WorldWideScience

Sample records for leave housing loans

  1. Foreign Banks Set Sights on Housing Loans

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    Having cleared all the hurdles to enter the market, locally incorporated foreign banks declare their intentions to dive into the personal housing loan business in China A battle is brewing between domestic and locally incorporated foreign banks over the

  2. 76 FR 31217 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2011-05-31

    ... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program... the Rural Housing Service (RHS) Section 502 Single Family Housing Guaranteed Loan Program (SFHGLP) by eliminating the lender's published Department of Veterans Affairs (VA) rate for first mortgage loans with no...

  3. 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...

  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 53880 - Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing...

    Science.gov (United States)

    2011-08-30

    ... DEPARTMENT OF AGRICULTURE Rural Housing Service Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year 2011 AGENCY: Rural Housing Service, USDA. ACTION: Notice; correction. SUMMARY: This notice corrects the scoring...

  6. 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...

  7. 75 FR 34421 - Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor...

    Science.gov (United States)

    2010-06-17

    ... DEPARTMENT OF AGRICULTURE Rural Housing Service Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year (FY... the timeframe to submit pre-applications for section 514 Farm Labor Housing (FLH) loans and section...

  8. Leaving home and entering the housing market.

    NARCIS (Netherlands)

    Clark, W.A.V.; Mulder, C.H.

    2000-01-01

    We use a multinomial choice model of owning a home, owning a trailer, or renting to examine the housing-market entry of young adults in the USA after they have left the parental home. We also model the choice between renting independently and sharing with roommates. We show that the likelihood of

  9. 12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

    Science.gov (United States)

    2010-01-01

    ... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... protection to consumers. Such determinations shall be published in the Federal Register and shall operate...

  10. Do bank loans and local amenities explain Chinese urban house prices?

    OpenAIRE

    Huang, Daisy J.; Leung, Charles Ka Yui; Qu, Baozhi

    2015-01-01

    Based on Chinese city-level data from 1999 to 2012 and controlling for geological, environmental, and social diversity, this study suggests that credit plays a significant role in driving up house prices after the Great Recession, whereas property prices only influence bank lending before 2008. Local amenities such as higher education, green infrastructure, healthcare, and climate also positively affect house prices. Moreover, the impacts of bank loans on housing prices tend to be related to ...

  11. 75 FR 81096 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-12-27

    ...). Section 10C(e) requires the Director to annually report to Congress on the performance of the Banks in... benchmark levels to measure the Banks' housing goals performance. The Banks' performance under the housing... originated both by members and non-members. A Bank meets a housing goal if its annual performance meets or...

  12. 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.

  13. 75 FR 10194 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2010-03-05

    ... that has been granted on the loan. (3) The value appreciation of property with a cross-collateralized... (voluntary conveyance) the RHS will recapture the full subsidy from the value of the property. DATES: Written... regulation is finalized. Recovery of the subsidy will only come from proceeds from the sale of the property...

  14. 77 FR 3377 - Direct Single Family Housing Loans and Grants

    Science.gov (United States)

    2012-01-24

    ... received; or (ii) A portion of the value appreciation of the property subject to recapture. In order for... appreciation. The value appreciation of property with a cross-collateralized loan is based on the market value... will recapture the full subsidy from the value of the property. DATES: Effective: February 23, 2012...

  15. 75 FR 52429 - Guaranteed Single Family Housing Loans

    Science.gov (United States)

    2010-08-26

    ... other than foreclosure is recommended to resolve the delinquency. Use of special loan servicing does not... weekly in its Statistical Release H.15. This default maximum allowable interest rate is determined using... weekly in its Statistical Release H.15. * * * * * Mortgage payment to income ratio. This ratio is defined...

  16. 75 FR 8239 - Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of Credit

    Science.gov (United States)

    2010-02-24

    ... written appeal to FHFA that includes the Bank's decision resolution and a statement of the basis for the... Parts 1264, 1265 and 1269 RIN 2590-AA33 Federal Home Loan Bank Housing Associates, Core Mission... regulations address, respectively, Federal Home Loan Bank (Bank) housing associates, the Banks' core mission...

  17. 75 FR 29947 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-05-28

    ... performance of the Banks in meeting the housing goals under section 10C. 12 U.S.C. 1430c(e). Sections 1331... would measure the Banks' single-family housing goals performance relative to the actual goals-qualifying... advantages of comparing the Bank's performance to actual market performance outweigh the disadvantages. A...

