity Conversion Mortgage Counseling Client Survey AGENCY: Office of the... information: Title of Proposal: Home Equity Conversion Mortgage Counseling Client Survey. OMB Control Number... reverse mortgage counseling. As part of HUD's evaluation of its HECM counseling program, performance...

  9. Competition in the Dutch mortgage market: notes on concentration, entry, funding, and margins

    NARCIS (Netherlands)

    Treur, L.; Boonstra, W.W.

    2014-01-01

    This article describes the institutions that shape the Dutch mortgage market, as well as how they affect mortgage funding, and, ultimately, mortgage interest rates. The Dutch housing market is characterized by a very large social housing sector, as well as a relatively large share of owner-occupied

  10. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual Mortgage...

  11. 24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

  12. 24 CFR 203.260 - Amount of mortgage insurance premium (periodic MIP).

    Science.gov (United States)

    2010-04-01

    ... Mortgage Insurance Premiums-Periodic Payment § 203.260 Amount of mortgage insurance premium (periodic MIP... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Amount of mortgage insurance premium (periodic MIP). 203.260 Section 203.260 Housing and Urban Development Regulations Relating to...

  13. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Pro... PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.608 Mortgage insurance premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated...

  14. Energy Factors in Commercial Mortgages: Gaps and Opportunities

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Coleman, Philip [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Wallace, Nancy [Univ. of California, Berkeley, CA (United States); Issler, Paulo [Univ. of California, Berkeley, CA (United States); Kolstad, Lenny [Inst. for Market Transformation, Washington, DC (United States); Sahadi, Robert [Inst. for Market Transformation, Washington, DC (United States)

    2016-09-01

    The commercial real estate mortgage market is enormous, with almost half a trillion dollars in deals originated in 2015. Relative to other energy efficiency financing mechanisms, very little attention has been paid to the potential of commercial mortgages as a channel for promoting energy efficiency investments. The valuation and underwriting elements of the business are largely driven by the “net operating income” (NOI) metric – essentially, rents minus expenses. While NOI ostensibly includes all expenses, energy factors are in several ways given short shrift in the underwriting process. This is particularly interesting when juxtaposed upon a not insignificant body of research revealing that there are in fact tangible benefits (such as higher valuations and lower vacancy and default rates) for energy-efficient and “green” commercial buildings. This scoping report characterizes the current status and potential interventions to promote greater inclusion of energy factors in the commercial mortgage process.

  15. The Great Mortgaging: Housing Finance, Crises, and Business Cycles

    OpenAIRE

    Oscar Jorda; Moritz Schularick; Alan M. Taylor

    2014-01-01

    This paper unveils a new resource for macroeconomic research: a long-run dataset covering disaggregated bank credit for 17 advanced economies since 1870. The new data show that the share of mortgages on banks’ balance sheets doubled in the course of the 20th century, driven by a sharp rise of mortgage lending to households. Household debt to asset ratios have risen substantially in many countries. Financial stability risks have been increasingly linked to real estate lending booms which are...

  16. Liquidity Constraints and the Centralized Home Mortgage Policy in China

    DEFF Research Database (Denmark)

    Gao, Cixiu

    2017-01-01

    This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels of individ......This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels...

  17. 24 CFR 213.259a - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 213.253 through 213.259 governing mortgage insurance premiums shall apply... mortgage insurance premiums due on such mortgages in accordance with §§ 213.253 through 213.259 shall be... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  18. The Impact of Financial Sophistication on Adjustable Rate Mortgage Ownership

    Science.gov (United States)

    Smith, Hyrum; Finke, Michael S.; Huston, Sandra J.

    2011-01-01

    The influence of a financial sophistication scale on adjustable-rate mortgage (ARM) borrowing is explored. Descriptive statistics and regression analysis using recent data from the Survey of Consumer Finances reveal that ARM borrowing is driven by both the least and most financially sophisticated households but for different reasons. Less…

  19. Mortgage Loan Portfolio Optimization Using Multi-Stage Stochastic Programming

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    We consider the dynamics of the Danish mortgage loan system and propose several models to reflect the choices of a mortgagor as well as his attitude towards risk. The models are formulated as multi stage stochastic integer programs, which are difficult to solve for more than 10 stages. Scenario...

  20. 26 CFR 20.2053-7 - Deduction for unpaid mortgages.

    Science.gov (United States)

    2010-04-01

    ... valuation method under section 2032 is selected. In any case where real property situated outside the United... amount of a mortgage upon, or of any other indebtedness in respect of, any property of the gross estate, including interest which had accrued thereon to the date of death, provided the value of the property...

  1. 12 CFR 226.33 - Requirements for reverse mortgages.

    Science.gov (United States)

    2010-01-01

    ... dwelling; and (2) Any principal, interest, or shared appreciation or equity is due and payable (other than... terms, charges, the age of the youngest borrower and the appraised property value. (4) Explanation of... part of the reverse mortgage transaction. (3) Additional creditor compensation. Any shared appreciation...

  2. 78 FR 78519 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-12-26

    ... where the holder of the credit risk of the existing obligation remains the same on the refinancing. The....'' Specifically, new TILA section 129H prohibits a creditor from extending credit in the form of a ``higher-risk... rule.\\8\\ The term ``higher-risk mortgage'' generally encompasses a closed-end consumer credit...

  3. THE ROLE OF MORTGAGE CREDIT IN ENSURING ECONOMIC GROWTH

    Directory of Open Access Journals (Sweden)

    Z. L. Garipova

    2014-04-01

    Full Text Available The decision of the important social task - ensuring the availability of housing for the mass of the population of the country, on the one hand, allowed to launch investment, savings, financial and credit mechanisms for ensuring economic growth of the Russian economy on the other. Despite the high degree of sophistication in the scientific literature of the organization of mortgage lending system, a study of its impact on economic growth factors in the scientific literature clearly insufficient. The original article was the theory of economic growth, which allowed on the basis of research of interaction of demand for residential property, it deals with the housing mortgage credit to justify a conclusion about its importance not only for solution of social tasks, availability of housing, but also a significant impact on the demand and supply on the residential property market. Based on the analysis of statistical data for the period from 2006 to 2012, and their correlation analysis carried out research of factors of development of housing markets and mortgage lending, namely incomes, housing prices, interest rates on loans, «channel lending conditions, the terms of banking mortgage.Purchase on Elibrary.ru > Buy now

  4. Housing Finance in Ghana: Can Community Mortgage Cooperatives ...

    African Journals Online (AJOL)

    There is insufficient housing in Ghana. Available houses are mostly poorly developed and lack the basic amenities required to make them habitable. The growth of households is in excess of housing growth resulting in housing deficit in the country. The formal finance institutions have supplied very little mortgages to ...

  5. Mortgage finance in Central and Eastern Europe : Opportunity or burden?

    NARCIS (Netherlands)

    Beck, T.H.L.; Kibuuja, K.; Tiongson, E.; Cull, R.; Demirguc-Kunt, A.; Murdoch, J.

    2012-01-01

    Household credit, especially for mortgages, has doubled over the past years in the new European Union member countries, raising concerns about the economic and social consequences of household indebtedness in the event of a macroeconomic crisis. Using household survey data for 2005, 2006, and 2007

  6. The financialization of home and the mortgage market crisis

    NARCIS (Netherlands)

    Aalbers, M.B.

    2008-01-01

    Financialization can be characterized as capital switching from the primary, secondary or tertiary circuit to the quaternary circuit of capital. Housing is a central aspect of financialization. The financialization of mortgage markets demands that not just homes but also homeowners become viewed as

  7. 75 FR 35030 - Home Mortgage Disclosure Act; Notice of Hearings

    Science.gov (United States)

    2010-06-21

    ..., ethnicity, sex, and annual income of the loan applicant; action taken on the loan application (approved... Required lenders to ask applicants their ethnicity, race, and sex in applications taken by telephone. In... requirements to the definition of ``higher-priced mortgage loan'' adopted by the Board under Regulation Z...

  8. 75 FR 51623 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2010-08-23

    ... online registration system, the Nationwide Mortgage Licensing System and Registry (Registry). \\1\\ The S.A... benefit only small institutions. \\24\\ 12 U.S.C. 2801 et seq. \\25\\ See 12 CFR 203.2 (Regulation C). Other... limit--rendering gaming opportunities essentially unrealistic. Many commenters noted the complexity of...

  9. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-13] Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice... is soliciting public comments on the subject proposal. Lenders use the Single Family Premium...

  10. The Informal Sector and Mortgage Financing in Ghana

    African Journals Online (AJOL)

    with some increment prior to first payment completion and flexible collateral ... it presupposes that any policy intervention may be a failure once the informal ... While inflation had remained slightly stable keeping interest rates also slightly firm, the ..... discussed earlier, the mortgage system as pertains in Ghana is very formal ...

  11. 12 CFR 226.39 - Mortgage transfer disclosures.

    Science.gov (United States)

    2010-01-01

    ... to the loan or it is assigned to the servicer solely for the administrative convenience of the servicer in servicing the obligation. (2) A “mortgage loan” means any consumer credit transaction that is secured by the principal dwelling of a consumer. (b) Disclosure required. Except as provided in paragraph...

  12. Miraculous financial engineering or toxic finance? The genesis of the U.S. subprime mortgage loans crisis and its consequences on the global financial markets and real economy

    Directory of Open Access Journals (Sweden)

    Ivo Pezzuto

    2012-09-01

    Full Text Available In the fall of 2008, the U.S. subprime mortgage loans defaults have turned into Wall Street’s biggest crisis since the Great Depression. As hundreds of billions in mortgage-related investments went bad, banks became suspicious of one another’s potential undisclosed credit losses and preferred to reduce their exposure in the interbank markets, thus causing interbank interest rates and credit default swaps increases, a liquidity shortage problem and a worsened credit crunch condition to consumers and businesses. Massive cash injections into money markets and interest rates reductions have been assured by central banks in an attempt to shore up banks and to restore confidence within the financial system. Even Governments have promoted bail-out deal agreements, protections from bankruptcies, recapitalizations and bank nationalizations in order to rescue banks from disastrous bankruptcies. The credit crisis originated in the previous years when the Federal Reserve sharply lowered interest rates (Fed Funds at 1% to limit the economic damage of the stock market decline due to the 2000 dot.com companies’ crisis. Lower interest rates made mortgage payments cheaper, and the demand for homes began to rise, sending prices up. In addition, millions of homeowners took advantage of the rate drop to refinance their existing mortgages. As the industry ramped up, the quality of the mortgages went down due to poor credit origination and credit risk assessment. Delinquency and default rates began to rise in 2006 as interest rates rose (Fed Funds at 5,25% and poor households across the US struggled to pay off their mortgages. Many of them went bankrupt and lost their homes but the pace of lending did not slow. Banks have transformed much of the high-risk mortgage debt (securitizations into mortgage-backed securities (MBS and collateralised debt obligations (CDO, and have sold these assets on the financial markets to investment firms and insurance companies

  13. Reverse Mortgage Participation in the United States: Evidence from a National Study

    Directory of Open Access Journals (Sweden)

    Swarn Chatterjee

    2016-03-01

    Full Text Available This paper uses the most recent wave of a nationally representative dataset to examine the factors associated with elderly homeowners’ decision to obtain reverse mortgage loans. The findings of this study suggest that very few homeowners participated in the reverse mortgage market, and homeowners younger than 67 were less likely to have reverse mortgage loans. However, homeowners who were risk averse, and homeowners in the two highest quartiles of net worth were more likely to have reverse mortgage loans. Further analyses reveal that among the reverse mortgage participants, homeowners with long-term care insurance coverage were less likely to have reverse mortgage loans. Implications for financial economists, financial planners, policy-makers, and scholars of retirement economics are included.

  14. Danish Mortgage Finance, Property Rights Protection and Economic Development

    DEFF Research Database (Denmark)

    Haldrup, Karin

    of screening methods for assessing the readiness for such transplantation depends on a deeper understanding of three large domains: A) Mortgage Finance, B) Cadastre and Land Registration; and C) Economic Development; and the interrelations between these three areas. In particular the thesis has focused...... formal property rights regimes and real credit with implications for development strategies. The PhD was co-sponsored by VP Securities A/S, www.vp.dk...

  15. Dåser uden pant: Cans without a mortgage

    OpenAIRE

    Rostrup, Emil; Mouritzen, Jeppe; Wagner, Sara; Skovlund, Kristian; Rein, Jakob; Engholm, Simon

    2013-01-01

    This research aims to investigate the possibility of changing people’s recycle behaviour, with a focus on cans without a mortgage, through a design. In order to investigate this possibility, a needs assessment was carried out, where the specific demands of waste plants, consumers, retail trade and environment were taken into consideration. The demands of the waste plants as well as the demand of the retail trade were found by collecting empiricism from various websites. The needs of the consu...

  16. Mortgaged lives’: the biopolitics of debt and housing financialisation

    OpenAIRE

    Garcia Lamarca, Melissa; Kaika, Maria

    2016-01-01

    The paper expands the conceptual framework within which we examine mortgage debt by reconceptualising mortgages as a biotechnology: a technology of power over life that forges an intimate relationship between global financial markets, everyday life and human labour. Taking seriously the materiality of mortgage contracts as a means of forging new embodied practices of financialisation, we urge for the need to move beyond a policy? and macroeconomics?based analysis of housing financialisation. ...

  17. Higher bank capital requirements and mortgage pricing: evidence from the Counter-Cyclical Capital Buffer

    OpenAIRE

    Basten, Christoph; Koch, Cathérine

    2014-01-01

    We examine mortgage pricing before and after Switzerland was the first country to activate the Counter-Cyclical Capital Buffer of Basel III. Observing multiple mortgage offers per request, we obtain three core findings. First, capitalconstrained and mortgage-specialized banks raise their rates relatively more. Second, risk-weighting schemes supposed to discriminate against more risky borrowers do not amplify the effect of higher capital requirements. Third, CCB-subjected banks and CCB-exempt ...

  18. Effect of loan value and collateral on value of mortgage default

    OpenAIRE

    Itoo, R. A.; Selvarasu, A.; Filipe, J.

    2013-01-01

    This study explore the factors influencing mortgage loan default by using the data of mortgage default case from Jammu and Kashmir Bank. To achieve the study objectives sixteen variables are taken. The variables are categorized into three dimensions as borrower’s profile, loan value contents and collateral security. The tools used for analysis of data describing mortgage loan defaulter’s are chi-square, regression, ANOVA, and logistic regression through SPSS 18.0. The results indicate that th...

  19. Varieties of indebtedness: Financialization and mortgage market institutions in Europe.

    Science.gov (United States)

    Van Gunten, Tod; Navot, Edo

    2018-02-01

    During the global housing boom that preceded the 2007-9 financial crisis, household debt increased substantially in many European countries, posing a challenge for literature on financialization and the institutional heterogeneity of mortgage markets. This paper examines recent institutional shifts in European mortgage markets and specifies three analytically distinct models of debt accumulation: inclusion, extension and intensity. While existing research has emphasized inclusion (access to homeownership), we show that financial intensification is an important determinant of cross-national variation in debt. We assess the variation in financial intensity in six European countries (France, Germany, Italy, the Netherlands, Portugal and Spain) using household-level survey data. Our results show that inclusion and expansion explain only part of the cross-national variation in mortgage debt to income ratios. Furthermore, household financial behavior is consistent with the financial intensity model, and variation in the degree of financial intensification explains a substantial portion of the cross-national difference in debt levels. Copyright © 2017 Elsevier Inc. All rights reserved.

  20. Maximizing Home Equity or Preventing Home Loss: Reverse Mortgage Decision Making and Racial Inequality.

    Science.gov (United States)

    Keene, Danya E; Sarnak, Ann; Coyle, Caitlin

    2018-03-07

    Reverse mortgages are loans that allow older homeowners to borrow from their home equity with no repayment due until the borrower dies or moves out of the home. We currently know very little about how homeowners evaluate and experience reverse mortgages as solutions to their financial and housing needs in later life. Furthermore, despite an increasingly diverse population of reverse mortgage borrowers, we know little about how social inequalities may contribute to reverse mortgage decisions and their outcomes. In this paper, we examine reverse mortgage decision-making and experiences in a racially and economically diverse sample of older US homeowners. We conducted 44 in-depth interviews with older homeowners who were considering or who had obtained a reverse mortgage loan. We inductively and iteratively developed a thematic coding scheme that was applied to all interview transcripts. Our analysis produced a dichotomous schema of reverse mortgage decision making that was shaped by social and economic opportunities and constraints. For some participants, reverse mortgages represented strategic tools used to maximize home equity and its benefits. For others, it was an option of last resort to which participants turned when faced with the imminent loss of their home. Focusing on reverse mortgages, our analysis suggests way that social inequalities may be reproduced through financial decisions and the unequal landscapes of opportunity in which they are made.

  1. 78 FR 75215 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Science.gov (United States)

    2013-12-11

    ...;Prices of new books are listed in the first FEDERAL REGISTER issue of each #0;week. #0; #0; #0; #0;#0... the treatment of Title II manufactured housing, but HUD's intention was to exempt Title II...

  2. Mortgage development in Serbia, specialty in Serbian Civil Code from 1844. year

    Directory of Open Access Journals (Sweden)

    Popov Danica

    2012-01-01

    Full Text Available The history of Serbian mortgage law is not too long. The mortgage law began in first half of XIX century. The first Act about mortgage was The Intabulation Law from 1839. year. Mortgage is a right of lien on an immovable which authorizes the creditor to seek satisfaction of his claim for the value of such immovable before of other creditors that do not have mortgage on it, as well as before creditors who have acquired mortgage on such immovable subsequent on him, irrespective of a contingent change of owner of the encumbered immovable. The mortgage was based on some rules. The mortgage is accessory rights. One of the basic features of a security right is its dependence on the claim. The mortgage creditor is entitled to request satisfaction of the claim from the value of immovable encumbered by mortgage, regardless of whether it is still in possession of the mortgage debitor or it has been convened into ownership of a third party. This The Intabulation Law is changed twice. For the first time in 1842 year, and second time in 1853. year. The lack of both changes was missing the principle of speciality. Principle of speciality marks the fact that a guarantee (security, may secure only a definite claim of one creditor and that the guarantee may exist only on a definite set of objects (assets. On one hand speciality of real security interest forbids securing an indefinite number of claims or an indefinite amount of claim, and, on the other, forbids the prospect of indefinite assets, or all assets of the debitor be subject of to such a security interest. This lack are eliminate in the new Intabulation Law from 1854. year, which was incorporated into Serbian Civil Code from 1844. year. The subject of this article is The Intabulation Law from 1854. year.

  3. National status report: Home energy rating systems and energy-efficient mortgages

    Energy Technology Data Exchange (ETDEWEB)

    Plympton, P.

    2000-04-27

    The Energy Policy Act of 1992 included several provisions promoting the use of HERS and EEMs, which strengthened efforts to develop a national infrastructure for HERS and to promote the use of EEMs. This report documents HERS and EEMs activities since 1992 by the U.S. Department of Energy, the U.S. Environmental Protection Agency, the U.S. Department of Housing and Urban Development, mortgage lenders, and other organizations. Though the process of establishing HERS has faced some barriers, this report shows that, as of November 1999, home energy ratings were available in 47 states and the District of Columbia, which represents a significant increase from 1993 when home energy ratings were available in 17 states. Both national and state organizations have developed HERS and related residential energy-efficiency programs. The availability and use of EEMs has also increased significantly. The number of EEMs supported by the Federal Housing Administration has increased more than eight times in the last three years. More than $2.5 billion in federally supported EEMs have been issued to date. Several national lenders offer EEMs, and six states have state-specific EEM or loan programs. EEMs have been used to finance energy-efficient homes in every state.

  4. SHIFTING POLITICAL POWER IN THE UNITED STATES, IMPLICATIONS FOR EDUCATION IN AGRICULTURE. PAPER PRESENTED TO THE FEDERAL EXTENSION SERVICE ANNUAL STAFF CONFERENCE, JANUARY 10, 1967.

    Science.gov (United States)

    HATHAWAY, DALE E.

    THE RISE OF THE TWO PARTY SYSTEM IN THE SOUTH, REAPPORTIONMENT, AND POPULATION SHIFTS HAVE REMOVED THE SOUTH'S DOMINANCE IN AGRICULTURAL AFFAIRS AND INCREASED THE POWER OF THE LARGER COMMERCIALIZED FARMS OF THE WEST. EXTENSION PROGRAMS FOR THE RURAL POOR, WHO ARE LARGELY IN THE SOUTH, WILL FIND LITTLE SUPPORT FROM THE TRADITIONAL AGRICULTURAL…

  5. 25 CFR 152.34 - Approval of mortgages and deeds of trust.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Approval of mortgages and deeds of trust. 152.34 Section 152.34 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR LAND AND WATER ISSUANCE OF PATENTS IN FEE, CERTIFICATES OF COMPETENCY, REMOVAL OF RESTRICTIONS, AND SALE OF CERTAIN INDIAN LANDS Mortgages and Deeds of Trust to Secure Loans to...

  6. Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?

    Science.gov (United States)

    Quercia, Roberto; Spader, Jonathan

    2008-01-01

    The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…

  7. 78 FR 48547 - Appraisals for Higher-Priced Mortgage Loans-Supplemental Proposal

    Science.gov (United States)

    2013-08-08

    ..., Carolyn B. Engelhardt, Bank Examiner (Risk Specialist--Credit), (202) 649-6404, Charlotte M. Bahin, Senior... 129H prohibits a creditor from extending credit in the form of a ``higher-risk mortgage'' loan to any... rule. The term ``higher-risk mortgage'' encompasses a closed-end consumer credit transaction secured by...

  8. 24 CFR 207.259a - Waiver of title objection; mortgages formerly Commissioner-held.

    Science.gov (United States)

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MULTIFAMILY HOUSING MORTGAGE INSURANCE Contract Rights and Obligations Rights and Duties of Mortgagee Under the Contract of Insurance § 207.259a Waiver of... any lien or other adverse interest that was senior to the mortgage on the date of the original sale of...

  9. Financial literacy, risk aversion and choice of mortgage type by households

    NARCIS (Netherlands)

    Cox, R.; Brounen, Dirk; Neuteboom, P.

    2015-01-01

    This paper analyzes how financial literacy and reported willingness to take financial risk impact a household’s choice of mortgage type. The results show that households reporting higher financial literacy and lower risk aversion are 55 to 97 % more likely to opt for interest-only mortgages. The

  10. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    Science.gov (United States)

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  11. The effect of mortgage origination fees on the housing price dynamics

    Czech Academy of Sciences Publication Activity Database

    Tsharakyan, Ashot

    -, č. 357 (2008), s. 1-36 ISSN 1211-3298 R&D Projects: GA MŠk LC542 Institutional research plan: CEZ:AV0Z70850503 Keywords : mortgage origination fees * housing price * mortgage market deregulation Subject RIV: AH - Economics http://www.cerge-ei.cz/pdf/wp/Wp357.pdf

  12. Dutch mortgage arrears and the role of the global financial crisis

    NARCIS (Netherlands)

    Teye, A.L.; De Haan, J.; Elsinga, M.

    2015-01-01

    As in many countries, the Dutch housing market was severely hit by the recent financial crisis. Following the recession, the average house price in the Netherlands fell by almost 25% and the proportion of homeowners with mortgage payment arrears nearly doubled. In this paper, we study mortgage

  13. Credit booms and lending standards : Evidence from the subprime mortgage market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2012-01-01

    This paper links the U.S. subprime mortgage crisis to demand-side factors that contributed to the rapid expansion of the U.S. mortgage market. We show that denial rates were relatively lower in areas that experienced faster credit demand growth and that lenders in these high-growth areas attached

  14. 26 CFR 1.166-6 - Sale of mortgaged or pledged property.

    Science.gov (United States)

    2010-04-01

    ...-6 Sale of mortgaged or pledged property. (a) Deficiency deductible as bad debt—(1) Principal amount... been returned by him) as a bad debt for the taxable year in which it becomes wholly worthless or is... mortgaged or pledged property by certain mutual savings banks, domestic building and loan associations, and...

  15. Obstacles to the Mortgage Financing of Forest Rights and its Countermeasures

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Current status of the mortgage financing of forest rights is introduced.Significance of the development of mortgage financing of rural forest rights is analyzed,indicating that the mortgage financing of rural forest rights is an inevitable trend of rural reform development,Mortgage financing of forest rights in rural China is an effective vector for the farmers’ income increase project with financial support,explores the great potential of forest resources,promotes the coordinated development of forestry and financial services.Major obstacles for the mortgage financing of forest rights at present is pointed out,which are the high assessment fees,the complex mortgage valuation,the unsound element market of forestry,and the lack of risk protection mechanism.Countermeasures for the development of mortgage financing of forest rights is out forward.For instance,both government and Forestry Bureau should strengthen the circulation services,establish smooth evaluation mechanism,establish companies for rural assets platform,increase the interest subsidies for forest right mortgage and the risk compensation,strengthen the team construction and improve the service system.

  16. 78 FR 64143 - 30-Day Notice of Proposed Information Collection: Contractor's Requisition-Project Mortgages

    Science.gov (United States)

    2013-10-25

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5683-N-88] 30-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Chief Information... Title of Information Collection: Contractor's Requisition--Project Mortgages. OMB Approval Number: 2502...

  17. Education Levels and Mortgage Application Outcomes: Evidence of Financial Literacy. Discussion Paper No. 1369-09

    Science.gov (United States)

    Collins, J. Michael

    2009-01-01

    This paper uses 2005 Home Mortgage Disclosure Act data aggregated by census tract to measure the relationship between census tract-level college completion rates and the rates at which first lien refinance mortgage applicants submit incomplete loan applications, withdraw loan applications before they are reviewed, and reject lender approved loan…

  18. 77 FR 56857 - Notice of Proposed Information Collection for Public Comment; Public Housing Mortgage Program and...

    Science.gov (United States)

    2012-09-14

    ... of the loan resulting from the mortgage or security interest are used for low-income housing uses... mortgage or security interest in any public housing real estate or other assets, a proposal must be submitted to HUD. After approval and execution of any legal documents associated with the loan and related...

  19. 77 FR 70175 - Notice of Submission of Proposed Information Collection to OMB; Public Housing Mortgage Program...

    Science.gov (United States)

    2012-11-23

    ... public housing real property or grant a security interest in other tangible forms of personal property if the proceeds of the loan resulting from the mortgage or security interest are used for low- income..., October 21, 1998) added Section 30, Public Housing Mortgages and Security Interest, to the United States...

  20. Extra-Margins in ACM's Adjusted NMa ‘Mortgage-Rate-Calculation Method

    NARCIS (Netherlands)

    Dijkstra, M.; Schinkel, M.P.

    2013-01-01

    We analyse the development since 2004 of our concept of extra-margins on Dutch mortgages (Dijkstra & Schinkel, 2012), based on funding cost estimations in ACM (2013), which are an update of those in NMa (2011). Neither costs related to increased mortgage-specific risks, nor the inclusion of Basel

  1. 'Cognitive closure' in the Netherlands: mortgage securitization in a hybrid European political economy

    NARCIS (Netherlands)

    Aalbers, M.B.; Engelen, E.; Glasmacher, A.

    2011-01-01

    There is a strong case that mortgage-backed securities were at the root of the 2007 - 09 financial crisis. Even though geographers have convincingly demonstrated that loan origination is strongly locally rooted and that the fallout from the subprime mortgage crisis clearly had spatially

  2. How do mortgage lenders influence neighbourhood dynamics? Redlining and predatory lending

    NARCIS (Netherlands)

    Aalbers, M.B.; van Ham, M.; Manley, D.; Bailey, N.; Simpson, L.; Maclennan, D.

    2013-01-01

    Manuel Aalbers argues that the actions of mortgage lenders can play an important role in understanding the trajectories of some of the most deprived neighbourhoods in Western cities. Mortgage lenders use the notion of the neighbourhood as a means to reduce their risk or to extract profit, and as

  3. 24 CFR 206.51 - Eligibility of mortgages involving a dwelling unit in a condominium.

    Science.gov (United States)

    2010-04-01

    ... a dwelling unit in a condominium. 206.51 Section 206.51 Housing and Urban Development Regulations...; Endorsement Eligible Properties § 206.51 Eligibility of mortgages involving a dwelling unit in a condominium. If the mortgage involves a dwelling unit in a condominium, the project in which the unit is located...

  4. 24 CFR 255.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 255.6 Section 255.6 Housing and Urban Development Regulations Relating to Housing and... PROJECTS § 255.6 Method of payment of mortgage insurance premiums. The provisions of 24 CFR 251.6 shall..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  5. 24 CFR 251.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 251.6 Section 251.6 Housing and Urban Development Regulations Relating to Housing and... HOUSING PROJECTS § 251.6 Method of payment of mortgage insurance premiums. In the cases that the... affected lenders, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  6. 24 CFR 252.6 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 252.6 Section 252.6 Housing and Urban Development Regulations Relating to Housing and..., AND BOARD AND CARE HOMES § 252.6 Method of payment of mortgage insurance premiums. The provisions of..., DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT...

  7. 24 CFR 207.252e - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 207.252e Section 207.252e Housing and Urban Development Regulations Relating to Housing... Premiums § 207.252e Method of payment of mortgage insurance premiums. In the cases that the Commissioner... mortgagees, that mortgage insurance premiums be remitted electronically. [63 FR 1303, Jan. 8, 1998] ...

  8. 24 CFR 236.252 - First, second, and third mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 236.252 Section 236.252 Housing and Urban Development Regulations Relating to Housing... insurance premiums. All of the provisions of § 207.252 of this chapter governing the first, second, and third mortgage insurance premiums shall apply to mortgages insured under this subpart, except: (a) Where...

  9. 24 CFR 266.610 - Method of payment of mortgage insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... insurance premiums. 266.610 Section 266.610 Housing and Urban Development Regulations Relating to Housing... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.610 Method of payment of mortgage insurance premiums. In the cases that the Commissioner deems appropriate, the...

  10. Ameliorating Local Impacts with Architectural Research: Subprime Mortgages & Housing Quality

    Directory of Open Access Journals (Sweden)

    Lynne M. Dearborn

    2012-10-01

    Full Text Available Shock waves from the current housing crisis that still echo through Wall Street’s largest financial firms, not only have threatened to topple financial markets and drive the country into a depression, but have also undermined the all-time high home ownership rate in the United States. The most attention-grabbing dimensions and headlines of the current crisis seem to be the staggering losses incurred by the likes of Bear Sterns and Citigroup, and the demise of some of the large corporations such as Washington Mutual. However, the real crisis is not on Wall Street or in the banking sector, but in low- and moderate-income and minority homes and neighborhoods throughout the country. At least ten years before the present subprime foreclosure crisis became mainstream news, these marginalized communities were feeling the negative effects of mortgage fraud and predatory lending practices occurring with regularity in the subprime market. This paper discusses an ongoing study of Subprime Lending, Mortgage Fraud and Housing Quality in process since 2002. This four-part study has employed foreclosure data with statistical and mapping analysis, detailed interviews with victims of predatory lending, systematic documentation of the resulting housing environments, and documentation of property improvements in light of victims’ legal settlements. While subprime lending has supported the expansion of homeownership in the United States, this on-going study suggests that this expansion has sometimes been at the expense of safe, code-compliant living environments forlow-income, minority and elderly homeowners. Some of the victims of predatory lending and mortgage fraud have sought legal redress through the courts but many have suffered personal financial, health, emotional, and family crises as well. The current broad-scale discussion of the topic has given attention to the lack of regulation facilitating these unethical practices, but it is unclear that current

  11. "Cream-skimming" in subprime mortgage securitizations : which subprime mortgage loans were sold by depository institutions prior to the crisis of 2007?

    OpenAIRE

    Paul S. Calem; Christopher Henderson; Jonathan Liles

    2010-01-01

    Depository institutions may use information advantages along dimensions not observed or considered by outside parties to "cream-skim," meaning to transfer risk to naive, uninformed, or unconcerned investors through the sale or securitization process. This paper examines whether "cream-skimming" behavior was common practice in the subprime mortgage securitization market prior to its collapse in 2007. Using Home Mortgage Disclosure Act data merged with data on subprime loan delinquency by ZIP c...

  12. Agricultural problems

    International Nuclear Information System (INIS)

    Bickerton, George E.

    1997-01-01

    Although there were not reasons to deplore against major activity release from any of the 110 industrial reactors authorized to operate in US, the nuclear incident that occurred at the Three Mile Island Plant in 1979 urged the public conscience toward the necessity of readiness to cope with events of this type. The personnel of the Emergency Planning Office functioning in the frame of US Department of Agriculture has already participated in around 600 intervention drillings on a federal, local or state scale to plan, test or asses radiological emergency plans or to intervene locally. These exercises allowed acquiring a significant experience in elaborating emergency plans, planning the drillings, working out scenarios and evaluation of the potential impact of accidents from the agricultural point of view. We have also taken part in different international drillings among which the most recent are INEX 1 and RADEX 94. We have found on these occasions that the agricultural problems are essential preoccupations in most of the cases no matter if the context is international, national, local or of state level. The paper poses problems specifically related to milk, fruits and vegetables, soils, meat and meat products. Finally the paper discusses issues like drilling planning, alarm and notification, sampling strategy, access authorizations for farmers, removing of contamination wastes. A number of social, political and economical relating problems are also mentioned

  13. The impact of possession on legality of mortgage registered on a building under construction: With case law

    Directory of Open Access Journals (Sweden)

    Vicković Tanja

    2016-01-01

    Full Text Available The expansion of the subject of a mortgage to buildings under construction is a considerable step forward in regulating mortgages. It is not possible to register ownership rights on buildings under construction. A person acquiring ownership does not have the possibility to protect his rights. Acquiring ownership rights to a building under construction is tied to possession. This is detrimental to the principle of publicity which in turn erodes the principle of reliance. Validity of the mortgage is tied to the possession over the mortgaged real estate at the time of its registration. Such position of the courts challenges the very essence of mortgage.

  14. Financial support of agricultural land in Ukraine

    Directory of Open Access Journals (Sweden)

    Davydenko Nadiia Mykolayivna

    2017-06-01

    Full Text Available The article stipulates that a prerequisite for expanded reproduction in agriculture is a sustainable use of land and measures for its reproduction by maintaining its fertility and environmental suitability. It is noted that in order to maintain and improve soil fertility, it is necessary to have an appropriate financial support. Possible sources of financial support of reproduction of agricultural landare described, including: income, depreciation, funds from the sale of used fixed assets, proceeds from the issue of shares; bank credit, forfeiting, mortgage, government loans, foreign loans, bond issues, agricultural receipts, operational and financial leasing, investment tax credits, subsidies, grants, subsidies. It is proved that the strategy of financial security of reproduction of land at the macro level should match the overall national strategy to develop agriculture in Ukraine.

  15. IMPROVING THE SYSTEM OF MORTGAGE CREDITING OF RESIDENTIAL REAL ESTATE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Alexander Goloven

    2015-11-01

    Full Text Available The purpose of the article is to improve the system of mortgage crediting of residential real estate in Ukraine. Mortgage lending appeared in Ukraine in the early XVII century, today the actual problem is a small percentage of the banking book long-term mortgage loans, because banks, on the one hand, tend to rotate without the risk of short-term funds, another potential borrower of these loans, unfortunately, is not creditworthy. However, despite the risks, this banking product is a significant factor in the redistribution and accumulation of funds, the transformation of private savings into investment resources, the problem of housing, but also contributes to the stabilization of the economy in the country as a whole. Functioning and the distribution of mortgage capital, the possible financial risks, the interaction of the mortgage market by the financial, investment and monetary Affairs, leads to a certain complexity of the mechanism of functioning of the mortgage market of Ukraine in general. The relevance of this topic not only in the development of the housing market, but also the feasibility studies for the development of this issue. We present an analysis of the institutional environment of mortgage lending residential real estate, which gave an opportunity to identify and define the environment of modern residential real estate market, its relationship with other markets. Methodology. The survey is based on institutional structure of the mortgage market that has evolved independently of other structures, independently within country under the influence of specific socio-economic environment and economic policy. Results of the survey showed that mortgage lending can be providing the borrower with some free services, such as: long-term deposit on favorable terms, notary services, insurance, discounts on bank services, providing services to the bank and the developer, given appropriate training of the borrower and so forth. Practical

  16. Linking mortgage finance incentives to a voluntary home energy rating system: Insight into consensus building

    International Nuclear Information System (INIS)

    Jenior, M.-M.

    1994-01-01

    A collaborative consensus process was created to implement a program linking voluntary home energy rating systems (HERS) to mortgage incentives. The participants involved many of the stakeholders or interest groups who have a role in implementing and who will be affected by energy efficiency mortgate incentive programs linked to HERS. The participants included representatives from the primary and secondary mortgage market; real estate, home building, and remodeling industries; utilities; state, local, consumer, and environmental organizations; and home energy rating providers. The participants defined the actions required to implement as well as the technical requirements of a program linking home energy ratings and mortgage finance. Building on the recommendations of the collaborative process, members of the collaborative continue to take initiatives to put a Home Energy Rating Systems Council into place, in planning pilot programs for developing and testing ways to link HERS and mortgage programs, and in making home buyers and owners aware of existing mortgage incentives. At the same time, mortgage providers are working to develop uniformity among mortgage incentive programs and with the US Department of Energy to develop procedures to verify the relative accuracy of HERS calculation tools and their application, and with the emerging HERS Council to develop the guidelines for voluntary HERS required under the Energy Policy Act of 1992

  17. Analysis of Tax-deductible Interest Payments for Re-advanceable Canadian Mortgages

    Science.gov (United States)

    Naseem, Almas; Reesor, Mark

    2011-11-01

    According to Canadian tax law the interest on loans used for investment purposes is tax deductible while interest on personal mortgage loans is not. One way of transforming from non-tax deductible to tax deductible interest expenses is to borrow against home equity to make investments. A re-advanceable mortgage is a product specifically designed to take advantage of this tax discrepancy. Using simulation we study the risk associated with the re-advanceable mortgage strategy to provide a better description of the mortgagor's position. We assume that the mortgagor invests the borrowings secured by home equity into a single risky asset (e.g., stock or mutual fund) whose evolution is described by geometric Brownian motion (GBM). With a re-advanceable mortgage we find that the average mortgage payoff time is less than the original mortgage term. However, there is considerable variation in the payoff times with a significant probability of a payoff time exceeding the original mortgage term. Higher income homeowners enjoy a payoff time distribution with both a lower average and a lower standard deviation than low-income homeowners. Thus this strategy is most beneficial to those with the highest income. We also find this strategy protects the homeowner in the event of job loss. This work is important to lenders, financial planners and homeowners to more fully understand the benefits and risk associated with this strategy.

  18. The Exposure of Mortgage Borrowers to Interest Rate Risk, Income Risk and House Price Risk – Evidence from Swiss Loan Application Data

    OpenAIRE

    Guin, Benjamin; Brown, Martin

    2015-01-01

    We study the exposure of mortgage borrowers in Switzerland to interest rate, income and house price risks and examine how the households’ choice of risky mortgages is related to individual interest rate expectations and risk-aversion. Our analysis is based on a unique data set of household mortgage applications from September 2012 until January 2014. Our assessment of risk exposure among mortgage borrowers in Switzerland is highly sensitive to the underlying assumptions on mortgage costs, hou...

  19. Home Truths: Promises and Challenges in Linking Mortgages and Political Influence

    Directory of Open Access Journals (Sweden)

    Deniz Igan

    2016-11-01

    Full Text Available What can “big data” tell us about the dynamics shaping the regulation of and activities in housing and mortgage markets? This paper describes a detailed database of the lobbying activities, campaign contributions, political connections, and mortgage lending activities of the financial industry. A review of the findings of recent research that has utilized this data set suggests that the political influence of the financial industry may have a bearing on the regulation of mortgage markets and, in turn, on risk-taking by lenders. A key challenge is deciphering the motivations behind the politically targeted activities of the financial industry.

  20. Risks of Mortgage Loans in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Jaroslav Tichý

    2015-10-01

    Full Text Available Indebtedness through mortgage loans is dominant of household debt in the Czech Republic. The gradual increase in the household debt level may also entail increasing credit risk assumed by banks in connection with their credit exposure to this sector. The objective of the paper is to verify the risk and identify factors that affect the credit risk development in the Czech Republic. We look for correlation between the risk development and the interest rate development. Furthermore, we verify links between the risk and the development of real estate collateral value. The paper does confirm that there are real risks associated with the potential increase in interest rates. No significant risks have been confirmed with regard to the current development of the residential property value. The paper also strives to provide an identification and verification of risks stemming from individual banks’ internal processes. It features a detailed analysis of the internal factors (aspects comprising revenue, competition, as well as distribution.

  1. On the effectiveness of the Federal Reserve's new liquidity facilities

    OpenAIRE

    Tao Wu

    2008-01-01

    This paper examines the effectiveness of the new liquidity facilities that the Federal Reserve established in response to the recent financial crisis. I develop a no-arbitrage based affine term structure model with default risk and conduct a thorough factor analysis of the counterparty default risk among major financial institutions and the underlying mortgage default risk. The new facilities' effectiveness is examined, by first separately examining their effects in relieving financial instit...

  2. 26 CFR 1.25-3T - Qualified mortgage credit certificate (Temporary).

    Science.gov (United States)

    2010-04-01

    ... providing the mortgage or to the issuer of the certificate containing a material misstatement and such misstatement is due to fraud. In determining whether any misstatement is due to fraud, the rules generally...

  3. Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC Information Sheet

    Science.gov (United States)

    Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC (the Company) is located in Anaheim, California. The settlement involves the sale of properties constructed prior to 1978, located in Bakersfield and Ridgecrest, California.

  4. INFLUENCE OF MORTGAGE RATES PRICE FORMATION ON THE PRIMARY HOUSING MARKET

    Directory of Open Access Journals (Sweden)

    Nikolay I. Kornilov

    2015-01-01

    Full Text Available The article considers relationship of pricesin the primary market, depending on theregional origin and type of home, with thevalue of mortgage rates. Assesses thestrength of such a relationship and thepossible effects of changes in such rates.

  5. 24 CFR 203.437 - Mortgages involving a dwelling unit in a cooperative housing development.

    Science.gov (United States)

    2010-04-01

    ... Corporate Certificate Transfer Book that such book currently shows that the Secretary is the owner of the... mortgage has announced an intention to foreclose. [42 FR 40432, Aug. 10, 1977; 42 FR 57435, Nov. 2, 1977...

  6. Stochastic optimization of subprime residential mortgage loan funding and its risks / by B. de Waal

    OpenAIRE

    De Waal, Bernadine

    2010-01-01

    The subprime mortgage crisis (SMC) is an ongoing housing and nancial crisis that was triggered by a marked increase in mortgage delinquencies and foreclosures in the U.S. It has had major adverse consequences for banks and nancial markets around the globe since it became apparent in 2007. In our research, we examine an originator's (OR's) nonlinear stochastic optimal control problem related to choices regarding deposit inflow rates and marketable securities allocation. Here, ...

  7. The National Housing Fund, Mortgage Finance and Capital Formation in Nigeria

    Directory of Open Access Journals (Sweden)

    ADETILOYE Kehinde Adekunle

    2013-07-01

    Full Text Available Mortgage financing is one of the ways by which housing stocks are added and capital formation takes place in an economy. This paper examined the impact of the National Housing Fund (NHF, a government agency, in the process of capital formation in Nigeria. The paper adopted some key variables among which are capital formation, lending rate and capital expenditure and the various aspects of mortgage loans in the economy. The paper employed the Two Stage Least Square (2SLS techniques to measure the impact of the various units. It discovers that the mortgage loan generally is significant and insurance companies advances for mortgage is also significant while the National Housing Fund (NHF is not significant. This is however due to many problems bedevilling the Fund. The paper recommends among others, the deepening of the mortgage finance market, further assistance to the help to the National Housing Fund and while the government incentivises the firms involved in lending on mortgage fiscally to improve performance and capital stocks in the economy.

  8. 76 FR 5292 - Alternatives to Use of Credit Ratings in Regulations Governing the Federal National Mortgage...

    Science.gov (United States)

    2011-01-31

    ... Chicago, Illinois, as the ``Steve Goodman Post Office Building''. 111-218......... To designate the............ Small Business Jobs Act of 2010 Sept. 27, 2010....... 2504 111-241......... Multinational Species..., and Job Dec. 17, 2010........ 3296 Creation Act of 2010. 111-313......... Truth in Fur Labeling Act of...

  9. 75 FR 4963 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2010-01-29

    ... the existing program requirement. The current downturn in the economy, which has reduced the... refinancing was not as great as was the need for financing for new construction, renovation and rehabilitation... conditioning the refinancing on new construction or renovation. The Section 223(f) refinancing authority as a...

  10. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ... available through other sources, and to eliminate from eligibility hospitals with poor financial performance... terminology, based on experience to date, to facilitate understanding how the Section 242 program works. C... divide other. Additionally, revises certain threshold factors that make an initial determination of a...

  11. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Science.gov (United States)

    2010-04-01

    ..., rehabilitation or purchase of property located near any installation of the Armed Forces of the United States in... probable cost to the Government; and (2) The Secretary of Defense certifies that there is no intention to...

  12. 77 FR 40310 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Science.gov (United States)

    2012-07-09

    ... would occur 3 to 7 years after origination, following 10 to 30 months of delinquency. The savings to HUD... requirements, unless the agency certifies that the rule will not have a significant economic impact on a... [[Page 40314

  13. 76 FR 53851 - Federal Housing Administration (FHA): Suspension of Section 238(c) Single-Family Mortgage...

    Science.gov (United States)

    2011-08-30

    ... actuarially sound, and to prescribe terms and conditions relating to the insurance found to be necessary and... conform to other FHA programs because HUD determined that ``the actuarial experience under Section 238(c... there is a demand for this program and that military families would be better served by this program...

  14. 7 CFR 1260.112 - Federation.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Federation. 1260.112 Section 1260.112 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (MARKETING AGREEMENTS..., which includes as its State affiliates the qualified State beef councils. ...

  15. 24 CFR 207.252c - Premiums-mortgages insured pursuant to section 238(c) of the Act.

    Science.gov (United States)

    2010-04-01

    .... All of the provisions of §§ 207.252 and 207.252a governing mortgage insurance premiums shall apply to... insurance premiums due on such mortgages in accordance with §§ 207.252 and 207.252a shall be calculated on... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Premiums-mortgages insured pursuant...

  16. Taming agricultural risks

    OpenAIRE

    Oppedahl, David B.

    2014-01-01

    On November 19, 2013, the Federal Reserve Bank of Chicago held a conference to explore the key risks faced by agricultural producers and lenders, as well as the risk-management tools available to them, in today’s volatile environment.