  18. 77 FR 21793 - Notice of Proposed Information Collection for Public Comment; Loan Guarantee for Indian Housing

    Science.gov (United States)

    2012-04-11

    ... Number: 2577-0200. Description of the need for the information and proposed use: The information is... service areas. Mortgage lenders approved by HUD provide borrower and lender information to HUD for... Information Collection for Public Comment; Loan Guarantee for Indian Housing AGENCY: Office of the Assistant...

  19. Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage

    Energy Technology Data Exchange (ETDEWEB)

    Hanzai-Kashi, A; Combs, E R

    1984-01-01

    The lack of available financing is a major impediment to the construction of earth-sheltered housing. A broad-based study of lending institutions, this study describes the perceptions of loan officers toward earth-sheltered housing and their perception of their institution's lending policies in terms of their concerns. The survey finds that a majority of the loan officers perceive more stringent terms and larger down payments for earth-sheltered housing because of their concerns for financial risk, complexity, and relative advantage. Methods to reduce the risk and complexity and to increase the relative advantage would involve marketing research, certification and warranty programs, secondary mortgages markets, and other techniques. 8 references, 5 tables.

  20. 75 FR 78730 - Federal Housing Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot...

    Science.gov (United States)

    2010-12-16

    ... Administration (FHA): Notice of FHA PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Period... proposal to conduct an FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program or Pilot Program... Efficient Mortgage Innovation pilot program targeted to the single family housing market, and the Retrofit...

  1. FINANCIAL BEHAVIOR OF POPULATION ON LOAN FOR HOUSING - A STATISTICAL APPROACH

    Directory of Open Access Journals (Sweden)

    Ana-Gabriela Babucea

    2009-11-01

    Full Text Available The economic crisis has stopped the Romanians consumerism momentum. The perspective of job loss, changes in exchange rate or the inflation made many people to be extremely cautious when contract a loan for fear they can not repay it. In this paper we intend a retrospective analysis of housing credit growth to the population and build a multifactorial regression model with regard to factors influence the economic crisis.

  2. 75 FR 54020 - Federal Housing Administration Risk Management Initiatives: New Loan-to-Value and Credit Score...

    Science.gov (United States)

    2010-09-03

    ... Housing Administration Risk Management Initiatives: New Loan-to-Value and Credit Score Requirements AGENCY... acceptable risks of financial loss, not unacceptable risks.\\2\\ \\2\\ While the Federal Credit Reform Act of..., specific to each applicant. Lower credit scores indicate greater risk of default on any new credit extended...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 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...

  8. 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...

  9. 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...

  10. 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...

  11. 78 FR 9936 - Federal Housing Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program...

    Science.gov (United States)

    2013-02-12

    ... Administration (FHA): PowerSaver Home Energy Retrofit Loan Pilot Program: Extension of Pilot Program AGENCY...: On March 31, 2011, HUD published a notice that announced HUD's FHA Home Energy Retrofit Loan Pilot Program (Retrofit Pilot Program) known as FHA PowerSaver, which is a pilot program conducted for loans...

  12. To Leave, or Not to Leave: That Is the Problem in "A Doll's House" and "Candida"

    Science.gov (United States)

    Varghaiyan, Naghmeh

    2015-01-01

    This paper explores representation of "Woman Question" in Henrik Ibsen's "A Doll's House" and George Bernard Shaw's "Candida." The paper argues that unlike many studies that have read Candida and Nora as two disparate characters, they can be considered as the same "New Woman" represented only from different…

  13. 7 CFR 3560.612 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The maximum loan amount will be 100 percent of the allowable total development costs of on-farm labor housing and...

  14. THE HOUSE OF SAVINGS AND LOAN OF EMPLOYEES FROM THE GOLD MINING COMPLEX OF BRAD OF “MICA” COMPANY (1931-1948

    Directory of Open Access Journals (Sweden)

    MIRCEA BARON

    2011-01-01

    Full Text Available In our study we're trying to present one of the many social projects that "Mica" Mining Company has achieved within the gold mining complex from Brad, located in the Apuseni Mountains of Transylvania. Under the motto “Be not only hardworking but also preservers because everyone can earn money, but few know how to save it” the company the managers of "Mica" Brad set up, in 1931-1932, the House of Savings and Loan for workers, and the House of Savings and Loan officials respectively, institutions that would operate until the closing of "Mica" Company in 1948. These Houses include all employees of the "Mica" Company from Brad and will circulate the funds from voluntary and compulsory deposits of their members, granting loans for the construction of houses and farms, for the establishment of agricultural holdings, for the purchase of land and agricultural equipment, for family needs etc.