  17. 7 CFR 3015.83 - Federal cash transactions report.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Federal cash transactions report. 3015.83 Section 3015.83 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL OFFICER, DEPARTMENT OF AGRICULTURE UNIFORM FEDERAL ASSISTANCE REGULATIONS Financial Reporting...

  18. Federal Holidays

    Data.gov (United States)

    Office of Personnel Management — Federal law (5 U.S.C. 6103) establishes the following public holidays for Federal employees. Please note that most Federal employees work on a Monday through Friday...

  19. Early warning system for potential churners among mortgage customers

    Science.gov (United States)

    Irpan, Hamidah Muhd; Aidid, Sharifah Sakinah Syed Hassan; Mohmad, Sarahiza; Ibrahim, Noorazilah

    2014-07-01

    Retaining existing customer is a major task for many companies because cost to acquire new customers is higher than retaining existing customers. For mortgage business in Bank X, customer relationship management plays a big role to understand their customers' profile and churners so that suitable action can be done to retain their potential churners. Objectives of this study are (1) understanding their customers' profile and churners, (2) modeling potential churners using neural network model and (3) to deploy the model to identify potential churners. Data was divided into two parts: sampling (67,470 cases) and scoring (4,488 cases). Analysis was done using SAS Enterprise Miner. Dependent variable is churner/non churner while independent variables are balance and amount of loan, interest rate offered installment amount, loan performance, months in arrear, vintage, tenure, age, race and gender. Potential churners were identified as Malays, followed by Indian, other races and Chinese. Nonperforming loan and male customers tend to churn compared to performing loan and female customers. Younger customers with small loan amount, balance and monthly instalment, higher interest rate, have many months in arrears, longer vintage and tenure have higher tendency to churn from Bank X. Hence, Bank X should focus on the potential churners for their campaign to minimize the expenses of retaining existing customers by doing an effective campaign with high successful rate.

  20. Clever farmers give gas: model solutions for agricultural biogas systems. Results from the BMVEL (Federal Ministry for Consumers' Protection, Nutrition and Agriculture) model project 2004/2005: Moel solutions for environment-friendly and economical energy utilization with agricultural biogas systems

    International Nuclear Information System (INIS)

    Niebaum, A.; Jaeger, P.

    2005-01-01

    With the examples of biogas system concepts from practical agriculture, farmers, consultants, representatives of authorities and all those interested in biogas are shown successful and proved solutions concepts of generating energy from biogas. The project included agricultural enterprises with biogas systems who have implemented a biologically and technically efficient biomass utilization, who have optimized their operations by means of the biogas system, who have integrated their biogas system in their operational concept and who were able to harmonize the objectives of using a biogas system with the environment and the regional specificities

  1. A New Paradigm in Islamic Housing: Non-Bank Islamic Mortgage

    Directory of Open Access Journals (Sweden)

    Egi Arvian Firmansyah

    2018-05-01

    Full Text Available An increasing demand for a sharia-compliant housing has resulted in a new initiative where the mortgage can presently be directly handled by the developer without involving the bank. This is called non-bank Islamic mortgage. This paper is aimed at portraying the consumer’s profile of non-bank Islamic mortgage and the issues of this practice. We disseminated questionnaires to the respondents in several cities in West Java who bought the house-using non-bank Islamic mortgage scheme. Subsequently, we synthesized the answers regarding their profiles and issues of the scheme for the betterment in the future. One of the issues of this scheme is the higher fraud because there is no rigorous credit scoring as conducted by the bank. The research of non-bank Islamic mortgage is still scant so this paper is expected to shed the light by contributing to the literature of Islamic home financing.DOI: 10.15408/aiq.v10i2.7274

  2. Mortgage loans: an analysis of the portfolios of the largest banks in Brazil

    Directory of Open Access Journals (Sweden)

    Bruno Vinícius Ramos Fernandes

    2013-05-01

    Full Text Available Given the current macroeconomic environment experienced in Brazil, where inflation has stabilized and the basic interest rate of the economy is in one of their historical lows, demand for mortgages is increasing. In this context, the mortgage is presented with great emphasis to meet the demand for purchasing housing in addition to being a catalyst for the reduction of the high housing deficit. From a descriptive and empirical-analytic was analyzed the mortgage loan portfolio of the largest banks of the country between the years 2001 and 2010 through Quarterly Financial Information (IFT available on the Central Bank website. It was settled a comparative relationship between the data in order to check the development of mortgage portfolios over the years and the factors that influenced this evolution, and evaluate the timeliness and quality of those loans. For the evolution of the portfolio there was an economic context in which Brazil was included in the period, and observed that for most of these operations are long term the banks are more exposed to market risk. With regard to credit risk parse that, over the years, Brazilian banks are presenting a mortgage loan portfolio with lower risk, and it is found that institutions with real estate credits with higher levels of portfolio risk are subject to have higher losses on such operations in the possibility of default.

  3. 12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.

    Science.gov (United States)

    2010-01-01

    ..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...

  4. 24 CFR 203.390 - Waiver of title-mortgages or property formerly held by the Secretary.

    Science.gov (United States)

    2010-04-01

    ... UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and... conveyed to him, he will not object to title by reason of any lien or other adverse interest that was... mortgage is later conveyed to the Secretary, the Secretary will not object to title by reason of any lien...

  5. Agriculture: Climate

    Science.gov (United States)

    Climate change affects agricultural producers because agriculture and fisheries depend on specific climate conditions. Temperature changes can cause crop planting dates to shift. Droughts and floods due to climate change may hinder farming practices.

  6. Agricultural Overpopulation

    OpenAIRE

    Bičanić, Rudolf

    2003-01-01

    The author discusses three different approaches to agricultural overpopulation: from the consumption side, from the production side and from the aspect of immobility of agricultural population. In the first approach agrarian overpopulation is defined from the consumption point of viewas the number of people living from agriculture that can live from aggregate agricultural income at a certain standard of consumption. In this connection the problem of measuring total agricultu...

  7. A boundary PDE feedback control approach for the stabilization of mortgage price dynamics

    Science.gov (United States)

    Rigatos, G.; Siano, P.; Sarno, D.

    2017-11-01

    Several transactions taking place in financial markets are dependent on the pricing of mortgages (loans for the purchase of residences, land or farms). In this article, a method for stabilization of mortgage price dynamics is developed. It is considered that mortgage prices follow a PDE model which is equivalent to a multi-asset Black-Scholes PDE. Actually it is a diffusion process evolving in a 2D assets space, where the first asset is the house price and the second asset is the interest rate. By applying semi-discretization and a finite differences scheme this multi-asset PDE is transformed into a state-space model consisting of ordinary nonlinear differential equations. For the local subsystems, into which the mortgage PDE is decomposed, it becomes possible to apply boundary-based feedback control. The controller design proceeds by showing that the state-space model of the mortgage price PDE stands for a differentially flat system. Next, for each subsystem which is related to a nonlinear ODE, a virtual control input is computed, that can invert the subsystem's dynamics and can eliminate the subsystem's tracking error. From the last row of the state-space description, the control input (boundary condition) that is actually applied to the multi-factor mortgage price PDE system is found. This control input contains recursively all virtual control inputs which were computed for the individual ODE subsystems associated with the previous rows of the state-space equation. Thus, by tracing the rows of the state-space model backwards, at each iteration of the control algorithm, one can finally obtain the control input that should be applied to the mortgage price PDE system so as to assure that all its state variables will converge to the desirable setpoints. By showing the feasibility of such a control method it is also proven that through selected modification of the PDE boundary conditions the price of the mortgage can be made to converge and stabilize at specific

  8. Contagion in International Stock Markets during the Sub Prime Mortgage Crisis

    Directory of Open Access Journals (Sweden)

    Hsien-Yi Lee

    2012-01-01

    Full Text Available The sub prime mortgages crises took place in July, 2007 in US which causes the large scare in the global financial markets, and the international stock and foreign market suffer heavy shock. Using twenty international stock indexes, this study examines whether any contagion effect occurred across international markets after the sub-prime financial mortgage crisis in US. Using the heteroscedasticity biases based on correlation coefficients to examine the existence of the contagion effect, this study shows that stock markets of some countries (namely Hong Kong, Taiwan, Australia and New Zealand did suffer from the contagion effect.

  9. Mortgages, seniors and the common law contractual doctrine of mental incapacity in Australia.

    Science.gov (United States)

    Burns, Fiona

    2011-01-01

    Seniors in Australia are being called upon to mortgage their most precious economic asset, the family home. They may be asked to guarantee the liabilities of other family members by providing a mortgage-based guarantee or they may decide to enter into a reverse mortgage to supplement financially their savings and pensions. As the family home is the single most valuable asset for most older Australians, the creation of any obligations in regard to it ought to be undertaken with care and vigilance. While seniors are free to create mortgage, they may lack the capacity to understand the legal ramifications of these complex transactions or be unable to protect their interests when entering into them. It is not suggested that older Australians necessarily suffer a lack of contractual capacity. Many seniors are more than able to take care of their interests and assets. However, some seniors do suffer cognitive impairment which adversely affects their capacity to act in their best interests and to navigate the complexities of contractual relations. In contract and mortgage law, this raises the issue of mental incapacity. For centuries, the common law has recognized not only that mentally incapacitated people exist, but that they may enter into contracts such as mortgage and may later wish to have the mortgage set aside. The present formulation of the contractual doctrine of mental incapacity is the product of 19th century jurisprudence in which the courts framed the doctrine to accommodate commercial dealing rather than the interests of persons who lacked the necessary mental capacity. Accordingly, the doctrine has been very difficult to rely on successfully when challenging mortgages made by persons lacking capacity. Therefore, Australian litigators and courts alike have sought to deal with mental incapacity issues in the contractual context by using and modifying other doctrines (such as non est factum, undue influence and unconscionable dealing) in which the issue of

  10. Federalism Lives.

    Science.gov (United States)

    Howard, A. E. Dick

    1987-01-01

    Examines the concept of federalism in terms of its past history and its encouraging future. Calls for a revival of concern for federalism not simply as a convenient administrative arrangement but as a fundamental constitutional value. (BSR)

  11. Understanding Federalism.

    Science.gov (United States)

    Hickok, Eugene W., Jr.

    1990-01-01

    Urges returning to the original federalist debates to understand contemporary federalism. Reviews "The Federalist Papers," how federalism has evolved, and the centralization of the national government through acts of Congress and Supreme Court decisions. Recommends teaching about federalism as part of teaching about U.S. government…

  12. Federal Interagency Geothermal Activities

    Energy Technology Data Exchange (ETDEWEB)

    Anderson, Arlene [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Prencipe, Loretta [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Todaro, Richard M. [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Cuyler, David [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Eide, Elizabeth [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States)

    2011-06-01

    This collaborative document describes the roles and responsibilities of key Federal agencies in the development of geothermal technologies including the U.S. Department of Energy (DOE); the U.S. Department of Agriculture (USDA), including the U.S. Forest Service; the U.S. Department of Interior (DOI), including the United States Geological Survey (USGS) and Bureau of Land Management (BLM); the Environmental Protection Agency (EPA); and the Department of Defense (DOD).

  13. Mortgage market maturity and homeownership inequality among young households: a five-country perspective

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena; Sierminska, E.

    -, č. 90 (2008), s. 1-58 ISSN 1864-6689 Institutional research plan: CEZ:AV0Z70850503 Keywords : home ownership * credit constraints * mortgage market Subject RIV: AH - Economics http://www.diw-berlin.de/documents/publikationen/73/79474/diw_sp0090.pdf

  14. Mortgage market maturity and homeownership inequality among young households: a five-country perspective

    Czech Academy of Sciences Publication Activity Database

    Bičáková, Alena; Sierminska, E.

    -, č. 778 (2008), s. 1-51 ISSN 1619-4535 Institutional research plan: CEZ:AV0Z70850503 Keywords : home ownership * credit constraints * mortgage market Subject RIV: AH - Economics http://www.diw-berlin.de/documents/publikationen/73/81771/dp778.pdf

  15. 75 FR 50801 - Reverse Mortgage Products: Guidance for Managing Compliance and Reputation Risks

    Science.gov (United States)

    2010-08-17

    ... recommended in this guidance when advertising reverse mortgages through certain forms of media, such as radio... organization commenter urged that loan originators should ensure that brokers do not advertise reverse... borrower was 73 years old, had a home valued at $261,500, and had financial assets of less than $33,000...

  16. Purchasing complex services on the Internet; An analysis of mortgage loan acquisitions

    NARCIS (Netherlands)

    B.L.K. Vroomen (Björn); A.C.D. Donkers (Bas); P.C. Verhoef (Peter); Ph.H.B.F. Franses (Philip Hans)

    2003-01-01

    textabstractIn contrast to, for example, books and compact discs, the number of complex services offered on the Internet is still small. A good example of such a service concerns mortgage loans. The decision-making process differs for complex services in that they have an extra intermediate step of

  17. The Psychology and Economics of Reverse Mortgage Attitudes : Evidence from the Netherlands

    NARCIS (Netherlands)

    Dillingh, W.F.; Prast, Henriette; Rossi, M.; Urzi Brancati, C.

    2015-01-01

    We find that among Dutch homeowners there is substantial potential interest in reverse mortgages, especially for the purpose of being able to live more comfortably and not worry about money until death, or to make a significant expenditure— on e.g. home improvements or traveling. Our regression

  18. A two-factor, stochastic programming model of Danish mortgage-backed securities

    DEFF Research Database (Denmark)

    Nielsen, Søren S.; Poulsen, Rolf

    2004-01-01

    -trivial, both in terms of deciding on an initial mortgage, and in terms of managing (rebalancing) it optimally.We propose a two-factor, arbitrage-free interest-rate model, calibrated to observable security prices, and implement on top of it a multi-stage, stochastic optimization program with the purpose...

  19. Consultative selling in financial services : An observational study of the mortgage mediation process

    NARCIS (Netherlands)

    Verhallen, Theo M.m.; Greve, Harriette; Frambach, Ruud Th

    1997-01-01

    Notes that the literature on personal selling and advising on services stresses the importance of analysing the actual client-adviser interaction process. Explores this process of interaction in a mortgage setting by observing 42 conversations between advisers and 26 clients. The exact content and

  20. State Mortgage Foreclosure Policies and Lender Interventions: Impacts on Borrower Behavior in Default

    Science.gov (United States)

    Collins, J. Michael; Lam, Ken; Herbert, Christopher E.

    2011-01-01

    Due to the rise in foreclosure filings, policymakers are increasingly concerned with helping families in financial distress keep their homes. This paper tests the extent to which distressed mortgage borrowers benefit from three types of state foreclosure polices: (1) judicial foreclosure proceedings, (2) statutory rights of redemption, and (3)…

  1. 24 CFR 203.29 - Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.

    Science.gov (United States)

    2010-04-01

    ... construct dwellings without sacrificing sound standards of construction, design or livability, the party may submit documentation in support of an alternative mortgage limit. This documentation should include actual or estimated costs of such items as design, construction, materials, and labor. In addition...

  2. 75 FR 41875 - Technical Processing Requirements for Multifamily Project Mortgage Insurance

    Science.gov (United States)

    2010-07-19

    ... is used to determine if key principals are acceptable and have the ability to manage the development... principals are acceptable and have the ability to manage the development, construction, completion, and... Requirements for Multifamily Project Mortgage Insurance AGENCY: Office of the Chief Information Officer, HUD...

  3. An Analysis of the Neighborhood Impacts of a Mortgage Assistance Program: A Spatial Hedonic Model

    Science.gov (United States)

    Di, Wenhua; Ma, Jielai; Murdoch, James C.

    2010-01-01

    Down payment or closing cost assistance is an effective program in addressing the wealth constraints of low-and moderate-income homebuyers. However, the spillover effect of such programs on the neighborhood is unknown. This paper estimates the impact of the City of Dallas Mortgage Assistance Program (MAP) on nearby home values using a hedonic…

  4. 78 FR 10901 - Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-02-14

    ... who's actually going to be punished by the mortgage fraud settlement, Bloomberg News, February 10... Unsound Foreclosure Practices (Apr. 13, 2011), available at http://www.occ.gov/news-issuances/news...), available at http://www.occ.treas.gov/news-issuances/news-releases/2011/nr-occ-2011-47.html . \\30\\ See Fed...

  5. The impact of concentration and regulation on competition in the Dutch mortgage market

    NARCIS (Netherlands)

    Mulder, Machiel

    2014-01-01

    This article investigates the effects of industry structure and regulatory pricing constraints on competition in the Dutch mortgage market during the global financial crisis that began in 2008. This highly concentrated market became even more concentrated following the financial crisis, when some

  6. 24 CFR 221.795 - Displacement-below market interest rate mortgages.

    Science.gov (United States)

    2010-04-01

    ... Rights and Obligations-Moderate Income Projects § 221.795 Displacement—below market interest rate... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Displacement-below market interest rate mortgages. 221.795 Section 221.795 Housing and Urban Development Regulations Relating to Housing...

  7. 26 CFR 1.6709-1T - Penalties with respect to mortgage credit certificates (temporary).

    Science.gov (United States)

    2010-04-01

    ... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Additions to the Tax, Additional Amounts... affidavit or other statement under a penalty of perjury made with respect to the issuance of a mortgage credit certificate and such misstatement is due to the negligence of that person, that person shall pay a...

  8. Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

    Directory of Open Access Journals (Sweden)

    Khuselchimeg Batbileg

    2012-04-01

    Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

  9. TIAA's Commercial Mortgage and Real Estate Investments: The Case for Financial Disclosure.

    Science.gov (United States)

    Garrigan, Richard T.; Jones, Thomas W.

    1992-01-01

    The Teachers Insurance and Annuities Association (TIAA) is criticized for inadequate financial disclosure of its mortgage and real estate investments, especially in the current market. A TIAA vice president responds that the company has not been remiss in reporting changes to its constituents and outlines its present financial status. (MSE)

  10. 78 FR 45945 - 60-Day Notice of Proposed Information Collection: Contractor's Requisition-Project Mortgages

    Science.gov (United States)

    2013-07-30

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5687-N-34] 60-Day Notice of Proposed Information Collection: Contractor's Requisition--Project Mortgages AGENCY: Office of the Assistant Secretary... Section A. A. Overview of Information Collection Title of Information Collection: Contractor's Requisition...

  11. 24 CFR 242.23 - Maximum mortgage amounts and cash equity requirements.

    Science.gov (United States)

    2010-04-01

    ... addition to the value of plant, property, and equipment and other values recognized as loan security in the commitment process. Exercise of this discretion shall never cause a loan to exceed 90 percent of estimated... COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL...

  12. 12 CFR Appendix B to Part 1720 - Policy Guidance; Non-Mortgage Liquidity Investments

    Science.gov (United States)

    2010-01-01

    ... investment activities. The Board of Directors and management must evaluate the effectiveness of non-mortgage... Board in terms of why they occurred (e.g., changes in portfolio composition, changes in funding costs... reviewed annually, for: i. Credit threshold guidelines: Credit quality is a compelling factor for liquidity...

  13. 77 FR 57199 - 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal

    Science.gov (United States)

    2012-09-17

    ... servicers under a variety of business models. In some cases, creditors service mortgage loans that they... business model, servicers act primarily as payment collectors and processors, and provide minimal customer... (2011) (Thompson), available at http://digital.law.washington.edu/dspace-law/bitstream/handle/1773.1...

  14. 77 FR 57317 - 2012 Truth in Lending Act (Regulation Z) Mortgage Servicing

    Science.gov (United States)

    2012-09-17

    ... servicers under a variety of business models. In some cases, creditors service mortgage loans that they... disbursement, and cross-marketing other products and services to borrowers. Under this business model...), available at: http://digital.law.washington.edu/dspace-law/bitstream/handle/1773.1/1074/86WLR755.pdf . These...

  15. Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2009-01-01

    This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new

  16. MODEL PEMBAYARAN GRADUATED PAYMENT MORTGAGE (GPM SEBAGAI SALAH SATU ALTERNATIF PEMBAYARAN KREDIT RUMAH

    Directory of Open Access Journals (Sweden)

    Njo Anastasia

    2003-01-01

    Full Text Available The Graduated Payment Mortgage (GPM has a unique stair-step payment schedule that often enhances borrower qualification for young, first-time home buyers who are anticipated to have increasing incomes. The determination of the initial payment on a GPM mortgage is often regarded as complex; therefore, textbook authors especially financial real estate normally disregard its theoretical development and substitute instead GPM interest factor tables. This study develops a general equation for finding the initial payment on a GPM and programmable computer spreadsheets (Microsoft Excel routines for implementing the general equation. This approach enhances the technical understanding of the GPM, and its offer more flexible. Abstract in Bahasa Indonesia : Model Graduated Payment Mortgage (GPM memiliki keunikan dalam pembayaran pinjaman yang dapat membantu peminjam usia muda, pembeli rumah pertama yang dapat diantisipasi pertambahan pendapatannya. Pembayaran cicilan pertama GPM sangat kompleks, sehingga pada umumnya buku-buku tentang keuangan real estat menetapkan pola pembayaran GPM menggunakan tabel suku bunga. Penelitian ini mengembangkan pola pembayaran cicilan pertama GPM menggunakan program komputer (Microsoft Excel untuk lebih fleksibel dalam penerapannya. Kata kunci: graduated payment mortgage, cicilan pertama, tabel suku bunga, komputer.

  17. SPILLOVER EFFECTS OF THE SUB-PRIME MORTGAGE CRISIS TO THE ASIAN STOCK MARKETS

    Directory of Open Access Journals (Sweden)

    Esta Lestari

    2014-10-01

    Full Text Available AbstractThis paper aims to analyze the effects of the sub-prime mortgage crisis on several Asian stock markets. An Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH model is employed to provide an empirical evidence of the direct spillover. The indirect effect is measured through the spillover effects from the increased volatility in the U.S. stock markets to the Asian stock markets. The results showed that the market integration occurs within Asian stock markets. Meanwhile the asymmetric effects are evident for all the Asian countries stock markets, indicating that financial markets in Asia are suffered more from negative news (shocks lead to more volatilities compared to positive news. Keywords: Stock market, sub-prime mortgage crisis, volatility, spillover effectJEL classification numbers: C22, F36, G15AbstrakPaper ini bertujuan untuk menganalisis pengaruh krisis sub-prime mortgage pada beberapa pasar saham Asia. Model Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH digunakan untuk mendapatkan bukti empiris dari kenaikan volatilitas dalam pasar saham Amerika pada pasar-pasar saham Asia. Hasil analisis memperlihatkan bahwa integrasi pasar terjadi di dalam pasar saham Asia. Sementara itu, pengaruh asimetris terbukti terjadi di pasar-pasar saham Asia, mengindikasikan bahwa pasar-pasar keuangan di Asia menderita lebih parah sebagai akibat dari kejutan negatif dibandingkan dengan dampak dari kejutan positif.Kata kunci: Pasar saham, krisis sub-prime mortgage, volatilitas, pengaruh spillover JEL classification numbers: C22, F36, G15

  18. The role of mortgages and consumer credit in the business cycle

    NARCIS (Netherlands)

    Sterk, V.

    2011-01-01

    Many households rely on mortgages and consumer credit to finance their expenditures. Lenders usually impose certain conditions on loans, such as limits on the amounts that can be borrowed. Conventional intuition suggests that such conditions are important for our understanding of the business cycle,

  19. 26 CFR 1.163-11T - Allocation of certain prepaid qualified mortgage insurance premiums (temporary).