  15. Frequency of Leaving the House and Mortality from Age 70 to 95.

    Science.gov (United States)

    Jacobs, Jeremy M; Hammerman-Rozenberg, Aliza; Stessman, Jochanan

    2018-01-01

    To determine the association between frequency of leaving the house and mortality. Prospective follow-up of an age-homogenous, representative, community-dwelling birth cohort (born 1920-21) from the Jerusalem Longitudinal Study (1990-2015). Home. Individuals aged 70 (n = 593), 78 (n = 973), 85 (n = 1164), and 90 (n = 645), examined in 1990, 1998, 2005, and 2010, respectively. Frequency of leaving the house, defined as daily (6-7/week), often (2-5/week), and rarely (≤1/week); geriatric assessment; all-cause mortality (2010-15). Kaplan-Meier survival charts and proportional hazards models adjusted for social (sex, marital status, financial status, loneliness), functional (sex, self-rated health, fatigue, depression, physical activity, activity of daily living difficulty), and medical (sex, chronic pain, visual impairment, hearing impairment, diabetes mellitus, hypertension, ischemic heart disease, chronic kidney disease) covariates. At ages 70, 78, 85, and 90, frequency of going out daily was 87.0%, 80.6%, 65.6%, and 48.4%; often was 6.4%, 9.5%, 17.4%, and 11.3%; and rarely was 6.6%, 10.0%, 17.0%, and 40.3% respectively. Decreasing frequency of going out was associated with negative social, functional, and medical characteristics. Survival rates were lowest among those leaving rarely and highest among those going out daily throughout follow-up. Similarly, compared with rarely leaving the house, unadjusted mortality hazard ratios (HRs) were lowest among subjects leaving daily and remained significant after adjustment for social, functional and medical covariates. Among subjects leaving often, unadjusted HRs showed a similar effect of smaller magnitude, with attenuation of significance after adjustment in certain models. Findings were unchanged after excluding subjects dying within 6 months of follow-up. In community-dwelling elderly adults aged 70 to 90, leaving the house daily was associated with lower mortality risk, independent of social, functional, or

  16. 78 FR 8551 - Federal Housing Administration (FHA) Risk Management Initiatives: Changes to Maximum Loan-to...

    Science.gov (United States)

    2013-02-06

    ...: Notice. SUMMARY: This proposed notice would make changes to the loan-to-value (LTV) financing available... 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 toll-free Federal Relay Service at 800-877-8339. Copies...

  17. 24 CFR 201.41 - Loan servicing.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...

  18. 24 CFR 201.10 - Loan amounts.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...

  19. 75 FR 56875 - Loan Guaranty: Assistance to Eligible Individuals in Acquiring Specially Adapted Housing

    Science.gov (United States)

    2010-09-17

    ... the Paperwork Reduction Act of 1995 (44 U.S.C. 3501-3521), no new or proposed revised collections of... as to preclude use of the arms at or above the elbows; or (v) Any other injury identified as eligible... deny the housing unit acquired by this benefit, to any person because of race, color, religion, sex...

  20. 24 CFR 573.4 - Loan term.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...

  1. 76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-12-20

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...

  2. LOAN BROKERS

    Directory of Open Access Journals (Sweden)