    Science.gov (United States)

    2010-04-01

    ... insurance premiums (temporary). 1.163-11T Section 1.163-11T Internal Revenue INTERNAL REVENUE SERVICE... insurance premiums (temporary). (a) Allocation—(1) In general. As provided in section 163(h)(3)(E), premiums... section applies whether the qualified mortgage insurance premiums are paid in cash or are financed...

  20. Energy-efficient mortgages and home energy rating systems: A report on the nation`s progress

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.C.; Eckert, J.

    1993-09-01

    This report summarizes progress throughout the nation in establishing voluntary programs linking home energy rating systems (HERS) and energy-efficient mortgages (EEMs). These programs use methods for rating the energy efficiency of new and existing homes and predicting energy cost savings so lenders can factor in energy cost savings when underwriting mortgages. The programs also encourage lenders to finance cost-effective energy-efficiency improvements to existing homes with low-interest mortgages or other instruments. The money saved on utility bills over the long term can more than offset the cost of such energy-efficiency improvements. The National Collaborative on HERS and EEMs recommended that this report be prepared.

  1. Minimizing predatory lending: Designing a long-term compensation structure to minimize the actions of opportunistic mortgage brokers

    Directory of Open Access Journals (Sweden)

    Patrick Payne

    2013-07-01

    Full Text Available This paper addresses the inadequacies in the current compensation structure for mortgage brokers, and asserts that the resulting opportunistic behavior by brokers played a major role in the 2008 collapse of the mortgage market. We utilize agency theory as an underpinning to suggest that increased regulation will have only a limited impact on self-serving behavior due to the complex information asymmetries possessed by brokers. We posit that a restructured long-term compensation package would be effective in aligning the interests of borrowers and brokers, ultimately reducing the level of mortgage defaults and foreclosures.

  2. 76 FR 44225 - Alternative Mortgage Transaction Parity (Regulation D)

    Science.gov (United States)

    2011-07-22

    ... Truth in Lending Act. The interim final rule is necessary to avoid a regulatory gap created by the... final rule therefore relies on the Truth in Lending Act (TILA) \\5\\ to establish the minimum federal... Act amendments or post-Dodd-Frank Act amendments--are applicable. Rather than a single event, a...

  3. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Chukwuemeka O. Iroham

    2017-06-01

    Full Text Available In this article, two sets of questionnaires were administered to professionals and clients (commercial banks on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  4. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria.

    Science.gov (United States)

    Iroham, Chukwuemeka O; Okagbue, Hilary I; Ogunkoya, Olalekan A; Owolabi, James D

    2017-06-01

    In this article, two sets of questionnaires were administered to professionals and clients (commercial banks) on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  5. 24 CFR 206.131 - Contract rights and obligations for mortgages on individual dwelling units in a condominium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Contract rights and obligations for... MORTGAGE INSURANCE Contract Rights and Obligations Condominiums § 206.131 Contract rights and obligations...] Termination of Insurance Contract ...

  6. Federal Investment

    Science.gov (United States)

    Campbell, Sheila; Tawil, Natalie

    2013-01-01

    The federal government pays for a wide range of goods and services that are expected to be useful some years in the future. Those purchases, called investment, fall into three categories: physical capital, research and development (R&D), and education and training. There are several economic rationales for federal investment. It can provide…

  7. 76 FR 33700 - Agricultural Policy Advisory Committee for Trade; Renewal

    Science.gov (United States)

    2011-06-09

    ...Pursuant to the Federal Advisory Committee Act, notice is hereby given that the Secretary of Agriculture (Secretary), in coordination with the United States Trade Representative (USTR), has renewed the Agricultural Policy Advisory Committee for Trade (APAC).

  8. Agriculture Sectors

    Science.gov (United States)

    The Agriculture sectors comprise establishments primarily engaged in growing crops, raising animals, and harvesting fish and other animals. Find information on compliance, enforcement and guidance on EPA laws and regulations on the NAICS 111 & 112 sectors.

  9. Institutional racism and pregnancy health: using Home Mortgage Disclosure act data to develop an index for Mortgage discrimination at the community level.

    Science.gov (United States)

    Mendez, Dara D; Hogan, Vijaya K; Culhane, Jennifer

    2011-01-01

    We used Home Mortgage Disclosure Act (HMDA) data to demonstrate a method for constructing a residential redlining index to measure institutional racism at the community level. We examined the application of the index to understand the social context of health inequities by applying the residential redlining index among a cohort of pregnant women in Philadelphia. We used HMDA data from 1999-2004 to create residential redlining indices for each census tract in Philadelphia County, Pennsylvania. We linked the redlining indices to data from a pregnancy cohort study and the 2000 Census. We spatially mapped the levels of redlining for each census tract for this pregnancy cohort and tested the association between residential redlining and other community-level measures of segregation and individual health. From 1999-2004, loan applicants in Philadelphia County, Pennsylvania, of black race/ethnicity were almost two times as likely to be denied a mortgage loan compared with applicants who were white (e.g., 1999 odds ratio [OR] = 2.00, 95% confidence interval [CI] 1.63, 2.28; and 2004 OR=2.26, 95% CI 1.98, 2.58). The majority (77.5%) of the pregnancy cohort resided in redlined neighborhoods, and there were significant differences in residence in redlined areas by race/ethnicity (pracism may contribute to our understanding of health disparities. Residential redlining and mortgage discrimination against communities may be a major factor influencing neighborhood structure, composition, development, and wealth attainment. This residential redlining index as a measure for institutional racism can be applied in health research to understand the unique social and neighborhood contexts that contribute to health inequities.

  10. Agriculture: About EPA's National Agriculture Center

    Science.gov (United States)

    EPA's National Agriculture Center (Ag Center), with the support of the United States Department of Agriculture, serves growers, livestock producers, other agribusinesses, and agricultural information/education providers.

  11. On a class of adjustable rate mortgage loans subject to a strict balance principle

    DEFF Research Database (Denmark)

    Astrup Jensen, Bjarne

    We describe the background and the basic funding mechanisms for the type of adjustable rate mortgageloans that were introduced in the Danish market in 1996. Each loan is funded separately by tap issuingpass-through mortgage bonds (`strict balance principle'). The novelty is a funding mechanism...... that usesa roll-over strategy, where long term loans are funded by sequentially issuing short term pass-throughbonds, and the first issuer of these loans obtained a patent on the funding principles in 1999. Publiclyavailable descriptions of the principles leave an impression of very complicated numerical...... algorithms.The algorithms described here show that the essentials can be reduced to a `back of an envelope' complexity.Keywords: Adjustable rate mortgages, balance principle, patent, yield curve riding...

  12. Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

    Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

  13. International and Russian practice of banking risk-management. Mortgage risks

    Directory of Open Access Journals (Sweden)

    A. V. Nikolaeva

    2016-01-01

    Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk

  14. Contagion of us subprime mortgage crisis to Colombian economy: measured by financial market data

    Directory of Open Access Journals (Sweden)

    Chu V. Nguyen

    2011-06-01

    Full Text Available The long-horizon event study methodology is used to document the severe impact of the US subprime mortgage crisis on the Colombian economy. The estimated parameter of a constantmean return model is used to derive the “abnormal return” on the market portfolios of Colombia over its selected event window. Analyses of the results reveal that the US subprime mortgage crisis negatively affected both the Colombian and the US equity markets almost identically in terms of cumulative percentage reductions and timing. Statistic testing results seem to support the qualitative observation. This phenomenon can be attributable to the recent multilateral and regional trade agreements that increase the flow of trade and foreign direct investment to Colombia.

  15. Federal Lands

    Data.gov (United States)

    Department of Homeland Security — This map layer consists of federally owned or administered lands of theUnited States, Puerto Rico, and the U.S. Virgin Islands. Only areas of 640 acres or more are...

  16. Race, gender, and statistical representation: predatory mortgage lending and the US community reinvestment movement

    OpenAIRE

    Elvin K Wyly; Mona Atia; Elizabeth Lee; Pablo Mendez

    2007-01-01

    American mortgage markets, once arenas of discrimination by exclusion, now operate as venues of segmentation and discrimination by inclusion: credit is widely available, but its terms vary enormously. One market segment involves sophisticated predatory practices in which certain groups of borrowers are targeted for high-cost credit that strips out home equity and worsens the risks of delinquency, default, and foreclosure. Unfortunately, it has become more difficult to measure inequalities of ...

  17. Multi-Period Structural Model of a Mortgage Portfolio with Cointegrated Factors

    Czech Academy of Sciences Publication Activity Database

    Gapko, Petr; Šmíd, Martin

    2016-01-01

    Roč. 66, č. 6 (2016), s. 565-574 ISSN 0015-1920 R&D Projects: GA ČR GA15-10331S Institutional support: RVO:67985556 Keywords : credit risk * mortgage * loan portfolio * dynamic model * estimation Subject RIV: AH - Economics Impact factor: 0.604, year: 2016 http://library.utia.cas.cz/separaty/2016/E/smid-0467176.pdf

  18. Advances in automated valuation modeling AVM after the non-agency mortgage crisis

    CERN Document Server

    Kauko, Tom

    2017-01-01

    This book addresses several problems related to automated valuation methodologies (AVM). Following the non-agency mortgage crisis, it offers a variety of approaches to improve the efficiency and quality of an automated valuation methodology (AVM) dealing with emerging problems and different contexts. Spatial issue, evolution of AVM standards, multilevel models, fuzzy and rough set applications and quantitative methods to define comparables are just some of the topics discussed.

  19. Fiscally Unsustainable Social Welfare, Untenable Housing Solutions and the Mortgage Default Ratio in South Africa

    Directory of Open Access Journals (Sweden)

    Vuyisani Vuyisani Moss

    2013-10-01

    Full Text Available This article reflects on social welfare system and governance of housingmarkets from an end-user perspective. The article critically analyses the wayin which social welfare has correlated to unsustainable development and createdself entitlement behaviours and attitudes in the South African low incomehousing market.  The phenomenon wasdemonstrable by empirical research whose findings confirmed an existence of anassociation between a fully subsidized social housing model (as underpinned bySouth Africa’s social welfare and propensity to default on mortgages.  The study found that the risk of default byhomeowners in the low income housing market in South Africa is influenced bygovernment’s housing grant model. In other words, the research established thatthe principle of servicing a mortgaged starter property (that is almost similarto a government free house by both structure and design is not universallyaccepted by homeowners of these mortgaged houses.  The unintended consequences are that thesystem has created indefinite expectations that potentially could; (i erodethe country’s balance sheet; (ii add to non-payment behaviour; (iii pressurizethe economic and credit systems; (iv propagate entitlement attitudes andmindsets; (v create social instability and (v widened the country’s balanceof payment deficits.

  20. Getting sick and falling behind: health and the risk of mortgage default and home foreclosure.

    Science.gov (United States)

    Houle, Jason N; Keene, Danya E

    2015-04-01

    An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  1. Asset Depletion, Chronic Financial Stress, and Mortgage Trouble Among Older Female Homeowners.

    Science.gov (United States)

    Castro Baker, Amy; West, Stacia; Wood, Anna

    2017-09-08

    The Great Recession disproportionately impacted older adults and women of color, suggesting that women may be entering retirement without adequate assets. However, the current literature lacks a detailed account of women's experiences of mortgage trouble and foreclosure, as well as a longitudinal view of how these experiences impacted their overall financial assets. Grounded in cumulative inequality theory, this mixed methods study employed a QUAL→quan approach to gather qualitative data from a sample of 21 older adult women regarding their experiences of mortgage trouble. Quantitative longitudinal data was gathered for a subsample of the Early Baby Boomer Cohort using the Health and Retirement Study. Qualitative findings indicated women approaching retirement experienced chronic underemployment, wage stagnation, and financial volatility as contributors to asset depletion and eventual mortgage default or foreclosure. Quantitative results indicated asset depletion both during and post-Recession was considerably more pronounced among older adult women of color compared to older adult White men. These findings suggest that a lifetime of financial disadvantage coupled with macroeconomic instability situates older adult women, particularly women of color, in a financially vulnerable position for retirement. The ways in which 2017 attacks on the Consumer Financial Protection Bureau, Dodd-Frank, and the Fiduciary rule carry potential to further destabilize this population are also discussed. © The Author 2017. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

  2. Agriculture applications

    International Nuclear Information System (INIS)

    Bastidas O, G.; Obando D, R.; Alvarez F, A.

    1989-01-01

    Since its beginnings, the Agricultural Area had a selected research team involved in the development of different agricultural techniques. Currently, there are two main branches engaged in the solution of agricultural problems: Soil fertility and induced mutations. Soil fertility: Within this branch, studies on soil nutrients and availability of water and light resources, have been made by using isotope methods. In the near future studies on nitrogen and potassium content in potato, rice and wheat plantations will be held. Induced mutations: The main objective of this team is to obtain through radioinduced mutations, as well as in vitro growth, improved rice and other cereal seeds to be used under hostile environmental conditions. The further goal will be to develop new genotypes straight from the mutants or by utilization of this material as breeding materials in interchange programs

  3. Agricultural sector

    International Nuclear Information System (INIS)

    Ainul Hayati Daud; Hazmimi Kasim

    2010-01-01

    The applications of nuclear technology in agriculture sector cover the use of the technology at every aspects of agricultural activity, starting from the seed to harvesting as well as the management of plantations itself. In this sector, a total of 55 entities comprising 17 public agencies and 38 private companies were selected for the study. Almost all, 91 % of them are located in Peninsular Malaysia; the rest operates in Sabah and Sarawak. The findings of the study in the public agencies and private companies are presented in the next sections. (author)

  4. Agricultural methanization

    International Nuclear Information System (INIS)

    2011-01-01

    After having briefly outlined the interest of the development of methanization of agricultural by-products in the context of struggle against climate change, and noticed that France is only now developing this sector as some other countries already did, this publication describes the methanization process also called anaerobic digestion, which produces a digestate and biogas. Advantages for the agriculture sector are outlined, as well as drawbacks and recommendations (required specific technical abilities, an attention to the use of energetic crops, an improved economic balance which still depends on public subsidies, competition in the field of waste processing). Actions undertaken by the ADEME are briefly evoked

  5. 78 FR 16189 - Transportation of Agricultural Commodities

    Science.gov (United States)

    2013-03-14

    ... DEPARTMENT OF TRANSPORTATION Federal Motor Carrier Safety Administration 49 CFR Parts 382, 383, 390, 391, 395, 396 [Docket No. FMCSA-2012-0378] RIN 2126-AB58 Transportation of Agricultural...: FMCSA promulgates the regulatory exemptions for the ``transportation of agricultural commodities and...

  6. Internet Use for Agricultural Knowledge Generation and ...

    African Journals Online (AJOL)

    This study examined the internet use for agricultural knowledge generation and dissemination among researchers and lecturers in Federal College of Freshwater Fisheries Technology, National Institute of Freshwater Fisheries Research and Federal College of Wildlife Management in Niger State, Nigeria. Primary data ...

  7. A large-dimensional factor analysis of the Federal Reserve's large-scale asset purchases

    DEFF Research Database (Denmark)

    Bork, Lasse

    This paper assesses the economy-wide effects of US unconventional monetary policy shocks. A precise identification of the unconventional monetary policy shocks is achieved by imposing zero and sign restrictions on a number of impulse responses from a large-dimensional dynamic factor model....... In particular, an unconventional expansionary monetary policy shock is identified as a shock that increases the Federal Reserve's market share of US treasuries and mortgage-backed securities, and leads to an improvement in the real economy and improved credit conditions. I find that an unconventional monetary...... securities by the Federal Reserve Bank avoided a severe downturn according to estimates from a counterfactual analysis....

  8. PingFederate

    Data.gov (United States)

    US Agency for International Development — PingFederate Server provides Identity Federation and Single Sign On Capabilities. Federated identity management (or identity federation) enables enterprises to...

  9. Creeping Federalization

    DEFF Research Database (Denmark)

    Sweeney, Richard J.

    2003-01-01

    that make taxharmonization difficult to impose. Other types of harmonization have a less clear-cut costbenefitanalysis. A federal commercial code that is uniform across member states reducestransaction and information costs, compared to leaving important code issues to memberstates; further, many states may...

  10. “There's a Difference—I Own This”: Negotiating Social and Financial Services under Threat of Mortgage Foreclosure.

    Science.gov (United States)

    Castro Baker, Amy; Keene, Danya E

    2016-10-01

    Although national housing markets have recovered from the Great Recession, communities hardest hit by the foreclosure crisis remain immersed in mortgage trouble. Nineteen percent of homeowners are underwater on their mortgages and communities of color are overrepresented among zip codes still experiencing default in rising numbers. The social services needs of homeowners at risk of foreclosure show few signs of abating. High levels of market risk, asymmetrical power relationships, and the assumption that rational action can protect homeowners mark the climate in which households and social workers operate while attempting to halt foreclosure. The research described in this article draws on in-depth interviews conducted with homeowners at risk of default to examine the strategies they used to alleviate their mortgage strain. These strategies included seeking aid from financial and social services institutions while living under threat of default. As homeowners experienced mortgage strain they engaged in recommended rational market actions such as negotiating with lenders, increasing work hours, practicing strict household budgeting, and seeking aid from social work agencies to offset mortgage costs. The gathered data suggest that some social workers responded with poorly contextualized treatment plans and language characterized by disrespect, shame, and blame; others responded with mental health assistance, referrals to legal aid, and a helping relationship characterized by a sense of mattering that seemed to buffer against the psychosocial stressors associated with foreclosure.

  11. "When you're in a crisis like that, you don't want people to know": mortgage strain, stigma, and mental health.

    Science.gov (United States)

    Keene, Danya E; Cowan, Sarah K; Baker, Amy Castro

    2015-05-01

    We analyzed experiences of stigmatization, concealment, and isolation among African American homeowners who were experiencing mortgage strain. We conducted semistructured interviews between March 2012 and May 2013 with 28 African American homeowners in a northeastern US city who were experiencing mortgage strain. We coded all of the transcripts and reviewed data for codes relating to stigma, sharing information, social support, social isolation, and the meaning of homeownership. Our data showed that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble, which often led to isolation. This stigmatization, concealment, and isolation seemed to contribute to participants' depression, anxiety, and emotional distress. Stigma may exacerbate stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.

  12. 26 CFR 1.6050H-1 - Information reporting of mortgage interest received in a trade or business from an individual.

    Science.gov (United States)

    2010-04-01

    ... of record. A payor of record on a mortgage is the person carried on the books and records of the interest recipient as the principal borrower on the mortgage. If the books and records of the interest... from the payor of record is secured by the payor of record's principal residence. An intention by the...

  13. Federal databases

    International Nuclear Information System (INIS)

    Welch, M.J.; Welles, B.W.

    1988-01-01

    Accident statistics on all modes of transportation are available as risk assessment analytical tools through several federal agencies. This paper reports on the examination of the accident databases by personal contact with the federal staff responsible for administration of the database programs. This activity, sponsored by the Department of Energy through Sandia National Laboratories, is an overview of the national accident data on highway, rail, air, and marine shipping. For each mode, the definition or reporting requirements of an accident are determined and the method of entering the accident data into the database is established. Availability of the database to others, ease of access, costs, and who to contact were prime questions to each of the database program managers. Additionally, how the agency uses the accident data was of major interest

  14. PROSPECTS OF MORTGAGE ARE IN UKRAINE IN THE CONTEXT OF REFORMATION OF THE TAXATION OF PROPERTY: ESTIMATION OF RISKS

    Directory of Open Access Journals (Sweden)

    L. Hudzynska

    2014-12-01

    Full Text Available This article explores the possible risks of taxation introduction of real estate owned by the people, for the system of bank mortgage lending in Ukraine. The current state of the mortgage market in Ukraine is reviewed. The influence of the Institute property taxation in general increase of the fiscal burden on citizens is investigated. A possible state in the contingents of households in terms of pay, including in the investment sphere is reviewed. Approaches of model property taxation, which is owned by citizens, are suggested. Proposed not to tax property (household used by a person as a primary residence. This approach is seen as prevention for loss of real estate that is used as the basis of residence by citizens, in case of loss of solvency over objective, independent reasons, and as a tool to ensure the proper fulfillment of obligations by mortgage according to real contracts.

  15. Russian Federation

    International Nuclear Information System (INIS)

    2001-01-01

    In the Russian Federation (RF), management of radioactive wastes will be carried out within the framework of the Federal Target Program for management of radioactive wastes and used nuclear materials for the period 1996-2005. The agency within the RF responsible for this program is the Ministry of Russian Federation on Atomic Energy. Current radioactive waste disposal activities are focused on creating regional repositories for wastes generated by radiochemical production, nuclear reactors, science centers, and from other sources outside of the nuclear-fuel cycle (the latter wastes are managed by Scientific and Industrial Association, 'RADON'). Wastes of these types are in temporary storage, with the exception of non-fuel cycle wastes which are in long term storage managed by SAI 'RADON'. The criteria for segregating between underground or near-surface disposal of radioactive waste are based on the radiation fields and radionuclide composition of the wastes. The most progress in creating regional repositories has been made in the Northwest region of Russia. However, development of a detailed design has begun for a test facility in the Northeast for disposal of radioactive wastes generated in Murmansk and Arkhangelsk provinces. The feasibility study for construction of this facility is being evaluated by state monitoring organizations, the heads of administrations of the Arkhangelsk and Murmansk provinces, and Minatom of Russia

  16. Pilot States Program report: Home energy ratings systems and energy-efficient mortgages

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.

    2000-04-04

    This report covers the accomplishments of the home energy ratings systems/energy-efficient mortgages (HERS/EEMs) pilot states from 1993 through 1998, including such indicators as funding, ratings and EEMs achieved, active raters, and training and marketing activities. A brief description of each HERS program's evolution is included, as well as their directors' views of the programs' future prospects. Finally, an analysis is provided of successful HERS program characteristics and factors that appear to contribute to HERS program success.

  17. AGRICULTURE AND AGRICULTURAL COOPERATIVES IN JAPAN - A MODEL FOR COOPERATIVIZATION OF AGRICULTURE FROM ROMANIA

    Directory of Open Access Journals (Sweden)

    Remus Gherman

    2016-10-01

    Full Text Available Japan's agriculture provides only a part from the population's needs, in caloric terms Japan must impute 60% of foods. Arable land are few, but are worked very performant, rice being the main crop together with cotton, citrus, sugarcane, wheat, potato, soybean, sugar beet, other vegetables. Widely is practiced sericulture and fisheries, Japan being one of the leading producers of silk from the world and having over 600 ports specialized for fishing. Japanese agriculture has remained behind the industry and services, this trend being manifested after the very high economic growth from 1960-1970. The main focus of the movements from the Japanese cooperative system is represented by the creation of large specialized farms through the replacing of the traditional ones. The most important task of agricultural cooperatives from Japan is meeting the consumption needs of its members. Integrated leadership of Japanese cooperatives of farmers act at all levels, primary, at prefecture level and at national level. Contractual relationships play a decisive role in the integration of Japanese farmers. In Japan there are about 840 agricultural cooperatives very well organized with a balanced planning and efficiently conducted, agricultural cooperative MIKABI being the most developed, mainly focused on the production of mandarins. In Japan there are three large distribution centers of agricultural products, 29 distribution markets controlled by the prefecture and 1,000 local markets. Organization of cooperatives is the pyramid system on three levels: local, prefecture and national (National Federation of Agricultural Cooperatives.