    Adela IONESCU

    2014-05-01

    Full Text Available A loan is probably the most important financial decision we make in life. In a time when lack of time affects us in every way, including financially, we can only appeal to specialists if we want fast, reliable and quality long-term services. „The notion of “creditor” includes all legal entities, branches of credit institution and nonbankingfinancial institutions that operate in Romania and grant or undertake to grant loans in itscommercial of professional activity”. In the case of loans, the "specialist" has been called loan broker. Loan broker is a person trained in intermediating bank loans who offers advice on choosing the best financial solutions for each client. Through partnerships with banks in Romania, the broker has access to their credit products and assist customers in choosing the loan that best suits their financial needs and possibilities. Moreover, the broker will help in preparing loan application to be submitted to the bank and pursue it to its completion. Loan broker can be defined as the person authorized by the bank or non-bank financial institutions to promote their products through direct contact with natural or legal persons wishing to contract a loan, without any of the parties to have exclusivity. There can be defined as an independent bank or non-bank financial institution, as an intermediary between customers and banks. Through its financial advisors , the company helps customers overcome the difficulty of understanding the credit products, difficulties arising from the multitude of factors that compose such a product, especially in the case of a housing loan or mortgage. Each financial institution is doing everything possible through such partnerships to attract the largest possible portfolio of clients, therefore is developing a real network of brokers to be partners for local or national level (depending on the sites coverage of the branches of each institution on one or more types of credit products. The

  3. 7 CFR 1822.274 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...

  4. 24 CFR 1007.35 - Loan terms.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...

  5. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...

  6. 7 CFR 1980.310 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...

  7. 7 CFR 3560.61 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...

  8. Single Family Loan Sale Initiative - National Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  9. 78 FR 33800 - Notice of Funding Availability: Section 515 Multi-Family Housing Preservation Revolving Loan Fund...

    Science.gov (United States)

    2013-06-05

    ... Housing Tax Credits (LIHTC) assistance, when a tenant receives such housing benefits. Additional tenant... matching funds from third parties, including housing tax credits for rural housing assistance and to... unqualified audited opinion signed by an independent Certified Public Accountant (CPA) acceptable to the...

  10. To Leave, or not to Leave: That Is the Problem in A Doll’s House and Candida

    Directory of Open Access Journals (Sweden)

    Naghmeh Varghaiyan

    2015-06-01

    Full Text Available This paper explores representation of Woman Question in Henrik Ibsen’s A Doll’s House and George Bernard Shaw’s Candida. The paper argues that unlike many studies that have read Candida and Nora as two disparate characters, they can be considered as the same New Woman represented only from different perspectives. In the previous studies, Candida is usually labelled a philistine who chooses to stay at home in order to defend blindly the convention of marriage bond while Nora is commonly called a rebel who chooses to abandon the conventional matrimonial life in order to find her true identity. This study, nonetheless, holds that both female characters’ ensuing decisions, although in different forms, similarly make their husbands reflect deeply on their situation in a way that in general the relation between them changes considerably afterwards. The female characters’ socio-familial states, nevertheless, may not change considerably in the near future. Thus, the textual analysis in the present study reveals that there is no basis for establishing a dualism when discussing Candida and Nora, the former standing for conspiracy against her own gender while the latter being a symbol of female redemption. Instead, it could be argued that their seemingly different final decisions are different solutions to one problem without implying a certificate of authenticity at the end.  Keywords: Problem Play, Woman Question, New Woman, Nora, Candida

  11. 26 CFR 1.42-3 - Treatment of buildings financed with proceeds from a loan under an Affordable Housing Program...

    Science.gov (United States)

    2010-04-01

    ... INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.42-3...)(D). Thus, any building with respect to which the proceeds of the loan are used during the tax year... building for that tax year and subsequent tax years for purposes of determining the applicable percentage...

  12. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...

  13. 77 FR 72247 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2012-12-05

    ... Desk, First Floor, on business days between 9 a.m. and 5 p.m. U.S. Mail, United Parcel Service, Federal Express, or Other Mail Service: The mailing address for comments is: Alfred M. Pollard, General Counsel... Services of the House of Representatives, and the Committee on Banking, Housing and Urban Affairs of the...

  14. Establishing and Analysing the Model of the Factors Affecting the Profits of Private House Mortgage Loans%个人住房抵押贷款利润影响因素的建模与分析

    Institute of Scientific and Technical Information of China (English)

    彭宜钟; 肖俊喜; 王庆石

    2003-01-01

    Based on an real bank case, this paper explores the main factors that affect the bank' s profit of housing mortgage loan and then quantify and model them with the profit formation. These models help the bank analyze and mainpulate these factors in order to gain the satisfactory profits.

  15. 24 CFR 1007.30 - Security for loan.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Security for loan. 1007.30 Section... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.30 Security for loan. (a) In general. A... Lands is used as collateral or security for the loan, the following additional provisions apply: (1...

  16. Single Family Loan Sale Initiative - Neighborhood Stabilization Outcome Pool Offering

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...