  18. Journal of Agricultural Extension Vol.17 (2) December, 2013 ISSN ...

    African Journals Online (AJOL)

    ONIKOYI

    Federal College of Education Technical, Bichi, Kano State ... promises the creation of over 3.5 million jobs to young people and women across the country .... adopted to give the youth a chance to air their views, share their experiences on agriculture .... Delta Central Agricultural Zone: Challenges to agricultural extension ...

  19. 7 CFR 3015.204 - Federal Register publications.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Federal Register publications. 3015.204 Section 3015.204 Agriculture Regulations of the Department of Agriculture (Continued) OFFICE OF THE CHIEF FINANCIAL... Register publications. (a) Program regulations. Most grant programs have program-specific regulations...

  20. Fundamental principles for obtaining agricultural produce of standard purity in those parts of the Russian Federation which were radioactively contaminated as a result of the Chernobyl accident, and the effectiveness of the measures being taken

    International Nuclear Information System (INIS)

    Ratnikov, A.N.; Aleksakhin, R.M.; Popova, G.I.; Zhigareva, T.L.; Vasil'ev, A.V.

    1997-01-01

    For the decrease in radionuclide content in agricultural products a complex of countermeasures in plant and animal production should be carried out. The results from the investigations performed indicate that quarantined obtaining of high quality plant products may be achieved by optimization of crop cultivation technology when qualitatively implementing all the agrotechnical operations and introducing the techniques facilitating the decrease of radionuclide transfer to plants. The use of agricultural ameliorants (vermiculite, bentonite), capable of non-exchanging radionuclide absorption in soils, reduces the 137 Cs accumulation in yield from 1,5 to 3 times. One of the most reevaluates economically inexpensive techniques on arable and forage lands under conditions of radioactive contamination is a selection of the most productive crop species and varieties showing the minimum radionuclide accumulation. Specific distinction in 137 Cs accumulation may reach from 2 to 45 times. Variety distinction are less and account for 2 to 5 times. The basis for obtaining plant products fully satisfactory for human consumption is a rational organization of feed stuffs, production, provision for animals of complete balanced diet with minimum radionuclide content, availability of high-productive animals

  1. Fiscal Federalism

    DEFF Research Database (Denmark)

    Feng, Xingyuan; Ljungwall, Christer; Guo, Sujian

    2013-01-01

    China's central–local relations have been marked by perpetual changes amidst economic restructuring. Fiscal decentralization on the expenditure side has been paralleled by centralization on the revenue side, accompanied by political centralization. Hence, our understanding of China's fiscal...... relations is not without controversy. This paper aims to make a theoretical contribution to the ongoing debate on ‘fiscal federalism’ by addressing crucial questions regarding China's central–local fiscal relations: first, to what extent do Chinese central–local fiscal relations conform to fiscal federalism...

  2. Housing policy and the granting of mortgage loans in the city of Cúcuta

    Directory of Open Access Journals (Sweden)

    Jhon Antuny Pabón-León

    2017-02-01

    Full Text Available This reflection article focuses on housing policy and the granting of mortgage loans in the city of Cúcuta from promulgation of housing policy. It is a descriptive study of quantitative approach, non-experimental, transectional supported in document review addressing three thematic areas: housing policies of the Government, the housing market and housing finance. The House today on day one of the problems that most affect society due among other factors to the growth of cities and next to it is tenure and housing needs. The crisis of housing in Colombia has been one of the most crippling economic problems in recent years and as a result new instruments are designed to provide effective access to housing and care for the potential beneficiaries. Thus arises the concern about what was the impact on the allocation of mortgage loans in the city of Cúcuta from promulgation of housing policy? It is concluded that although opinions differ on the effectiveness of housing policy clearly program presented a positive balance in the city of Cúcuta.

  3. ANALISIS FLUKTUASI DOLLAR AMERIKA SERIKAT TERHADAP RUPIAH DI SAAT DAN SETELAH KRISIS SUBPRIME MORTGAGE 2007 - 2013

    Directory of Open Access Journals (Sweden)

    Gustiyan Taufik Mahardika

    2015-10-01

    Full Text Available In a floating system, exchange rates fluctuate due to macroeconomic conditions that occur. Due to the uncertainty caused by economic shocks or financial crises such as subprime mortgage crisis, fluctuation analysis can be used to minimize the risks that arise in business that involve exchange rates such as export/import or hedge funds. This study aims to analyze the fluctuations in the exchange rate during and after the subprime mortgage crisis 2007 – 2013 in order to give a better understanding on the dynamics of the exchange rate. By analyzing the dynamics, individuals or companies that make the currency as a component in its business can then decide the right policy to implement. Analyses were performed using an error correction model (ECM for nominal (NER and real exchange rate (RER. The variables that are proven significant for NER are money supply (JUB, current account (CAB, economic growth (EGROW, and the nominal central bank rate (NBIRATE. The dummy crisis variable did not have a significant effect on the NER, while the CAB affect NER in the short run only, and EGROW affect NER in the long run only.DOI: 10.15408/sjie.v3i2.2060

  4. What matters 2010. Annual report of the Federal Environment Agency

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2010-04-27

    The annual report under consideration of the Federal Environment Agency (Dessau-Rosslau, Federal Republic of Germany) reports on the following themes: (1) Future mobility - Today's best investment; (2) Environmental protection - A barrier to investment for agriculture ?; (3) Emissions trading - The engine of climate policy ?; (4) The Federal Environment Agency (Departmental research, credo, organisation, data and facts, publications).

  5. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Science.gov (United States)

    2010-01-01

    ... Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions (a... loan cost rate for various transactions, as well as instructions, explanations, and examples for.... (2) Term of the transaction. For purposes of total annual loan cost disclosures, the term of a...

  6. Transposition of the Mortgage Credit Directive into Hungarian and Czech law – The Problem of Credit Intermediaries

    Czech Academy of Sciences Publication Activity Database

    Simon, Rita

    2017-01-01

    Roč. 6, č. 3 (2017), s. 106-112 ISSN 2364-4710 Institutional support: RVO:68378122 Keywords : mortgage credit directive * consumer protection * credit intermediaries Subject RIV: AG - Legal Sciences OBOR OECD: Law https://www.kluwerlawonline.com/abstract.php?area=Journals&id=EuCML2017025

  7. 78 FR 35429 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-06-12

    ... other evidence of repayment ability.\\3\\ \\2\\ Inside Mortg. Fin., The 2011 Mortgage Market Statistical..., refinancing became more difficult and delinquency rates on subprime and Alt-A products increased dramatically... peaked at 2.5 percent in late 2007.\\5\\ As the economy worsened, the rates of serious delinquency (90 or...

  8. 78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-07-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  9. 75 FR 41510 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-07-16

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  10. 78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-01-22

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  11. 75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-02-02

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  12. 77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-01-27

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...

  13. 76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-01-24

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  14. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-08-04

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  15. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-07-20

    ... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...

  16. 78 FR 6407 - Ability-to-Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z)

    Science.gov (United States)

    2013-01-30

    ..., and child support; (7) the monthly debt-to-income ratio or residual income; and (8) credit history... concerns were heightened as mortgage delinquencies and foreclosure rates increased dramatically, caused in... to repay.\\6\\ Subprime products were sold primarily to consumers with poor or no credit history...

  17. From Tulip Bulbs to Sub-Prime Mortgages Examining the Sub-Prime Crisis: The Case for a Systemic Approach

    Science.gov (United States)

    Stephens, Alan A.; Atwater, J. Brian; Kannan, Vijay R.

    2013-01-01

    Purpose: The collapse of the sub-prime mortgage market parallels several earlier failures within the financial services sector, begging the question why the lessons of past failures were not learned. Throughout history from the tulip bulb crisis of the 1600s to the most recent economic crisis, decision-makers keep making the same mistakes. This…

  18. The World of Organic Agriculture - Statistics and Emerging Trends 2004

    OpenAIRE

    Willer, Helga; Yussefi, Minou

    2004-01-01

    In 1999, BioFach/Oekowelt GmbH commissioned Foundation Ecology & Agriculture SOEL to compile statistical data and general information on organic agriculture world-wide. Since then this study has been revised annually, and the newest figures are regularly presented at Biofach, which takes place in Nuremberg, Germany, every year. Since the 2003 edition the Research Institute of Organic Agriculture FiBL and the International Federation of Organic Agriculture Movements (IFOAM) have collaborated i...

  19. 12 CFR 614.4100 - Policies governing lending through Federal land bank associations.

    Science.gov (United States)

    2010-01-01

    ... lending through Federal land bank associations. (a) Farm Credit Banks and agricultural credit banks may delegate authority to make credit decisions to Federal land bank associations that demonstrate the ability... Farm Credit Bank and each agricultural credit bank lending through Federal land bank associations shall...

  20. Revisiting Stock Market Integration Pre-Post Subprime Mortgage Crisis: Insight From BRIC Countries

    Directory of Open Access Journals (Sweden)

    Chin-Hong Puah

    2015-07-01

    Full Text Available This study revisits the long-run relationships and short-run dynamic causal linkages among BRIC stock market, with the particular attention to the 2008 subprime mortgage crisis. Extending related empirical studies, comparative analyses of pre-crisis, and post-crisis periods were conducted to comprehensively evaluate how stock market integration was affected by financial crises. In general, after employing cointegration test and VAR test, the results reveal the increase of stock market integration in BRICs after the subprime crisis. The evidence also found that China stock market is the most influential among the BRICs, in which China stock market has the ability to Granger cause the other three BRICs member countries. An important implication of our findings is that the degree of integration among countries tends to change over time, especially around periods marked by financial crises.

  1. Agricultural Finance Statistics, 1960-83

    OpenAIRE

    Amols, George; Kaiser, Wilson

    1984-01-01

    This bulletin presents farm financial statistics, including outstanding farm 4ebt by State and lender and average interest rates for agricultural loans charged by selected lenders for 1960-83. Farm debt includes both real estate and nonrea1 estate debt. Lenders include Commodity Credit Corporation (CCC), Federal land banks, production credit associations, Federal intermediate credit banks, commercial banks, life insurance companies, Farmers Home Administration, and individuals and others.

  2. BIODYNAMIC AGRICULTURE - ECO-FRIENDLY AGRICULTURAL PRACTICE

    Directory of Open Access Journals (Sweden)

    Veselka Vlahova

    2015-06-01

    Full Text Available Biodynamic agriculture is undoubtedly the oldest organized agricultural movement in the world. It is considered as an organic agricultural farming approach and determined as the oldest organized alternative agricultural movement in the world. In 1924 Rudolf Steiner – an Austrian natural scientist and philosopher, carried out a series of eight lectures in Koberwitz, currently Kobierzyce- Poland, where he formulated his visions on changes in agriculture and revealed his spiritual and scientific concepts about the connection between nature and agriculture by determining the important role of agriculture for the future of humanity and thus he became known as “the father of anthroposophy”. The great ecological effect of the application of the biodynamic agriculture is expressed in soil preservation and preservation of the living organisms in the soil, as well as maintenance of the natural balance in the vegetable and animal kingdom.

  3. 76 FR 48797 - Notice of the Advisory Committee on Biotechnology and 21st Century Agriculture Meeting

    Science.gov (United States)

    2011-08-09

    ... DEPARTMENT OF AGRICULTURE Agricultural Research Service Notice of the Advisory Committee on Biotechnology and 21st Century Agriculture Meeting AGENCY: Office of the Under Secretary, Research, Education... the Federal Advisory Committee Act, 5 U.S.C. App., the United States Department of Agriculture...

  4. 77 FR 11064 - Notice of the Advisory Committee on Biotechnology and 21st Century Agriculture Meeting

    Science.gov (United States)

    2012-02-24

    ... DEPARTMENT OF AGRICULTURE Agricultural Research Service Notice of the Advisory Committee on Biotechnology and 21st Century Agriculture Meeting AGENCY: Office of the Under Secretary, Research, Education... with the Federal Advisory Committee Act, 5 U.S.C. App. 2, the United States Department of Agriculture...

  5. Urban Agriculture Guide

    NARCIS (Netherlands)

    Visser, A.J.; Jansma, J.E.; Dekking, A.J.G.; Klieverik, M.J.M.

    2007-01-01

    The Urban Agriculture Guide describes the experiences, learning moments, tips and tricks of those involved in the initiatives of urban agriculture and an indication is provided of what is required to develop urban agriculture further in the Netherlands

  6. Agricultural SWOT analysis and wisdom agriculture design of chengdu

    Science.gov (United States)

    Zhang, Qian; Chen, Xiangyu; Du, Shaoming; Yin, Guowei; Yu, Feng; Liu, Guicai; Gong, Jin; Han, Fujun

    2017-08-01

    According to the status of agricultural information, this paper analyzed the advantages, opportunities and challenges of developing wisdom agriculture in Chengdu. By analyzed the local characteristics of Chengdu agriculture, the construction program of Chengdu wisdom agriculture was designed, which was based on the existing agricultural informatization. The positioning and development theme of Chengdu agriculture is leisure agriculture, urban agriculture and quality agriculture.

  7. Miraculous financial engineering or toxic finance? The genesis of the U.S. subprime mortgage loans crisis and its consequences on the global financial markets and real economy

    OpenAIRE

    Ivo Pezzuto

    2012-01-01

    In the fall of 2008, the U.S. subprime mortgage loans defaults have turned into Wall Street’s biggest crisis since the Great Depression. As hundreds of billions in mortgage-related investments went bad, banks became suspicious of one another’s potential undisclosed credit losses and preferred to reduce their exposure in the interbank markets, thus causing interbank interest rates and credit default swaps increases, a liquidity shortage problem and a worsened credit crunch condition to consume...

  8. Improving Federal Response to Drought.

    Science.gov (United States)

    Wilhite, Donald A.; Rosenberg, Norman J.; Glantz, Michael H.

    1986-03-01

    Severe and widespread drought occurred over a large portion of the United States between 1974 and 1977. Impacts on agriculture and other industries, as well as local water supplies, were substantial. The federal government responded with forty assistance programs administered by sixteen federal agencies. Assistance was provided primarily in the form of loans and grants to people, businesses and governments experiencing hardship caused by drought. The total cost of the program is estimated at $7-8 billion.Federal response to the mid-1970s drought was largely untimely, ineffective and poorly coordinated. Four recommendations are offered that, if implemented, would improve future drought assessment and response efforts: 1) reliable and timely informational products and dissemination plans; 2) improved impact assessment techniques, especially in the agricultural sector, for use by government to identify periods of enhanced risk and to trigger assistance measures; 3) administratively centralized drought declaration procedures that are well publicized and consistently applied; and 4) standby assistance measures that encourage appropriate levels of risk management by producers and that are equitable, consistent and predictable. The development of a national drought plan that incorporates these four items is recommended. Atmospheric scientists have an important role to play in the collection and interpretation of near-real time weather data for use by government decision makers.

  9. Thoughts on Governance and Future Orientation of Agricultural ...

    African Journals Online (AJOL)

    Dr.fenta

    of competence through its publications and information system. ... At present, only the federal public research represented by EIAR, agricultural universities ... not encourage private sector to enter into technology multiplication and marketing. A.

  10. 7 CFR 3015.156 - Application for Federal assistance (short form).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Application for Federal assistance (short form). 3015... Application for Federal Assistance § 3015.156 Application for Federal assistance (short form). Governments shall use the Application for Federal Assistance (Short Form) form prescribed by Circular A-102 in...

  11. Geography of opportunity and residential mortgage foreclosure: A spatial analysis of a U.S. housing market

    Directory of Open Access Journals (Sweden)

    Yanmei LI

    2011-12-01

    Full Text Available South Florida has been among the top foreclosure markets in the United States, but little research has explored whether this market presents different dynamics compared to other metropolitan areas. This research chooses Broward County to explore whether socioeconomic characteristics and certain public policy instruments relate to subprime lending and mortgage foreclosure patterns. Results indicate areas bounded by linear highways and railroads have a concentration of low-income black population and subprime loans. The spatial distribution of subprime loans is mostly explained by a higher percentage of minority and/or Hispanic population in a neighborhood. Yet, racial minorities, instead of Hispanic origin, contributes mostly to the concentration of subprime loans. The spatial pattern of foreclosures is more complex, determined not only by subprime loans but also possibly other factors associated with the mortgage crisis. This suggests that disadvantaged neighborhoods are disproportionally lacking favorable opportunities due to institutional and sub- cultural forces shaping the geography of subprime and foreclosure.

  12. Agricultural information systems and communication networks: the ...

    African Journals Online (AJOL)

    The study examined the Agricultural Information and communication networks among poultry farmers in three (3) area councils of the Federal Capital Territory Abuja, Nigeria. Snow-ball sampling technique was adopted for the study, a total of One hundred and twenty-two (122) respondents were sampled for the study.

  13. Ronald Reagan's "New Federalism."

    Science.gov (United States)

    Parker, Joseph B.

    1982-01-01

    Describes how changes in federal fiscal policies affect the federal government's relationship to state and local government. Franklin D. Roosevelt's and Ronald Reagan's formulas for "New Federalism" are compared. (AM)

  14. 75 FR 34755 - Privacy Act; Proposed Alteration to Existing Systems of Records, Single Family Mortgage Asset...

    Science.gov (United States)

    2010-06-18

    ... increase in the number of records maintained by the system. These alterations do not impact the scope...-sponsored database that makes a federal debtor's delinquency and claim information available to federal...

  15. Vocational Agriculture Computer Handbook.

    Science.gov (United States)

    Kentucky State Dept. of Education, Frankfort.

    This document is a catalog of reviews of computer software suitable for use in vocational agriculture programs. The reviews were made by vocational agriculture teachers in Kentucky. The reviews cover software on the following topics: farm management, crop production, livestock production, horticulture, agricultural mechanics, general agriculture,…

  16. An Investigation into the Fundamental Drivers of Pricing of Residential Mortgage Products – A Risk Pricing Viewpoint

    Directory of Open Access Journals (Sweden)

    Harry M Karamujic

    2010-12-01

    Full Text Available Residential mortgage products (also known as home loans pricing has been long understood to be something of a ‘dark art’, requiring judgment and experience, rather than being an exact science. In the last decade, a lot has changed in this field and more and more lenders, primarily the larger lenders, are increasingly looking to make their pricing as exact as possible. Even so, inadequate pricing of residential mortgage products (in particular its substandard risk pricing has been seen as one of major causes of the global financial crisis (GFC and subsequent spectacular banking collapses. The underlying theme of the paper is to exhibit how contemporary lenders, in practice, price their residential mortgage products. While discussing elements of the pricing calculation particular attention was given to the exposition of how contemporary lenders price risks involved in providing home loans. Because of the importance of Basel capital accords to how financial institutions assess and quantify their risks, the paper provides an overview of Basel capital accords. The author envisages that the paper will (i help enhance comprehension of the underlying elements of the pricing calculation and the ways in which these elements relate to each other, (ii scrutinize how contemporary lenders identify and quantify risks and (iii improve consciousness of future changes in interest rates

  17. Gender in crop agriculture

    OpenAIRE

    Food and Agriculture Organization; The World Bank; IFAD

    2008-01-01

    Metadata only record This is a module in the "Gender in Agriculture Sourcebook" published by the World Bank, UN Food and Agriculture Organization, and International Fund for Agricultural Development. This module examines the role of gender in crop agriculture as an essential component of development and poverty reduction. Gender is an integral aspect of crop agriculture because women's roles in crop production and household subsistence, as well as their knowledge of complex production syst...

  18. 76 FR 29083 - Agriculture Priorities and Allocations System

    Science.gov (United States)

    2011-05-19

    ... Vol. 76 Thursday, No. 97 May 19, 2011 Part III Department of Agriculture Farm Service Agency 7 CFR Part 789 Agriculture Priorities and Allocations System; Proposed Rule #0;#0;Federal Register / Vol. 76 , No. 97 / Thursday, May 19, 2011 / Proposed Rules#0;#0; [[Page 29084

  19. Attitude Of Students Of Federal University Of Technology Owerri ...

    African Journals Online (AJOL)

    The paper analyzed the attitude of students of federal university of technology Owerri towards a career in Agriculture with a view to understanding the effect on future manpower needs for Nigeria Agricultural Development. Fifty final year student were randomly selected from the five departments in the school of Agric and ...

  20. 12 CFR 607.1 - Purpose and scope.

    Science.gov (United States)

    2010-01-01

    ...'s costs of supervising and examining the Federal Agricultural Mortgage Corporation (FAMC). The... annual administrative expenses and necessary reserves among Farm Credit System (System) institutions... examinations of non-System entities. ...

  1. Awareness and use of the Essential Electronic Agricultural Library ...

    African Journals Online (AJOL)

    The study investigated the extent of awareness and use of The Essential Electronic Agricultural Library (TEEAL) resources by faculty members of Federal University, Kashere and Federal College of Education (Technical) Gombe. A survey design was adopted for the study. The questionnaire was used as data collection ...

  2. 7 CFR 3016.26 - Non-Federal audit.

    Science.gov (United States)

    2010-01-01

    ... fiscal year, shall: (1) Determine whether State or local subgrantees have met the audit requirements of... 7 Agriculture 15 2010-01-01 2010-01-01 false Non-Federal audit. 3016.26 Section 3016.26... AND LOCAL GOVERNMENTS Post-Award Requirements Financial Administration § 3016.26 Non-Federal audit. (a...

  3. 7 CFR 501.14 - Non-Federal law enforcement.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Non-Federal law enforcement. 501.14 Section 501.14...-Federal law enforcement. Research Center special policemen may be deputized by State or local law... State or local law enforcement agency, the facilities or services of such State or local law enforcement...

  4. Forest landowners’ guide to the Federal income tax

    Science.gov (United States)

    John L. Greene; William C. Siegel; William L. Hoover; Mark Koontz

    2013-01-01

    This guide updates and supersedes Agriculture Handbook No. 718, Forest Landowners’ Guide to the Federal Income Tax, incorporating new tax legislation that was passed and administrative changes promulgated through September 30, 2012. It introduces tax planning and basic tax considerations and explains the Federal income tax as it pertains to timber and forest land,...

  5. 7 CFR 1710.126 - Federal debt delinquency.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Federal debt delinquency. 1710.126 Section 1710.126... and Basic Policies § 1710.126 Federal debt delinquency. (a) Prior to approval of a loan or advance of... reasons for the delinquency must be explained, and RUS will take such explanation into consideration in...

  6. Bank Valuation and Its Connections with the Subprime Mortgage Crisis and Basel II Capital Accord

    Directory of Open Access Journals (Sweden)

    C. H. Fouche

    2008-01-01

    Full Text Available The ongoing subprime mortgage crisis (SMC and implementation of Basel II Capital Accord regulation have resulted in issues related to bank valuation and profitability becoming more topical. Profit is a major indicator of financial crises for households, companies, and financial institutions. An SMC-related example of this is the U.S. bank, Wachovia Corp., which reported major losses in the first quarter of 2007 and eventually was bought by Citigroup in September 2008. A first objective of this paper is to value a bank subject to Basel II based on premiums for market, credit, and operational risk. In this case, we investigate the discrete-time dynamics of banking assets, capital, and profit when loan losses and macroeconomic conditions are explicitly considered. These models enable us to formulate an optimal bank valuation problem subject to cash flow, loan demand, financing, and balance sheet constraints. The main achievement of this paper is bank value maximization via optimal choices of loan rate and supply which leads to maximal deposits, provisions for deposit withdrawals, and bank profitability. The aforementioned loan rates and capital provide connections with the SMC. Finally, OECD data confirms that loan loss provisioning and profitability are strongly correlated with the business cycle.