  17. 76 FR 39813 - Notice of Funding Availability of Applications (NOFA) for Section 514 Farm Labor Housing Loans...

    Science.gov (United States)

    2011-07-07

    ... insulation exceeds code for a maximum of 2 points. (2 points total) Reduction in building shell air leakage.... Building shell air leakage may be reduced through materials such as caulk, spray foam, gaskets, and house... and biomass/biofuel systems that do not use fossil fuels in production. Geo-exchange systems are...

  18. Difficulty and independence in shopping among older Americans: more than just leaving the house.

    Science.gov (United States)

    Brenner, Allison B; Clarke, Philippa J

    2017-11-09

    The built, social and economic environments are associated with disability, but knowledge of how these environmental characteristics simultaneously influence older adults' ability to shop independently is limited. We investigated cross-sectional associations between the outdoor home, local neighborhood and macrosocioeconomic levels of the environment and shopping difficulty and interactions between environmental factors and shopping difficulty. Using nationally representative data from a study of Medicare-eligible adults, we conducted a cross-sectional secondary data analysis to examine associations between the environment and difficulty shopping (N = 5504). Sidewalk conditions, broken steps, neighborhood social cohesion and neighborhood socioeconomic disadvantage were associated with more difficulty shopping, although health factors partially accounted for associations between broken steps and disadvantage and shopping difficulty. The association between social cohesion and shopping difficulty also depended on the degree of socioeconomic disadvantage in the neighborhood. Overall, results suggest that factors in the outdoor and local neighborhood environment influence the ability to shop independently for older adults, but that it also may depend on the socioeconomic context of the neighborhood. Interventions aimed at improving the built environment directly outside of older adults' homes and helping increase social cohesion among neighbors, has the potential to reduce difficulty in carrying out this important activity. Implications for rehabilitation Built features of the outdoor home environment including sidewalks and broken steps influence whether older adults are able to safely leave their home to conduct daily activities such as shopping, so it is important that clinicians and rehabilitation professionals are aware of these challenges when helping their patients resume daily activities such as shopping. The physical condition and safety of the immediate

  19. Federal Student Loans: Oversight of Defaulted Loan Rehabilitation Needs Strengthening. Testimony before the Subcommittee on Higher Education and Workforce Training, Committee on Education and the Workforce, House of Representatives. GAO-14-426T

    Science.gov (United States)

    Emrey-Arras, Melissa

    2014-01-01

    As of September 2013 about $94 billion--over 11 percent of federal student loan volume in repayment--was in default. Loan rehabilitation allows borrowers who make nine on-time monthly payments within 10 months to have the default removed from their credit reports. Department of Education (Education) contracts with collection agencies to assist…

  20. 7 CFR 3560.72 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...

  1. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...

  2. Guaranteed Student Loans: Analysis of Insurance Premiums Charged by Guaranty Agencies. Briefing Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    Science.gov (United States)

    Comptroller General of the U.S., Washington, DC.

    The insurance premium rates that guaranty agencies charge student borrowers under the Guaranteed Student Loan program were analyzed by the U.S. General Accounting Office. The Higher Education Amendments of 1986 established a maximum rate (3% of the principal loan amount) that all agencies could charge student borrowers. Comparisons were made of…

  3. Student Loans. Direct Loans Could Save Billions in First 5 Years with Proper Implementation. Report to the Chairman, Subcommittee on Postsecondary Education, Committee on Education and Labor, House of Representatives.

    Science.gov (United States)

    General Accounting Office, Washington, DC. Div. of Human Resources.

    This paper responds to a congressional request for more information concerning first, the potential cost savings from direct rather than guaranteed student loans and second, the ability of the Department of Education and postsecondary institutions to effectively manage a direct lending program. The report: (1) provides a more complete analysis of…

  4. 7 CFR 3560.67 - Rates and terms for section 515 loans.

    Science.gov (United States)

    2010-01-01

    ... housing, loans will be amortized over a period not to exceed the lesser of the economic life of the... Section 3560.67 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination...

  5. 7 CFR 3560.455 - Special servicing actions related to loan accounts.

    Science.gov (United States)

    2010-01-01

    ... loan security is sold and there is a need to reestablish the financial stability of the housing project... 7 Agriculture 15 2010-01-01 2010-01-01 false Special servicing actions related to loan accounts... HOUSING SERVICE, DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Special Servicing...