  7. Can Jane Get a Mortgage Loan? Depends on When and Where

    Directory of Open Access Journals (Sweden)

    Alexis Antoniades

    2017-04-01

    Full Text Available By analyzing data from 102 million mortgage loan applications in the US between 2004–2012 (about 90% of all applications across 3,141 counties and 8,000 financial institutions, we investigate whether applicants’ gender matters in the bank's lending decision. We find evidence that female applicants face a higher rejection rate than males, holding all else constant. Similar results are obtained for Hispanic applicants compared to non-Hispanics, and minorities compared to non-minorities. Moreover, we document that this discrimination is pro-cyclical (i.e. peaks in recessions and that it varies substantially across states. Most importantly, we show that non-economic factors help explain the variation in discrimination across states while economic factors do not. Specifically, we find that gender discrimination in lending is higher in states with (i high level of conservatism, (ii low support for gay rights, and (iii low female representation in the state legislature (JEL E32, G21, J16.

  8. ANALYZING CONTAGION FROM THE U.S. SUBPRIME MORTGAGE-BACKED SECURITIES MARKET

    Directory of Open Access Journals (Sweden)

    Lisa Sheenan

    2017-12-01

    Full Text Available This paper analyzes contagion from the U.S. subprime mortgage-backed securities market, represented by the ABX.HE indices, to several fixed income, equity and volatility markets in line with seminal literature on the subject. We analyze ‘spliced’ data set constructed in line with the literature, along with two traded ABX.HE indexes. A VAR framework is employed, firstly to extend existing analysis to include 2009, and then to analyze two traded indexes. In order to test the sensitivity of these results ABX returns are then included as an eighth endogenous variable in the VAR. Principal component analysis is employed to reduce the dimensionality of the data. The main principal component obtained is then included as an exogenous variable in the VAR framework and the sensitivity of these results is tested by including this principal component as an eighth endogenous variable. The results indicate evidence of contagion from the ABX indexes during the crisis of 2007-2009 but the source and intensity of this contagion varies across indexes. This highlights the differences across the three ABX data sets analyzed and suggests that splicing the ABX index may impact the results obtained. It also provides evidence that the traded ABX indexes are heterogeneous assets with varying sensitivities to risk factors during the crisis.

  9. Federated Identity Management

    OpenAIRE

    Chadwick, David W.

    2009-01-01

    Abstract. This paper addresses the topic of federated identity management. It discusses in detail the following topics: what is digital identity, what is identity management, what is federated identity management, Kim Camerons 7 Laws of Identity, how can we protect the users privacy in a federated environment, levels of assurance, some past and present federated identity management systems, and some current research in FIM.

  10. Federal Student Loan Programs

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2014

    2014-01-01

    For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…

  11. Agricultural policy schemes

    DEFF Research Database (Denmark)

    Hansen, Henning Otte

    2016-01-01

    Agricultural support is a very important element in agricultural policy in many countries. Agricultural support is basically an instrument to meet the overall objectives of the agricultural policy – objectives set by society. There are a great number of instruments and ways of intervention...... in agricultural policy and they have different functions and impacts. Market price support and deficiency payments are two very important instruments in agricultural policy; however, they belong to two different support regimes or support systems. Market price support operates in the so-called high price system...

  12. Agricultural Bioterrorism: A Federal Strategy to Meet the Threat

    Science.gov (United States)

    2002-01-01

    10,000—the price of a beer fermenter, a protein-based culture, a gas mask, and a plastic lab coat.30 Compounding the problem of ease of...deliberate food contamination by terrorists. In 1996, FSIS implemented the Hazard Analysis and Critical Control Point ( HACCP ) regulatory system. This...America. FSIS is expanding the HACCP program by undertaking a comprehensive farm- to-table approach to improve product safety at each step in the

  13. Agriculture: Land Use

    Science.gov (United States)

    Land Use and agriculture. Information about land use restrictions and incentive programs.Agricultural operations sometimes involve activities regulated by laws designed to protect water supplies, threatened or endangered plants and animals, or wetlands.

  14. Agricultural Health and Safety

    Science.gov (United States)

    ... that occur while living, working, or visiting agricultural work environments (primarily farms) are considered agricultural injuries, whether or ... of Labor's Occupational Safety & Health Administration (OSHA) supports safe and healthful working conditions by setting and enforcing standards and by ...

  15. Innovations in urban agriculture

    NARCIS (Netherlands)

    Schans, van der J.W.; Renting, Henk; Veenhuizen, Van René

    2014-01-01

    This issuehighlights innovations in urban agriculture. Innovation and the various forms of innovations are of particular importance because urban agriculture is adapted to specific urban challenges and opportunities. Innovation is taking place continuously, exploring the multiple fundions of urban

  16. Agricultural Research Service

    Science.gov (United States)

    ... Menu United States Department of Agriculture Agricultural Research Service Research Research Home National Programs Research Projects Scientific Manuscripts International Programs Scientific Software/Models Databases and Datasets Office of Scientific Quality ...

  17. Agricultural science policy

    OpenAIRE

    Alston, Julian M.; Pardey, Philip G.; Taylor, Michael J.

    2001-01-01

    Technological advances developed through R&D have supplied the world with not only more food, but better food. This report looks at issues raised by this changing environment for agricultural productivity, agricultural R&D, and natural resource management.

  18. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs

    Science.gov (United States)

    2011-08-26

    ... marketing activities, and to farm-related businesses. The Farm Credit banks collectively issue debt... institutions. The four farm credit banks, one agricultural credit bank (hereinafter collectively referred to as the Farm Credit banks), and their direct lender associations (the Agricultural Credit Associations...

  19. Gender and agricultural markets

    OpenAIRE

    Food and Agriculture Organization; The World Bank; IFAD

    2008-01-01

    Metadata only record This is a module in the "Gender in Agriculture Sourcebook" published by the World Bank, UN Food and Agriculture Organization, and International Fund for Agricultural Development. This module examines the traditional division of labor within agricultural markets, where women farmers are primarily responsible for subsistence and household crop production while male farmers dominate the commercial sector. Challenging these gendered roles by increasing women farmers' acces...

  20. Division of Agriculture

    Science.gov (United States)

    Department of Natural Resources logo, color scheme Department of Natural Resources Division of Agriculture Search Search DNR's site DNR State of Alaska Toggle main menu visibility Agriculture Home Programs Asset Disposals Alaska Caps Progam Board of Agriculture & Conservation Farm To School Program Grants

  1. Gender in Agriculture Sourcebook

    OpenAIRE

    World Bank; Food and Agriculture Organization; International Fund for Agricultural Development

    2009-01-01

    Three out of every four poor people in developing countries live in rural areas, and most of them depend directly or indirectly on agriculture for their livelihoods. In many parts of the world, women are the main farmers or producers, but their roles remain largely unrecognized. The 2008 World development report: agriculture for development highlights the vital role of agriculture in susta...

  2. Nigeria Agricultural Journal: Submissions

    African Journals Online (AJOL)

    Author Guidelines. NATURE OF PAPERS. Papers should be of agricultural interest and include: full reports of original research not previously elsewhere, research notes which consist of brief or new findings; techniques and equipment of importance to agricultural workers; evaluations of problems and trends in agricultural ...

  3. Biotechnology and Agriculture.

    Science.gov (United States)

    Kenney, Martin

    Even at this early date in the application of biotechnology to agriculture, it is clear that agriculture may provide the largest market for new or less expensive biotechnologically manufactured products. The chemical and pharmaceutical industries that hold important positions in agricultural inputs are consolidating their positions by purchasing…

  4. Journal of Agricultural Extension http://dx.doi.org/10.4314/jae.v18i2 ...

    African Journals Online (AJOL)

    PROF. MADUKWE

    Dept. of Agricultural Economics and Extension Technology,. Federal ..... demonstration will go along well to equip farmers with production and management skills. 3. ... Elements of Agricultural Extension Administration: Bounty. Press Ltd.

  5. 19 CFR 12.16 - Joint regulations of the Secretary of the Treasury and the Secretary of Agriculture.

    Science.gov (United States)

    2010-04-01

    ... and the Secretary of Agriculture. 12.16 Section 12.16 Customs Duties U.S. CUSTOMS AND BORDER... of Agriculture. (a) The importation into the United States of agricultural and vegetable seeds and... and the Secretary of Agriculture under section 402(b) of the Federal Seed Act of August 9, 1939 (7 CFR...

  6. 78 FR 23885 - Federal Seed Act Program; Request for Extension and Revision of a Currently Approved Information...

    Science.gov (United States)

    2013-04-23

    ... DEPARTMENT OF AGRICULTURE Agricultural Marketing Service [Doc. No. AMS-LS-13-0008] Federal Seed...: Agricultural Marketing Service, USDA. ACTION: Request for comments. SUMMARY: In accordance with the Paperwork Reduction Act of 1995 (44 U.S.C. Chapter 35), this document announces the Agricultural Marketing Service's...

  7. AGRICULTURAL POLICIES AND COMPETITION IN WORLD AGRICULTURE

    Directory of Open Access Journals (Sweden)

    Raluca Duma

    2011-04-01

    Full Text Available Agricultural policies have had a guiding role inagriculture development and implicitly in their marketing. Usually they belongto each state and government and are issued in accordance with their specificclimate, social-economic and cultural background which includes food andgastronomic traditions. Agricultural policies have in view home and foreignmarket demand, as well as the socio-demographic, political and military contextat a certain point in the socio-economic development

  8. 78 FR 67385 - 60-Day Notice of Proposed Information Collection: Application for Mortgage Insurance for...

    Science.gov (United States)

    2013-11-12

    ... access this number through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. FOR...-free Federal Relay Service at (800) 877-8339. Copies of available documents submitted to OMB may be... forms of information technology, e.g., permitting electronic submission of responses. HUD encourages...

  9. 78 FR 75364 - 60-Day Notice of Proposed Information Collection: Application for FHA Insured Mortgages

    Science.gov (United States)

    2013-12-11

    ... through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. FOR FURTHER INFORMATION... through TTY by calling the toll-free Federal Relay Service at (800) 877-8339. Copies of available... techniques or other forms of information technology, e.g., permitting electronic submission of responses. HUD...

  10. 7. Food and agriculture

    International Nuclear Information System (INIS)

    Livernash, R.

    1992-01-01

    Global food production has increased substantially over the past two decades, but factors such as population pressures and environmental degradation are undermining agriculture's current condition and future prospects. This chapter discusses the following: global trends; production trends (livestock and fisheries); per capita production trends (population density and agriculture); environmental trends (soil degradation, inputs of fertilizers, pesticides, and freshwater); economic trends (agricultural commodity prices, declining investment in irrigation, World Bank lending); trade liberalization and the Gatt negotiations; conventional agriculture and alternative agriculture; problems with the conventional model (on-farm impacts, off-farm impacts); agricultural policies - creating a new environment; policy impacts - distorted price structures; new policy options (reducing input subsidies, land conservation programs, management agreements, taxes, fees, and tax incentives, strengthening regulations, subsidizing conversion); the economics of alternative agriculture

  11. Effectiveness of Interest Rate Policy of the Fed in Management of Subprime Mortgage Crisis

    Directory of Open Access Journals (Sweden)

    Samet Gunay

    2018-02-01

    Full Text Available The federal funds rate is one of the most important monetary policy instruments of Federal Reserve Bank of America. In this study, we analyze the effectiveness of Fed interest rate policy on different markets in the period between 1976 and 2016 through Markov regime-switching regression analysis. Results indicate that Federal funds’ rate affects labor and housing markets with a few months’ lag. However, the influence of Federal funds rate on inflation rate is quite limited. It is most probable that Fed employs alternative monetary instruments to regulate inflation. The most interesting results are obtained in the domain of personal savings. The interaction of personal savings and Federal funds rate is significant during both expansion and recession regimes.

  12. Journal of Agriculture and Social Research (JASR) Vol. 11, No. 2 ...

    African Journals Online (AJOL)

    fadaa

    Department of Agricultural Extension & Rural Development, University of Ilorin. 2 ... important staple food of many households, rice production in Nigeria rose from 2.4 million ... attributed to low resource productivity (Federal Ministry of Agriculture, 1995). ... (NACRDB) to carter for credit needs in the agricultural sector.

  13. On the strong solution of a class of partial differential equations that arise in the pricing of mortgage backed securities

    KAUST Repository

    Parshad, Rana; Bayazit, Derviş; Barlow, Nathaniel S.; Prasad, V. Ramchandra

    2011-01-01

    We consider a reduced form pricing model for mortgage backed securities, formulated as a non-linear partial differential equation. We prove that the model possesses a weak solution. We then show that under additional regularity assumptions on the initial data, we also have a mild solution. This mild solution is shown to be a strong solution via further regularity arguments. We also numerically solve the reduced model via a Fourier spectral method. Lastly, we compare our numerical solution to real market data. We observe interestingly that the reduced model captures a number of recent market trends in this data, that have escaped previous models.

  14. Federal Fleet Report

    Data.gov (United States)

    General Services Administration — Annual report of Federal agencies' motor vehicle fleet data collected in the Federal Automotive Statistical Tool (FAST), a web-based reporting tool cosponsored by...

  15. Federal Register in XML

    Data.gov (United States)

    National Archives and Records Administration — The Federal Register is the official daily publication for rules, proposed rules, and notices of Federal agencies and organizations, as well as executive orders and...

  16. 7 CFR Appendix to Subpart A of... - List of Federal Financial Assistance From USDA

    Science.gov (United States)

    2010-01-01

    ... Food Security Act of 1985 (7 U.S.C. 1281 et seq.). 7. Human Nutrition 7 CFR 3015.205(b); Department of... 7 Agriculture 1 2010-01-01 2010-01-01 false List of Federal Financial Assistance From USDA Appendix to Subpart A of Part 15 Agriculture Office of the Secretary of Agriculture NONDISCRIMINATION...

  17. Institutional capacity for designing and implementing agricultural and rural development policies and strategies in Nigeria:

    OpenAIRE

    Adebayo, Kolawole; Babu, Suresh Chandra; Rhoe, Valerie

    2009-01-01

    This study assessed the capacity for designing and implementing agricultural and rural development policies, strategies, and programs in Nigeria. Data for this study were derived from initial consultations at the Federal Ministry of Agriculture and Water Resources (FMAWR), Federal Ministry of Women affairs and Social Development (FMWASD), and the Federal Ministry of Environment (FMEnv) early in 2008. Two consultation workshops were also held, one for relevant staff in the ministries, parastat...

  18. FOOD SECURITY PROBLEMS OF THE RUSSIAN FEDERATION

    Directory of Open Access Journals (Sweden)

    Natalia Polyanskaya

    2015-09-01

    Full Text Available The article describes the concepts and factors of food security and food sovereignty of the Russian Federation. The composition of the consumer basket, the most significant of its components, and based on threshold values of self-sufficiency is calculated in the dynamics of the prevalence of food independence. The groups of products, which are in the country to be at a level below the thresholds, regulated by the food security doctrine of the Russian Federation. Identified the possible General trend of development of agricultural production in the country.

  19. ACHP | Unified Federal Review

    Science.gov (United States)

    Search skip specific nav links Home arrow Unified Federal Review Three logos: 1) Executive Office of the Homeland Security. Unified Federal Environmental and Historic Preservation Review Process Please visit the new location for the Unified Federal Review located here: http://www.fema.gov/environmental-historic

  20. Framing Canadian federalism

    National Research Council Canada - National Science Library

    Saywell, John; Anastakis, Dimitry; Bryden, Penny E

    2009-01-01

    ... the pervasive effects that federalism has on Canadian politics, economics, culture, and history, and provide a detailed framework in which to understand contemporary federalism. Written in honour of John T. Saywell's half-century of accomplished and influential scholarly work and teaching, Framing Canadian Federalism is a timely and fitting t...

  1. 7 CFR Appendix A to Subpart B of... - Model Form of Mortgage for Electric Distribution Borrowers

    Science.gov (United States)

    2010-01-01

    ..., regulators, meters, transformers, generators (including, but not limited to, engine-driven generators and... Department of Agriculture, Washington, DC 20250-1500 and as to any other person, firm, corporation or...

  2. 7 CFR 4285.93 - Other Federal statutes and regulations that apply.

    Science.gov (United States)

    2010-01-01

    ...—National Agricultural, Research, Extension, and Teaching Policy Act Amendments of 1981 if the project involves a college or university; (e) 7 CFR Part 3015—USDA Uniform Federal Assistance Regulations... Federal-State Research on Cooperatives Program § 4285.93 Other Federal statutes and regulations that apply...

  3. Agriculture and environmental pollution

    International Nuclear Information System (INIS)

    Iqbal, M.M.; Idris, M.; Shah, S.M.

    1997-01-01

    Agriculture is a profession which is open both to natural conditions and intense human activity. This has brought it in direct interface with the environment. The activities related to agriculture can have favorable as well as unfavorable influence on environment. Pressure of burgeoning population in demanding increased production from agriculture to feed and clothe the teeming millions. This has resulted in excessive use of soil, fertilizers and pesticides. The paper describes the effect of these productive resources on environment and human health. (author)

  4. Long range dependency and forecasting of housing price index and mortgage market rate: evidence of subprime crisis

    Directory of Open Access Journals (Sweden)

    Nadhem Selmi

    2015-05-01

    Full Text Available In this paper, we examine and forecast the House Price Index (HPI and mortgage market rate in terms of the description of the subprime crisis. We use a semi-parametric local polynomial Whittle estimator proposed by Shimotsu et al. (2005 [Shimotsu, K., & Phillips, P.C.B. (2005, Exact local Whittle estimation of fractional integration. The Annals of Statistics, 33(4, 1890-1933.] in a long memory parameter time series. Empirical investigation of HPI and mortgage market rate shows that these variables are more persistent when the d estimates are found on the Shimotsu method than on the one of Künsch (1987 [Künsch, H.R. (1987. Statistical aspects of self-similar processes. In Y. Prokhorov and V.V. Sazanov (eds., Proceedings of the First World Congress of the Bernoulli Society, VNU Science Press, Utrecht, 67-74.]. The estimating forecast values are more realistic and they strongly reflect the present US economy actuality in the two series as indicated by the forecast evaluation topics.

  5. Local Authority Residential Mortgage Credit: A Source of Non-Market Sub-Prime Homeloans for Low-Income households

    Directory of Open Access Journals (Sweden)

    Dermot Coates

    2008-01-01

    Full Text Available As the volume of mortgage credit has risen in tandem with house price inflation, the sub-prime homeloan sector of this market has begun to expand in order to meet demand from those not serviced by the mainstream financial service providers. This article examines the role of local authorities in providing residential mortgages and assesses whether those who have traditionally borrowed from non-market (or public sector lenders would be considered to be sub-prime borrowers by the private sector. It concludes that, in view of the relatively low average incomes of this cohort of borrowers, they represent a higher probability of homeloan default and as a consequence, would be subject to a higher cost of credit in the private sector. However, this paper highlights the favourable terms offered by local authorities and argues that their failure to price according to the risk profile of borrowers exposes the Exchequer to higher – and often unquantified – costs in pursuit of promoting home-ownership.

  6. Malawi - Conservation Agriculture

    Data.gov (United States)

    Millennium Challenge Corporation — The randomized control trial impact evaluation tests different strategies for communicating information about agricultural technologies to smallholder maize farmers...

  7. Energy in agriculture

    Energy Technology Data Exchange (ETDEWEB)

    Le Roux, E J

    1980-02-01

    Agriculture is an important component of Canadian energy policy. There are many opportunities for both the production of energy from agricultural processes and the conservation of energy in agricultural production. These opportunities, as well as current practices and research in progress, are outlined in this report. Energy sources in agriculture include biomass (straw and other residues), methane production from manure, and oil and alcohol from crops. Alternate energy sources such as solar and wind power conserve conventional resources, and additional conservation opportunities exist in the use of greenhouses, waste heat and energy-efficient farming processes. Research programs and possible trends are outlined. 10 figs., 3 tabs.

  8. Agriculture - reconciling ancient tensions

    Directory of Open Access Journals (Sweden)

    David Atkinson

    2002-09-01

    Full Text Available Decision-making in agriculture has tended to be driven by factors other than environmental concerns. This may be changing, and perhaps the emphases of the two creation accounts in Genesis (responsible management or 'dominion', and active care may become more important. The paper examines a number of current developments in agriculture (synthetic fertilizers and pesticides, genetic manipulation, and organic versus industrial methodologies and discusses the issues they raise for agricultural productivity and the human communities dependent on farming. The questions raised are complex; we are faced with establishing a new paradigm for agricultural practice.

  9. Agriculture. Pt. 2

    International Nuclear Information System (INIS)

    1994-01-01

    The climatic effects of agriculture and nutritional habits of the West German population are investigated. Changes in solar UV-B radiation and methods of measuring them are described. The climatic relevance of ecological and conventional agricultural techniques are compared. The agricultural policy of the European Communities is presented and discussed. The climatic effects of the totality of agricultural production techniques and processing stages of the food industry, as well as of transport and trade, are analyzed. Sociological investigations are made of the nutritional habits of the population, and the consequences for the global climate are compared. (SR) [de

  10. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

    Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.

  11. The agricultural policy of Serbia and common agricultural policy

    Directory of Open Access Journals (Sweden)

    Stanković Milica

    2012-01-01

    Full Text Available The agricultural sector has a relatively high importance in the economic structure of Serbia. The Common Agricultural Policy (CAP, Common Agricultural Policy is one of the main policies of the European Union. It is very important to point out the fundamental principles and objectives of the Common Agricultural Policy. Harmonization of the national agricultural policy of Serbia with the Common Agricultural Policy and acceptance of its mechanisms is crucial for the development of the agricultural sector as a whole.

  12. Clustering of agricultural enterprises

    Directory of Open Access Journals (Sweden)

    Michaela Beranová

    2013-01-01

    Full Text Available Agricultural business is a very specific branch which is characterized by very low financial performance while this characteristic is given mainly by external factors as market pricing of agricultural commodities on one side, and production costs of agricultural commodities on the other side. This way, agricultural enterprises recognize negative values of gross margin in the Profit and Loss Statement but positive value of operating profit after even there are items of costs which are deducted. These results are derived from agricultural production subsidies which are recognized as income in the P/L Statement. In connection with this fact, the government subsidies are a substantial component of financial performance of agricultural enterprises.Primary research proceeded on the statistical sample of one hundred agricultural companies, has shown that also other specifics influencing financial performance of these businesses exist here. In order to determine the influences, the cluster analysis has been applied at using more than 10 variables. This approach has led to construction of clusters (groups of agricultural business entities with different characteristics of the group. The objective of this paper is to identify the main determinants of financial performance of agricultural enterprises and to determine their influences under different economic characteristics of these business entities. For this purpose, the regression analysis has been subsequently applied on the groups of companies coming out from the cluster analysis. Besides the operating profit which is the main driving force of financial performance measured with the economic value added (EVA in agricultural enterprises, also capital structure and cost of capital have been observed as very strong influences on financial performance but these factors have different directions of their influence on the economic value added under different financial characteristics of agricultural

  13. Vocational Agriculture Education: Agricultural Livestock Skills.

    Science.gov (United States)

    Pierce, Greg

    Ten units of instruction are provided in this curriculum guide on agricultural livestock skills. Unit topics are as follow: (1) restraining, (2) vaccination, (3) livestock castration, (4) dehorning, (5) docking, (6) growth stimulants, (7) identification, (8) shearing, (9) hoof trimming, and (10) birth assistance. Each instructional unit generally…

  14. 26 CFR 1.6050H-1T - Information reporting of mortgage interest received in a trade or business from individuals after...