  6. HUD PowerSaver Pilot Loan Program

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2010-12-10

    The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.

  7. Sustainable house construction and green financing. Explanation for 'green mortgages'

    International Nuclear Information System (INIS)

    1997-05-01

    The Dutch government finances the sustainable construction of new houses by means of so-called 'green loans'. Extra costs for the construction of a sustainable house are compensated by a lower interest rate for a green loan. In this brochure it is explained when green financing of house construction is possible and how to apply for such loans

  8. 12 CFR 926.5 - Housing associate application process.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Housing associate application process. 926.5 Section 926.5 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.5 Housing associate application process. (a...

  9. 12 CFR 926.3 - Housing associate eligibility requirements.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Housing associate eligibility requirements. 926.3 Section 926.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.3 Housing associate eligibility...

  10. 7 CFR 3550.108 - Security requirements (loans only).

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Security requirements (loans only). 3550.108 Section..., DEPARTMENT OF AGRICULTURE DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 504 Origination and Section 306C Water and Waste Disposal Grants § 3550.108 Security requirements (loans only). When the total...

  11. 24 CFR 81.22 - Housing plans.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Housing plans. 81.22 Section 81.22 Housing and Urban Development Office of the Secretary, Department of Housing and Urban Development THE... LOAN MORTGAGE CORPORATION (FREDDIE MAC) Housing Goals § 81.22 Housing plans. (a) If the Secretary...

  12. Uranium loans

    International Nuclear Information System (INIS)

    Anon.

    1990-01-01

    When NUEXCO was organized in 1968, its founders conceived of a business based on uranium loans. The concept was relatively straightforward; those who found themselves with excess supplies of uranium would deposit those excesses in NUEXCO's open-quotes bank,close quotes and those who found themselves temporarily short of uranium could borrow from the bank. The borrower would pay interest based on the quantity of uranium borrowed and the duration of the loan, and the bank would collect the interest, deduct its service fee for arranging the loan, and pay the balance to those whose deposits were borrowed. In fact, the original plan was to call the firm Nuclear Bank Corporation, until it was discovered that using the word open-quotes Bankclose quotes in the name would subject the firm to various US banking regulations. Thus, Nuclear Bank Corporation became Nuclear Exchange Corporation, which was later shortened to NUEXCO. Neither the nuclear fuel market nor NUEXCO's business developed quite as its founders had anticipated. From almost the very beginning, the brokerage of uranium purchases and sales became a more significant activity for NUEXCO than arranging uranium loans. Nevertheless, loan transactions have played an important role in the international nuclear fuel market, requiring the development of special knowledge and commercial techniques

  13. 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...

  14. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...

  15. 75 FR 60347 - Information Sharing Among Federal Home Loan Banks

    Science.gov (United States)

    2010-09-30

    ... business days between the hours of 10 a.m. and 3 p.m. at the Federal Housing Finance Agency, Fourth Floor... FEDERAL HOUSING FINANCE BOARD 12 CFR Part 914 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1260 RIN 2590-AA35 Information Sharing Among Federal Home Loan Banks AGENCY: Federal Housing Finance Agency...

  16. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

    We estimate a model of house prices, combined loan-to-value ratios (CLTVs) and trade and foreclosure behavior. House prices are only observed for traded properties and trades are endogenous, creating sample-selection problems for existing approaches to estimating CLTVs. We use a Bayesian filtering...

  17. 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...

  18. 42 CFR 417.937 - Loan and loan guarantee provisions.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...

  19. 7 CFR 1751.103 - Loan and loan advance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...

  20. Help My House Program Profile

    Science.gov (United States)

    Learn about Help My House, a program that helps participants reduce their utility bills by nearly 35 percent through low-cost loans for EE improvements. Learn more about the key features, approaches, funding sources, and achievements of this program.

  1. Enhancing Cooperative Loan Scheme Through Automated Loan ...

    African Journals Online (AJOL)

    2013-03-01

    Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...

  2. 7 CFR 3560.104 - Fair housing.

    Science.gov (United States)

    2010-01-01

    ... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Borrower Management and Operations Responsibilities § 3560... Housing Marketing Plan. (1) Borrowers with housing projects that have four or more rental units must prepare and maintain an Affirmative Fair Housing Marketing Plan (AFHMP) as defined in 24 CFR part 200...