    Science.gov (United States)

    2010-04-01

    ... commercial loan because the proceeds were used to finance the payor's trade or business, the obligation is... is a mortgage shall be made without regard to the interest recipient's classification of that... classifies the obligation as a commercial loan because the proceeds are to be used to finance the payor's...

  15. 2008 Emlak Krizinin İller Bazında Etkileri(The Effects of 2008 Subprime Mortgage Crisis On The Cities

    Directory of Open Access Journals (Sweden)

    Burhan KABADAYI

    2013-12-01

    Full Text Available The aim of the study is to examine the effects of 2008 Mortgage Crisis started at USA on the cities of Turkey. The effects of the crisis were analyzed by current bank credit per capita and external trade structure. As a consequence, relatively less developed cities were affected by crisis less than developed cities of Turkey.

  16. Journal of Agricultural Extension

    African Journals Online (AJOL)

    Scope of journal The Journal of Agricultural Extension" is devoted to the advancement of knowledge of agricultural extension services and practice through the publication of original and empirically based research, ... Vol 22, No 1 (2018) ... Symbol recognition and interpretation of HIV/AIDS pictorial messages among rural ...

  17. Sustainable Agriculture: Cover Cropping

    Science.gov (United States)

    Webster, Megan

    2018-01-01

    Sustainable agriculture practices are increasingly being used by farmers to maintain soil quality, increase biodiversity, and promote production of food that is environmentally safe. There are several types of sustainable agriculture practices such as organic farming, crop rotation, and aquaculture. This lesson plan focuses on the sustainable…

  18. The Urban Agriculture Circle

    NARCIS (Netherlands)

    Jansma, J.E.; Chambers, Joe; Sabas, Eva; Veen, E.J.

    2015-01-01

    The lack of inclusion of urban agriculture in city planning directly affects the success of initiatives in this sector, which subsequently could impede fu-ture innovations. The poor representation of urban agriculture in planning can be attributed to a lack of understanding about its

  19. Theme: Urban Agriculture.

    Science.gov (United States)

    Ellibee, Margaret; And Others

    1990-01-01

    On the theme of secondary agricultural education in urban areas, this issue includes articles on opportunities, future directions, and implications for the profession; creative supervised experiences for horticulture students; floral marketing, multicultural education; and cultural diversity in urban agricultural education. (JOW)

  20. AGRICULTURE IN THE CITY

    International Development Research Centre (IDRC) Digital Library (Canada)

    The target audience of this book, then, is not only researchers and high-level ...... given the current higher availability of food traded in agricultural markets and in ... recyclable materials as containers for the organic matter and agricultural soil ...

  1. Conservation Agriculture in Europe

    Directory of Open Access Journals (Sweden)

    Á. Kertész

    2014-03-01

    Yield performance and stability, operating costs, environmental policies and programs of the Common Agricultural Policy (CAP, and climate change will likely be the major driving forces defining the direction and for the extension of CA in Europe. The role of agriculture in climate change mitigation in the EU is discussed in the paper.

  2. Agriculture. Pt. 1

    International Nuclear Information System (INIS)

    1994-01-01

    The study investigates the impact of agriculture on the earth's atmosphere. It describes the natural carbon cycle, the socioeconomic factors that influence it, and the climate effects. The climatic relevance of gaseous sulphur and nitrogen compounds, methane and other hydrocarbons, and ammonia emissions from biological and agricultural process is discussed. (SR) [de

  3. Glossary on agricultural landscapes.

    NARCIS (Netherlands)

    Kruse, A.; Centeri, C.; Renes, J.; Roth, M.; Printsman, A.; Palang, H.; Benito Jorda, M.-D.; Verlarde, M.D.; Kruckenberg, H.

    2010-01-01

    T he following glossary of terms related to the European agricultural landscape shall serve as a common basis for all parties, working in or on agricultural landscapes. Some of the terms are quite common and sometimes used in our every day language, but they often have different meanings in

  4. Agriculture and food processing

    International Nuclear Information System (INIS)

    Muhammad Lebai Juri

    2003-01-01

    This chapter discuss the application of nuclear technology in agriculture sector. Nuclear Technology has help agriculture and food processing to develop tremendously. Two techniques widely use in both clusters are ionization radiation and radioisotopes. Among techniques for ionizing radiation are plant mutation breeding, SIT and food preservation. Meanwhile radioisotopes use as a tracer for animal research, plant soil relations water sedimentology

  5. Radiation technology in agriculture

    International Nuclear Information System (INIS)

    D'Souza, S.F.

    2013-01-01

    The Department of Atomic Energy through its research, development and deployment activities in nuclear science and technology, has been contributing towards enhancing the production of agricultural commodities and their preservation. Radiations and radioisotopes are used in agricultural research to induce genetic variability in crop plants to develop improved varieties, to manage insect pests, monitor fate and persistence of pesticides, to study fertilizer use efficiency and plant micronutrient uptake and also to preserve agricultural produce. Use of radiation and radioisotopes in agriculture which is often referred to as nuclear agriculture is one of the important fields of peaceful applications of atomic energy for societal benefit and BARC has contributed significantly in this area. 41 new crop varieties developed at BARC have been released and Gazette notified by the MoA, GOI for commercial cultivation and are popular among the farming community and grown through out the country

  6. Sustainable Agricultural Marketing Initiatives

    Directory of Open Access Journals (Sweden)

    Hakan Adanacıoğlu

    2015-07-01

    Full Text Available Sustainable marketing is a holistic approach that puts equal emphasis on environmental, social equity, and economic concerns in the development of marketing strategies. The purpose of the study is to examine and discuss the sustainable agricultural marketing initiatives practiced throughout the World and Turkey, and to put forth suggestions to further improve the performance of agricultural marketing initiatives in Turkey. Some of the sustainable agricultural marketing initiatives practiced around the world are carried out through civil organizations. Furthermore; some of these initiatives have also launched by farmers, consumers, food processors and retailers. The long-term strategies to increase these initiatives should be determined due to the fact that examples of successful sustainable agricultural marketing initiatives are inadequate and cannot be spread in Turkey. In this context, first of all, the supports provided by the government to improve agricultural marketing systems, such as EU funds for rural development should be compatible with the goals of sustainable marketing. For this purpose, it should be examined whether all proposed projects related to agricultural marketing meet the social, economic, and environmental principles of sustainable marketing. It is important that supporting organizations, especially civil society organisations, should take an active role for faster dissemination and adoption of sustainable agricultural marketing practices in Turkey. These organizations may provide technical assistance in preparing successful project proposals and training to farm groups. In addition, the other organizations, such as local administrations, producers' associations, cooperatives, can contribute to the success of sustainable agricultural marketing initiatives. The use of direct marketing strategies and vertical integration attempts in sustainable agricultural marketing initiatives that will likely be implemented in Turkey is

  7. Federal environmental inspections handbook

    International Nuclear Information System (INIS)

    1991-10-01

    This Federal Environmental Inspection Handbook has been prepared by the Department of Energy (DOE), Office of Environmental Guidance, RCRA/CERCLA Division (EH-231). It is designed to provide DOE personnel with an easily accessible compilation of the environmental inspection requirements under Federal environmental statutes which may impact DOE operations and activities. DOE personnel are reminded that this Handbook is intended to be used in concert with, and not as a substitute for, the Code of Federal Regulations (CFR). Federal Register (FR), and other applicable regulatory documents

  8. Teaching about American Federal Democracy.

    Science.gov (United States)

    Schechter, Stephen L., Ed.

    Ten essays discuss federal democracy, the form of government of the United States. The first essay discusses the origins of American federalism. The second examines why we have a federal system, the functions federalism serves, and the consequences of federalism for the American political system. Federalism in the Constitution and constitutional…

  9. China Report, Agriculture 1982 Agricultural Yearbook

    Science.gov (United States)

    1984-08-09

    Bureau Notice on Launching a Patriotic Enlightenment Campaign in Cherishing Trees, Flowers , and Grass (10 March 1981) 395 Ministry of Forestry and...Agriculture (a) Place (h) Pineapple S (b) Total Frui .t (i) Red Dates (c) Including (j) Persimmon S...agreement systems are manifested in the following major ways: 1. Marked increase in outputs. Whenever they have acted strictly in accor- dance with

  10. Agriculture. Sector 4

    International Nuclear Information System (INIS)

    1994-01-01

    In Lebanon, emissions of greenhouse gases from agricultural activities occur through the following processes: -enteric fermentation and manure management of the domestic livestock emits methane and nitrous oxide. -agricultural burning of crop residues is of minor importance since field burning of crop residue is not a common practice in Lebanon -agricultural soils are a source of nitrous oxide directly from the soils and from animal production, and indirectly from the nitrogen added to the soils. The following results were obtained for the inventory year 1994: 7.60955 Gg of methane, 3.01478 Gg of nitrous oxide, 0.00146 Gg of nitrogen oxides and 0.04306 Gg of carbon monoxide

  11. Dimensions of Modern Federalism.

    Science.gov (United States)

    Williams, Robert F.; And Others

    1995-01-01

    Encapsulates a series of brief essays exploring different aspects of modern federalism. Issues include further protection of individual rights extended through state constitutions and federalism and the world economy. Authors include Robert F. Williams, Earl H. Fry, and Daniel J. Elazar. (MJP)

  12. 76 FR 53931 - Consolidated Redelegation of Authority for the Government National Mortgage Association

    Science.gov (United States)

    2011-08-30

    ..., HUD. ACTION: Notice of Delegation of Authority. SUMMARY: In this notice, the President of GNMA retains... Executive Vice President and other subordinate employees. DATES: Effective Date: August 19, 2011. FOR... published in the Federal Register, the Secretary issued a consolidated delegation of authority to the...

  13. 78 FR 16702 - Notice of Proposed Information Collection: Comment Request FHA-Insured Mortgage Loan Servicing...

    Science.gov (United States)

    2013-03-18

    ... 7th Street SW., L'Enfant Plaza Building, Room 9120, Washington, DC 20410 or the number for the Federal... Relationships and Special Initiatives Division, Office of Asset Management, Department of Housing and Urban... is intended to ensure that HUD Program Participants maintain HUD properties in a condition that is...

  14. Servicemembers Civil Relief Act: Information on Mortgage Protections and Related Education Efforts

    Science.gov (United States)

    2014-01-01

    activities; legal assistance attorneys provide counseling; and a number of outreach media , such as publications and websites, are aimed at informing...to servicemembers. DOD and the Consumer Federation of America also conduct the Military Saves Campaign every year, a social marketing campaign to...theft, and insurance scams targeted at servicemembers and their families. DOD established its financial education partnerships by signing memorandums

  15. 12 CFR 225.122 - Bank holding company ownership of mortgage companies.

    Science.gov (United States)

    2010-01-01

    ... counseling” and “advertising, public relations, developing new business, organization, operations, preparing tax returns, and personnel”. The legislative history further indicates that some other activities also... the 1958 Federal Reserve Bulletin at page 431 (12 CFR 225.104), the legislative history of the...

  16. 77 FR 49007 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-08-15

    ... appropriately. The decision to increase MIP is not being made due to technical or actuarial defects of the... overall federal budget for unspecified spending sets a ``precedent for poor public policy making and has a... [within the industry] as to HUD's true rational for this notice. The commenters also submitted a report...

  17. The utilisation of the product life cycle concept in South African banks dealing with mortgage products and markets

    Directory of Open Access Journals (Sweden)

    F. J. Herbst

    2005-12-01

    Full Text Available The purpose of the study as demarcated in this article was to test the use of the product life cycle concept (PLC theory among marketing decision-makers and product decision-makers dealing with mortgage products and markets in the leading South African Banks. The main focus was to test the application and likelihood to use the PLC assumptions provided by Kotler (2003:340 on marketing characteristics, described marketing objectives and the proposed marketing strategies in the four PLC phases. A major finding was that the majority of these decision-makers in banks indicated a high likelihood of continuing to use the product life cycle concept. Another important conclusion of this study was that further empirical research is needed to develop product life cycle concept assumptions to be inclusive of the intangible nature linked to the marketing of services.

  18. Agricultural Minerals Operations

    Data.gov (United States)

    Department of Homeland Security — This map layer includes agricultural minerals operations in the United States. The data represent commodities covered by the Minerals Information Team (MIT) of the...

  19. Agricultural diversification into tourism

    DEFF Research Database (Denmark)

    Hjalager, Anne Mette

    1996-01-01

    Based on the empirical evidence provided by an evaluation study of the EU Objective 5b programme measures* for the expansion of rural tourism, this article discusses the impact of rural tourism on agricultural holdings. It is shown that the financial returns most often do not measure up either...... to the expectations of the politicians or to that of the farmers. In some respects rural tourism contributes positively to the innovation of the tourist product since its small scale, 'green' issues and special facilities differentiate the product from others. But the unleashing of real potential is hampered...... by the fact that farmers tend to give priority to traditional agriculture and by the fact that industrialized agriculture is not easily combined with the commodifying of agricultural traditions for tourism. The community level inter-organizational innovations which are designed to ensure the marketing...

  20. Agriculture: Nurseries and Greenhouses

    Science.gov (United States)

    Nurseries and Greenhouses. Information about environmental requirements specifically relating to the production of many types of agricultural crops grown in nurseries and greenhouses, such as ornamental plants and specialty fruits and vegetables.

  1. Agricultural Education and OSHA

    Science.gov (United States)

    Brown, Ronald A.

    1974-01-01

    Agriculture teachers should be interested in and become familiar with the implications of the Williams-Steiger Occupational Safety and Health Act of 1970 for their own benefit, for their students, and for their students' future employers. (AG)

  2. Radioactive contamination and agriculture

    International Nuclear Information System (INIS)

    1988-04-01

    Some guidelines are presented for the Belgian agriculture to realise three vital objectives in case of a nuclear accident : protection of food quality and public health, radiation protection for farmers and keeping the production apparatus intact. (H.E.)

  3. Agricultural Producer Certificates

    Data.gov (United States)

    Montgomery County of Maryland — A Certified Agricultural Producer, or representative thereof, is an individual who wishes to sell regionally-grown products in the public right-of-way. A Certified...

  4. Agricultural science and ethics

    DEFF Research Database (Denmark)

    Gjerris, Mickey; Vaarst, Mette

    2014-01-01

    Humans live in constant interaction with nature. That is part and parcel of being a biological creature on this planet. On one hand, humans exploit the available resources to survive, and at the same time, humans are deeply dependent on the continued capacity of nature to sustain their lives......, about 20 % of the world's coral reefs and 35 % of the mangrove areas were lost (Millennium Ecosystem Assessment 2005). In the following, the development of agricultural science will be sketched out and the role of ethics in agricultural science will be discussed. Then different views of nature that have...... shaped agriculture and the role of science in agriculture will be discussed by analyzing some of the presumptions behind the concept of ecosystem services and the way animals are viewed. Finally, the concepts of animal welfare and sustainability will be explored to show how they make vivid the connection...

  5. Nigeria Agricultural Journal

    African Journals Online (AJOL)

    Nigerian Agricultural Journal. ... Influence of differently processed mango seed kernel meal on performance response of west African dwarf goats fed spear grass based ... Borrowing behaviour among oil palm processors in Idemili North Local ...

  6. Agricultural Drainage Well Intakes

    Data.gov (United States)

    Iowa State University GIS Support and Research Facility — Locations of surface intakes for registered agriculture drainage wells according to the database maintained by IDALS. Surface intakes were located from their...

  7. Future trends in agricultural engineering.

    NARCIS (Netherlands)

    Jongebreur, A.A.; Speelman, L.

    1997-01-01

    Beside traditional mechanical engineering, other engineering branches such as electronics, control engineering and physics play their specific role within the agricultural engineering field. Agricultural engineering has affected and stimulated major changes in agriculture. In the last decades

  8. Global Journal of Agricultural Sciences

    African Journals Online (AJOL)

    Journal Homepage Image. Global Journal of Agricultural Sciences is aimed at promoting research in all areas of Agricultural Sciences including Animal Production, Fisheries, Agronomy, Processing and Agricultural Mechanization. Related ...

  9. World competitiveness and agriculture

    Directory of Open Access Journals (Sweden)

    J. van Zyl

    1997-07-01

    Full Text Available Against the background of a changing environment in which market factors and greater world trade and competitiveness are increasingly becoming the only criteria for success, a framework for the analysis of world competitiveness is initially developed. This is followed by a discussion on the growth of productivity in agriculture, as well as an exposition of the role of agricultural research. Thirdly, price factors and the terms of trade are discussed, followed by a summary of policy implications.

  10. Agriculture and private sector

    DEFF Research Database (Denmark)

    Sahin, Sila; Prowse, Martin Philip; Weigh, Nadia

    and this looks set to remain for the next two decades at least. The agriculture and growth evidence paper series has been developed to cover a range of issues that are of most relevance to DFID staff. The paper is not intended to be a comprehensive overview of all issues relating to agriculture and the private...... sector. It concentrates on those areas that are of particular focus for DFID policy and strategy....

  11. Radiation and agriculture

    International Nuclear Information System (INIS)

    Yamashita, Atsushi

    1982-01-01

    Radiation utilization in agriculture, forestry and marine product industry was reviewed. Agricultural examples were breeding with gamma rays and resultant plant breeding, and improvement of productivity and acquisition of resistance to disease were also explained. In relation to disinfestation, male sterilization of the melon fly was described. An example of utilization for the marine product industry was survey of salmon migration by the radioactivate analysis of Europium. (Chiba, N.)

  12. Federalism, Agenda Setting, and the Dynamics of Federal Education Policy.

    Science.gov (United States)

    Manna, Paul

    This paper is part of a larger project on agenda setting in the U.S. federal system and the development of the federal education agenda since 1965. Two questions motivate the paper, one theoretical and the other empirical: (1) how does federalism affect the federal agenda?; and (2) what explains the development of federal involvement in K-12…

  13. Biosurfactants in agriculture.

    Science.gov (United States)

    Sachdev, Dhara P; Cameotra, Swaranjit S

    2013-02-01

    Agricultural productivity to meet growing demands of human population is a matter of great concern for all countries. Use of green compounds to achieve the sustainable agriculture is the present necessity. This review highlights the enormous use of harsh surfactants in agricultural soil and agrochemical industries. Biosurfactants which are reported to be produced by bacteria, yeasts, and fungi can serve as green surfactants. Biosurfactants are considered to be less toxic and eco-friendly and thus several types of biosurfactants have the potential to be commercially produced for extensive applications in pharmaceutical, cosmetics, and food industries. The biosurfactants synthesized by environmental isolates also has promising role in the agricultural industry. Many rhizosphere and plant associated microbes produce biosurfactant; these biomolecules play vital role in motility, signaling, and biofilm formation, indicating that biosurfactant governs plant-microbe interaction. In agriculture, biosurfactants can be used for plant pathogen elimination and for increasing the bioavailability of nutrient for beneficial plant associated microbes. Biosurfactants can widely be applied for improving the agricultural soil quality by soil remediation. These biomolecules can replace the harsh surfactant presently being used in million dollar pesticide industries. Thus, exploring biosurfactants from environmental isolates for investigating their potential role in plant growth promotion and other related agricultural applications warrants details research. Conventional methods are followed for screening the microbial population for production of biosurfactant. However, molecular methods are fewer in reaching biosurfactants from diverse microbial population and there is need to explore novel biosurfactant from uncultured microbes in soil biosphere by using advanced methodologies like functional metagenomics.

  14. Agricultural experts’ attitude towards precision agriculture: Evidence from Guilan Agricultural Organization, Northern Iran

    OpenAIRE

    Mohammad Sadegh Allahyari; Masoumeh Mohammadzadeh; Stefanos A. Nastis

    2016-01-01

    Identifying factors that influence the attitudes of agricultural experts regarding precision agriculture plays an important role in developing, promoting and establishing precision agriculture. The aim of this study was to identify factors affecting the attitudes of agricultural experts regarding the implementation of precision agriculture. A descriptive research design was employed as the research method. A research-made questionnaire was used to examine the agricultural experts’ attitude to...

  15. Journal of Agriculture and Social Research (JASR) Vol. 16, No. 2 ...

    African Journals Online (AJOL)

    Dr. O. M. Adesope

    Department of Agricultural Economics, Federal University of Technology, Owerri. 2. Department of ... levels of the small scale food crop farmers. Keywords: Savings .... collected from literatures such as textbooks, Journals, research reports etc.

  16. "Our federalism" moves indoors.

    Science.gov (United States)

    Ruger, Theodore W

    2013-04-01

    A great deal of the US Supreme Court's federalism jurisprudence over the past two decades has focused on the outer limits of federal power, suggesting a mutually exclusive division of jurisdiction between the states and the federal government, where subjects are regulated by one sovereign or the other but not both. This is not an accurate picture of American governance as it has operated over the past half century - most important areas of American life are regulated concurrently by both the federal government and the states. The Supreme Court's June 2012 decision clearing the way for the Patient Protection and Affordable Care Act (PPACA) to move forward thus should not be regarded as an affront to state sovereignty but as a realistic embrace of state power in its active, modern form. The PPACA is infused with multiple major roles for the states, and as the statute goes into operation over the next few years, states retain, and are already exercising, substantial policy discretion.

  17. Federalism and multilevel governance

    NARCIS (Netherlands)

    van der Wusten, H.; Agnew, J.; Mamadouh, V.; Secor, A.J.; Sharp, J.

    2015-01-01

    Federalism and multilevel governance both emphasize polycentricity in governing arrangements. With their different intellectual pedigrees, these concepts are discussed in two separate sections. Fragments are now increasingly mixed up in hybrid forms of governance that also encompass originally

  18. Federal Medication Terminologies

    Science.gov (United States)

    Federal Medication (FedMed) collaboration of 8 partner agencies agreed on a set of standard, comprehensive, freely and easily accessible FMT terminologies to improve the exchange and public availability of medication information.

  19. ACA Federal Upper Limits

    Data.gov (United States)

    U.S. Department of Health & Human Services — Affordable Care Act Federal Upper Limits (FUL) based on the weighted average of the most recently reported monthly average manufacturer price (AMP) for...

  20. Federal Ballpark Estimator

    Data.gov (United States)

    Office of Personnel Management — The Federal Ballpark E$timate(R) was developed by the Employee Benefit Research Institute(R) and its American Savings Education Council(R) (ASEC(R)) program. It is...

  1. New Mexico Federal Lands

    Data.gov (United States)

    Earth Data Analysis Center, University of New Mexico — This map layer consists of federally owned or administered lands of the United States, Puerto Rico, and the U.S. Virgin Islands. Only areas of 640 acres or more are...

  2. Federal Reserve System Semiannual Regulatory Agenda

    Science.gov (United States)

    2010-04-26

    .... DATES: Comments about the form or content of the agenda may be submitted any time during the next 6... prohibit certain payments to mortgage brokers and loan officers that are based on the loan's terms and... compensation received. New rules regarding eligibility restrictions and disclosures for credit insurance and...

  3. Integrated vs. Federated Search

    DEFF Research Database (Denmark)

    Løvschall, Kasper

    2009-01-01

    Oplæg om forskelle og ligheder mellem integrated og federated search i bibliotekskontekst. Holdt ved temadag om "Integrated Search - samsøgning i alle kilder" på Danmarks Biblioteksskole den 22. januar 2009.......Oplæg om forskelle og ligheder mellem integrated og federated search i bibliotekskontekst. Holdt ved temadag om "Integrated Search - samsøgning i alle kilder" på Danmarks Biblioteksskole den 22. januar 2009....

  4. Information Asymmetry in Federations

    Directory of Open Access Journals (Sweden)

    Alexander Mikhailovich Libman

    2014-12-01

    Full Text Available The paper investigates the problems of information transmission between levels of government in a federal state. The central government in a federation typically faces serious difficulties while collecting information on economic and political situation in the regions. There are two types of problems: lack of incentives for the regions to accurately collect information and strategic manipulation of information, which are discussed in the paper along with possible solutions. In particular, overcoming information asymmetry would require the development of national parties or informal coalitions of bureaucrats and politicians of the center and of the regions, creating incentives for regional politicians to back the successful functioning of the federal level. Furthermore, the paper discusses the issue of «informal decentralization», which emerges as a result of information asymmetry, and its consequences for the functioning of a federal state, including both advantages and disadvantages. We conclude that under information asymmetry the organization of the federation will inevitably turn into an issue of permanent negotiations and bargaining between the center and the regions, which functions as the information acquisition tool for optimal allocation of authorities in a federation

  5. The cultivated agricultural environment

    International Nuclear Information System (INIS)

    Eriksson, Aa.

    1997-01-01

    Local agricultural practices in the Nordic countries have resulted in a great diversity in agriculture in the Nordic countries. The diversities mean that in the event of contamination of agricultural land by radioactive fallout the consequences may differ greatly from region to region. For crops and soils contaminated directly by radioactive fallout there are five primary causes for concern, namely: 1. short-term internal contamination of man and animals through ingestion of surface-contaminated mature crops; 2. internal contamination of crops through foliar intake; 3. contamination of mature crops from resuspended soil; 4. direct irradiation of agricultural workers; 5. internal irradiation from inhalation of resuspended soil particulates. In the short-term, most of the radionuclides likely to be released to the atmosphere in the event of an accident have a potential to cause problems in agriculture and many have the potential for causing long-term problems. Generally, the magnitude of the problems created will depend on the: deposition mechanism (wet or dry); radionuclide composition of the fallout; type of farming system (i.e. arable or dairy); type of soil (for instance organic soils are more sensitive than mineral soils with respect to radiocaesium); state of development of the crop which in turn is determined by the season of the year. (EG)

  6. The cultivated agricultural environment

    Energy Technology Data Exchange (ETDEWEB)

    Eriksson, Aa [Swedish Univ. of Agricultural Sciences, Dept. of Radioecology (Sweden)

    1997-10-01

    Local agricultural practices in the Nordic countries have resulted in a great diversity in agriculture in the Nordic countries. The diversities mean that in the event of contamination of agricultural land by radioactive fallout the consequences may differ greatly from region to region. For crops and soils contaminated directly by radioactive fallout there are five primary causes for concern, namely: 1. short-term internal contamination of man and animals through ingestion of surface-contaminated mature crops; 2. internal contamination of crops through foliar intake; 3. contamination of mature crops from resuspended soil; 4. direct irradiation of agricultural workers; 5. internal irradiation from inhalation of resuspended soil particulates. In the short-term, most of the radionuclides likely to be released to the atmosphere in the event of an accident have a potential to cause problems in agriculture and many have the potential for causing long-term problems. Generally, the magnitude of the problems created will depend on the: deposition mechanism (wet or dry); radionuclide composition of the fallout; type of farming system (i.e. arable or dairy); type of soil (for instance organic soils are more sensitive than mineral soils with respect to radiocaesium); state of development of the crop which in turn is determined by the season of the year. (EG). 56 refs.

  7. Data mining in agriculture

    CERN Document Server

    Mucherino, Antonio; Pardalos, Panos M

    2009-01-01

    Data Mining in Agriculture represents a comprehensive effort to provide graduate students and researchers with an analytical text on data mining techniques applied to agriculture and environmental related fields. This book presents both theoretical and practical insights with a focus on presenting the context of each data mining technique rather intuitively with ample concrete examples represented graphically and with algorithms written in MATLAB®. Examples and exercises with solutions are provided at the end of each chapter to facilitate the comprehension of the material. For each data mining technique described in the book variants and improvements of the basic algorithm are also given. Also by P.J. Papajorgji and P.M. Pardalos: Advances in Modeling Agricultural Systems, 'Springer Optimization and its Applications' vol. 25, ©2009.

  8. Measuring Agricultural Bias

    DEFF Research Database (Denmark)

    Jensen, Henning Tarp; Robinson, Sherman; Tarp, Finn

    The measurement issue is the key issue in the literature on trade policy-induced agri-cultural price incentive bias. This paper introduces a general equilibrium effective rate of protection (GE-ERP) measure, which extends and generalizes earlier partial equilibrium nominal protection measures...... shares and intersectoral linkages - are crucial for determining the sign and magnitude of trade policy bias. The GE-ERP measure is therefore uniquely suited to capture the full impact of trade policies on agricultural price incentives. A Monte Carlo procedure confirms that the results are robust....... For the 15 sample countries, the results indicate that the agricultural price incentive bias, which was generally perceived to exist during the 1980s, was largely eliminated during the 1990s. The results also demonstrate that general equilibrium effects and country-specific characteristics - including trade...

  9. IRM in the Federal Government: Opinions and Reflections.

    Science.gov (United States)

    Haney, Glenn P.

    1989-01-01

    Evaluates various aspects of federal information resources management and reviews technological changes within the Department of Agriculture to illustrate current issues and future trends in information resources management. Topics discussed include telecommunications and networking; distributed processing and field office automation; the role of…

  10. Identification of land areas suitable for Fadama farming at Federal ...

    African Journals Online (AJOL)

    Fadama farming provides a platform for sustained crop cultivation during dry season. This research was directed towards identifying new land areas within the Federal University of Agriculture with the use of Geographical Information System (GIS). The few existing Fadama sites within the study area were searched and their ...

  11. Forest Landowners' Guide to the Federal Income Tax

    Science.gov (United States)

    Harry L. Haney; William L. Hoover; William C. Siegel; John L. Greene

    2001-01-01

    This publication is the latest in a series of income tax handbooks for nonindustrial private forest owners that extends back over 45 years. It represents a major revision of Agriculture Handbook No. 708, Forest Owners' Guide to the Federal Income Tax. It updates that publication to include tax legislation passed after 1994 and administrative changes promulgated...

  12. 29 CFR 501.7 - Cooperation with Federal officials.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Cooperation with Federal officials. 501.7 Section 501.7 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS ENFORCEMENT OF CONTRACTUAL OBLIGATIONS FOR TEMPORARY ALIEN AGRICULTURAL WORKERS ADMITTED UNDER SECTION 218 OF...

  13. Urban Agriculture Program Planning Guide.

    Science.gov (United States)

    Hemp, Paul E.; Ethridge, Jim

    Urban agriculture may be defined as those areas of agriculture that are practiced in metropolitan settings, plus knowledge and skills in agricultural subject areas which lead to vocational proficiency and improved quality of life or effective citizenship. Agriculture areas that are especially significant in urban settings include ornamental…

  14. Agricultural transportation fuels

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    The recommendations on the title subject are focused on the question whether advantages and disadvantages of agricultural fuels compared to fossil fuels justify the Dutch policy promotion of the use of agricultural products as basic materials for agricultural fuels. Attention is paid to energetic, environmental and economical aspects of both fuel types. Four options to apply agricultural transportation fuels are discussed: (1) 10% bio-ethanol in euro-unleaded gasoline for engines of passenger cars, equipped with a three-way catalyst; (2) the substitution of 15% methyl tertiair butyl ether (MTBE) by ethyl tertiair butyl ether (ETBE) as a substituent for lead in unleaded super plus gasoline (Sp 98) for engines of passenger cars, equipped with a three-way catalyst; (3) 50% KME (rapeseed oil ester) in low-sulfur diesel (0.05%S D) for engines of vans without a catalyst; and (4) the substitution of 0.05% S D by bio-ethanol or KME for buses with fuel-adjusted engines, equipped with a catalyst. Also the substitution by liquefied petroleum gas (LPG), compressed natural gas (CNG) or E 95 was investigated in option four. Each of the options investigated can contribute to a reduction of the use of fossil energy and the environmental effects of the use of fossil fuels, although some environmental effects from agricultural fuels must be taken into consideration. It is recommended to seriously pay attention to the promotion of agricultural fuels, not only in the Netherlands, but also in an international context. Policy instruments to be used in the stimulation of the use of such fuels are the existing European Community subsidies on fallow lands, exemption of the European Community energy levy, and the use of tax differentiation. Large-scale demonstration projects must be started to quantify hazardous emissions and to solve still existing technical problems. 8 figs., 3 tabs., refs., 4 appendices

  15. Transgenesis, agriculture and environment

    International Nuclear Information System (INIS)

    Leon Sicard, Tomas

    2004-01-01

    Starting from the reference point of view given by the environmental theory, we discuses the green revolution agriculture model in their main cultural and ecosystem aspects and, starting from there, the transgenic pattern is analyzed. This paper emphasizes in the new relationships derived from the farmers' dependence in connection with the transnational companies, in the right of the consumers to choose their foods and in the possible environmental effects of these technologies. Finally this work shows the incompatibility between the ecological agriculture and the transgenic plants, and some routes of culture rupture that are propitiated by these technologies

  16. Agricultural futures as becoming

    DEFF Research Database (Denmark)

    Kristensen, Dan Kristian; Kjeldsen, Chris

    This paper explores how the unfolding of an alternative future for agriculture consists of struggles to assemble a heterogeneous network of natural relations and social relations and technological relations. The site of this exploration is a profiled project, where a zero emission and landless...... agricultural facility is envisioned to consist of a pig production facility with a greenhouse for growing tomatoes on top. The novelty of this projects and its claim for sustainability lies in combining these two productions and utilizing synergies between them as well as employing an innovative technological...

  17. Isotopes in tropical agriculture

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1962-04-15

    Ways in which the use of radioisotopes and radiation can help to improve the agriculture of tropical Africa were discussed by a panel of experts. The panel included scientists from Africa, Europe, and the United States, most of whom had had actual experience dealing with agricultural problems in various parts of tropical Africa. The experts agreed that radioisotopes and radiation might now be employed to particular advantage in tropical Africa to improve crop nutrition and combat insect pests. Other applications discussed were in the fields of hydrology, plant breeding and food preservation

  18. Isotopes in tropical agriculture

    International Nuclear Information System (INIS)

    1962-01-01

    Ways in which the use of radioisotopes and radiation can help to improve the agriculture of tropical Africa were discussed by a panel of experts. The panel included scientists from Africa, Europe, and the United States, most of whom had had actual experience dealing with agricultural problems in various parts of tropical Africa. The experts agreed that radioisotopes and radiation might now be employed to particular advantage in tropical Africa to improve crop nutrition and combat insect pests. Other applications discussed were in the fields of hydrology, plant breeding and food preservation

  19. Soil physics and agriculture

    International Nuclear Information System (INIS)

    Dourado Neto, Durval; Reichardt, K.; Sparovek, G.

    2004-01-01

    The approach that integrates knowledge is very important in Agriculture, including farmers, extensionists, researchers and professors. The specialists, including the soil physicists, must have a global view of the crop production system. Therefore, their expertise can be useful for the society. The Essence of scientific knowledge is its practical application. The soil physics is a sub area of Agronomy. There are many examples of this specific subject related to Agriculture. This paper will focus, in general, the following cases: (i) erosion, environmental pollution and human health, (ii) plant population and distribution, soil fertility, evapo-transpiration and soil water flux density, and (iii) productivity, effective root depth, water deficit and yield

  20. Agricultural risk management

    DEFF Research Database (Denmark)

    Lund, Mogens; Oksen, Arne; Larsen, Torben U.

    2005-01-01

    A new model for risk management in agriculture is described in the paper. The risk model is constructed as a context dependent process, which includes four main phases. The model is aimed at agricultural advisors, who wish to facilitate and disseminate risk management to farmers. It is developed...... and tested by an action research approach in an attempt to make risk management more applicable on family farms. Our obtained experiences indicate that farmers don’t apply probabilistic thinking and other concepts according to formal decision theory....

  1. Site-specific cultivation systems for energy plants. Results of the joint project ''Development and comparison of optimized cultivation systems for the agricultural production of energy plants at different site-specific conditions in the Federal Republic of Germany, EVA I''. 3. rev. and enl. ed.; Standortangepasste Anbausysteme fuer Energiepflanzen. Ergebnisse des Verbundprojektes ''Entwicklung und Vergleich von optimierten Anbausystemen fuer die landwirtschaftliche Produktion von Energiepflanzen unter den verschiedenen Standortbedingungen Deutschlands, EVA I''

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2010-03-15

    With respect to the estimations of the Agency for Renewable Ressources (Guelzow, Federal Republic of Germany), nearly 2 millions ha of the area of arable land in Germany were used for the production of renewable raw materials in the last years. The production of vegetable energy sources only was limited on few cultural species. This led to criticism by organisations of nature protection and environmental protection. The joint project 'Development and comparison of optimized cultivation system for the agricultural production of energy plants at different site specific conditions in the Federal Republic of Germany' was one of the most extensive national agrarian research projects of the past years. This joint project offers practice-relevant knowledge to efficient and sustainable cultivation systems of energy plants. The brochure under consideration reports on the results of the first project phase of this joint project.

  2. Agricultural Technology, Risk, and Gender

    DEFF Research Database (Denmark)

    Arndt, Channing; Tarp, Finn

    2000-01-01

    Interactions between agricultural technology improvements, risk-reducing behavior, and gender roles in agricultural production in Mozambique are examined. The analysis employs a computable general equilibrium (CGE) model that explicitly incorporates key features of the economy. These include......: detailed accounting of marketing margins, home consumption, risk, and gender roles in agricultural production. Our results show that agricultural technology improvements benefit both male and female occupants of rural households. Due to economic interactions, agricultural technology improvements...

  3. UJI INTEGRASI DAN CONTAGION EFFECT PASAR MODAL PADA LIMA NEGARA ASEAN (RISET EMPIRIS PASCA TERJADINYA KRISIS SUBPRIME MORTGAGE DAN KRISIS YUNANI

    Directory of Open Access Journals (Sweden)

    Tarsisius Renald Suganda

    2016-10-01

    Full Text Available Financial market comovement in ASEAN main member countries is still attractive to scrunitized, because this area is vulnerable to the impact on a global economic event. This study examined capital market integration of five ASEAN main members (Indonesia, Singapore, Malaysia, Philippines, and Thailand by using September 2008—30 April 2013 data period. This period will divided into the post 2008 Subprime Mortgage crisis period and the post 2010 Greece crisis period. Vector Autoregressive (VAR was used to test the comovement occurance among these capital markets and Granger Causality Test was used to analyze the contagion effect among these capital markets. The finding shows that the comovement was occurred among Indonesia, Malay-sia, Singapore and Thailand’s capital market during September 2008 to 30 April 2013 period. The comovement was still occured after 2008 Subpime Mortgage crisis period and 2010 Greece crisis period, although there is country namely Philippines which did not have the comovement at all against the other countries. Further-more, the finding shows that Indonesia capital market gives contagion effect to other ASEAN countries after 2008 Subprime Mortgage crisis and Greece financial crisis.

  4. 76 FR 33700 - Board for International Food and Agricultural Development; Notice of Meeting

    Science.gov (United States)

    2011-06-09

    ... Citizenship and Public Affairs, Syracuse University. Board members with continuing service include Elsa Murano... International Food and Agricultural Development; Notice of Meeting Pursuant to the Federal Advisory Committee Act, notice is hereby given of the public meeting of the Board for International Food and Agricultural...

  5. 44 CFR 351.26 - The United States Department of Agriculture.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false The United States Department of Agriculture. 351.26 Section 351.26 Emergency Management and Assistance FEDERAL EMERGENCY... PREPAREDNESS Interagency Assignments § 351.26 The United States Department of Agriculture. (a) Assist FEMA in...

  6. Protecting agriculture against nuclear radiations: conception and measures

    International Nuclear Information System (INIS)

    Lehmann Hans-Joerg

    1997-01-01

    In case of atomic and chemical (AC) accident or attacks the agriculture is severely affected. This became clearly after the Chernobyl disaster, after which the authorities mobilized and increased the efforts to protect the agriculture. In Switzerland the Federal Commission for AC protection has undertaken the necessary actions in collaboration with the Federal Office for Agriculture. The protection of agriculture against radioactive fallout has many aspects. One of these concerns the requirement of informing farmers with all the necessary instruction to ensure the protection of rural population and animals, foods and forages, to make them able to take essential protection measures without exterior assistance, and to provide the agriculture buildings with simple and durable tools necessary in case of emergency intervention. To implement these requirements on Confederation level educational programs were developed to instruct agriculture agents and advisors on basic notions of radioactivity and radiation protection. These programs are thought to make the farmer aware with the implications of nuclear chemical and nuclear menace and the measures of protecting its enterprise by own means. Special instructions are to be applied by the enterprise chiefs to ensure first that the personnel protection is the top priority and then how to minimize and limit the damage produced by the radiation accident

  7. Governing agricultural sustainability

    NARCIS (Netherlands)

    Macnaghten, Philip; Carro-Ripalda, Susana

    2015-01-01

    Although GM crops are seen by their advocates as a key component of the future of world agriculture and as part of the solution for world poverty and hunger, their uptake has not been smooth nor universal: they have been marred by controversy and all too commonly their regulation has been

  8. Agricultural Development in Zambia

    DEFF Research Database (Denmark)

    Jeppesen, Søren; Hampwaye, Godfrey; Phiri, Douglas

    Food processing is important to the Zambian economy and entails a set of options for local firms to grow and create employment given the growth potential the country possesses in agriculture. This policy brief summarizes the findings of a study of 38 Zambian owned firms in the food processing...

  9. Agricultural nitrate pollution

    DEFF Research Database (Denmark)

    Anker, Helle Tegner

    2015-01-01

    Despite the passing of almost 25 years since the adoption of the EU Nitrates Directive, agricultural nitrate pollution remains a major concern in most EU Member States. This is also the case in Denmark, although a fairly strict regulatory regime has resulted in almost a 50 per cent reduction...

  10. Control of agricultural pests

    International Nuclear Information System (INIS)

    1961-01-01

    The methods of using isotopes and radiation sources in agricultural entomology were discussed by experts from 11 countries at a scientific symposium held by the International Atomic Energy Agency in Bombay from 5-9 December 1960. The scientists reviewed the techniques which have already been introduced, exchanged information on the results obtained and discussed the possibilities of further research in new directions

  11. Agriculture. Poultry Livestock.

    Science.gov (United States)

    Michigan State Univ., East Lansing. Coll. of Agriculture and Natural Resources Education Inst.

    This task-based curriculum guide for agricultural production, specifically for poultry, is intended to help the teacher develop a classroom management system where students learn by doing. Introductory materials include a Dictionary of Occupational Titles job code and title sheet, a task sheet for developing leadership skills, and a task list.…

  12. Food and agriculture

    International Nuclear Information System (INIS)

    Muhammad Lebai Juri

    2005-01-01

    This chapter discussed the basic principles and techniques of nuclear science and technology applied in food and agricultural study. The following subjects covered: 1) Utilization of radiation in plant breeding, pest control, food irradiation, moisture content, food contamination study; 2) Utilization of radioisotopes in soil and plant studies, animal research

  13. Phosphorus in agricultural soils:

    NARCIS (Netherlands)

    Ringeval, Bruno; Augusto, Laurent; Monod, Hervé; Apeldoorn, van D.F.; Bouwman, A.F.; Yang, X.; Achat, D.L.; Chini, L.P.; Oost, van K.; Guenet, Bertrand; Wang, R.; Decharme, B.; Nesme, T.; Pellerin, S.

    2017-01-01

    Phosphorus (P) availability in soils limits crop yields in many regions of the World, while excess of soil P triggers aquatic eutrophication in other regions. Numerous processes drive the global spatial distribution of P in agricultural soils, but their relative roles remain unclear. Here, we

  14. Nanotechnology in Agriculture

    Science.gov (United States)

    An overview is given of the application of nanotechnology to agriculture. This is an active field of R&D, where a large number of findings and innovations have been reported. For example, in soil management, applications reported include nanofertilizers, soil binders, water retention aids, and nut...

  15. Dilemmas in sustainable agriculture

    NARCIS (Netherlands)

    Korthals, M.

    2001-01-01

    In this article, I argue that agriculture and food production processes are subject to what I refer to as 'dilemmatic situations'. These dilemmatic situations are rather new, and require a new orientation in ethics to account for them. Ethics has to give up long-cherished ideals, such as: (a) the

  16. Africa, Agriculture, Aid

    NARCIS (Netherlands)

    Kuyvenhoven, A.

    2008-01-01

    In a world that is developing fast, Africa¿s relative stagnation is a human tragedy that challenges the development profession. Although climate and geography, and their effect on local institutions, are not in Africa¿s favour, inappropriate policies (including neglect of agriculture) and weak

  17. Agricultural Markets Instability

    NARCIS (Netherlands)

    Garrido, A.; Brümmer, B.; M'Barek, R.; Gielen-Meuwissen, M.P.M.; Morales-Opazo, C.

    2016-01-01

    Since the financial and food price crises of 2007, market instability has been a topic of major concern to agricultural economists and policy professionals. This volume provides an overview of the key issues surrounding food prices volatility, focusing primarily on drivers, long-term implications of

  18. Agriculture and environmental pollution

    International Nuclear Information System (INIS)

    Hafiz, A.

    1999-01-01

    Agriculture came into existence about 15,000 years ago and passed through different stages of food gathering, hunting, hoe culture and sedentary agriculture followed by modem agriculture. It began simultaneously in five world centers concentrating on different crops, most suited to those areas. It was also effected by changes in climate influenced by temperature, drought and magnitude of precipitation, which determined the distribution of populations and occupation of the people. With the increase in population the need for food also progressively increased, necessitating introduction of modern agriculture to enhance production. The indiscriminate and faulty use of advanced technology has added its share in the, destruction of environment. The two approaches that contributed to this were horizontal wand vertical expansion. The former results in deforestation, desertification, soil erosion, land salting and water logging as well as the frequent occurrence of droughts and famines, the latter destroyed soil structure and fertility through decreased microbial populations, fish culture, wildlife and bird sanctuaries, in addition to hazards in human beings and fauna. The real culprit of this global devastation is the high population growth rate, which needs to be contained at safer levels, coupled with sensible use of inputs to produce needed quantities of food and fiber. (author)

  19. Transgenics in Agriculture

    Indian Academy of Sciences (India)

    Home; Journals; Resonance – Journal of Science Education; Volume 6; Issue 2. Transgenics in Agriculture. D Rex Arunraj B Gajendra Babu. Classroom Volume 6 Issue 2 February 2001 pp 83-92. Fulltext. Click here to view fulltext PDF. Permanent link: https://www.ias.ac.in/article/fulltext/reso/006/02/0083-0092 ...

  20. Sustainability through precision agriculture

    Science.gov (United States)

    As population and standard of living increase in many parts of the world, so will the need for food and other agriculturally-based products. To be sustainable, these increases in production must occur with minimum impact on the environment and with efficient use of production resources, including la...