  3. 75 FR 68534 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2010-11-08

    ... combine provisions now found in the Finance Board regulations part 965, Sources of Funds, and part 969... FEDERAL HOUSING FINANCE BOARD 12 CFR Parts 965, 966, 969, and 987 FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1270 RIN 2590-AA36 Federal Home Loan Bank Liabilities AGENCY: Federal Housing Finance...

  4. 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…

  5. 24 CFR 232.565 - Maximum loan amount.

    Science.gov (United States)

    2010-04-01

    ... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...

  6. 7 CFR 3565.204 - Maximum loan amount.

    Science.gov (United States)

    2010-01-01

    ... project. The lender shall recommend to the Agency an adjustment in the loan amount if appropriate as a result of this review. (2) Where the project financing combines a guaranteed loan with Low-Income Housing Tax Credits or other Federal assistance, the project must conform to the policies regarding necessary...

  7. 75 FR 41877 - Insured Healthcare Facilities 232 Loan Application

    Science.gov (United States)

    2010-07-19

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-65] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY... Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New. Form Numbers...

  8. 75 FR 16821 - Insured Healthcare Facilities 232 Loan Application

    Science.gov (United States)

    2010-04-02

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-23] Insured Healthcare Facilities 232 Loan Application AGENCY: Office of the Chief Information Officer, HUD. ACTION: Notice. SUMMARY...: Title of Proposal: Insured Healthcare Facilities 232 Loan Application. OMB Approval Number: 2502-New...

  9. The role of the Housing Fund of the Republic Slovenia

    Directory of Open Access Journals (Sweden)

    Mira Becele

    1995-01-01

    Full Text Available Basic data about the Housing Fund is given, outlining the principles and requirements for loan allocation. Such loans are available both to individuals and non-profit housing organizations. The Housing Fund is making efforts to supplement and extend the institutional structure of the housing sector by introducing a housing savings bank, by issuing long-term debenture bonds, and through foreign borrowing.

  10. 12 CFR Appendix I to Part 27 - Monthly Home Loan Activity Format

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Monthly Home Loan Activity Format I Appendix I to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. I Appendix I to Part 27—Monthly Home Loan Activity Format EC22SE91...

  11. 12 CFR 926.2 - Bank authority to make advances to housing associates.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank authority to make advances to housing associates. 926.2 Section 926.2 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK MEMBERS AND HOUSING ASSOCIATES FEDERAL HOME LOAN BANK HOUSING ASSOCIATES § 926.2 Bank authority to make...

  12. 24 CFR 888.405 - Amount of the retroactive Housing Assistance Payments.

    Science.gov (United States)

    2010-04-01

    ... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM-FAIR MARKET...

  13. Effects of the L eadership Styles on the Organisational Commitment, Job Satisfaction, and Intention to Leave: A Research on Turkish Prisons and Detention House

    Directory of Open Access Journals (Sweden)

    Ceren Güven Güres

    2015-09-01

    Full Text Available This research was conducted to express the relationship between the leadership styles on the organizational commitment, job satisfaction, intention to leave of the first andsecond grade managers, admin officers, chief prison officers and prison officerswho work in different types of prison and detention centers in Ankara, İstanbul, İzmir, Antalya, Trabzon, İzmir and Antalya. To ensure the validity and reliability of the scales, surveys were conducted to 50 people from Erzurum closed prison and detention center. Results obtained from Erzurum were also subjected to verifiable tests. After the final approval of Ministry of Justice, all surveys have been conducted to 3.026 participants between 12.05.2014 –30.08. 2014. As a result of the research, it has been proved that the participants leadership perceptions have shown differences on job satisfaction, organizational commitment and intention to leave as per their individual characteristics vary. It was also approved that the participants leadership perceptions have affects on their job satisfaction, organizational commitment and intention to leave. It was found that there is a meaningful relation between the organizational commitment and the job satisfaction of the participantslike as the relation between the organizational commitment and their intention to leave

  14. 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...

  15. Department of Education's Student Loan Programs: Are Tax Dollars at Risk? Hearing before the Subcommittee on Criminal Justice, Drug Policy, and Human Resources of the Committee on Government Reform. House of Representatives, One Hundred Sixth Congress, First Session.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. House Committee on Government Reform.

    This hearing was held to consider whether the student loan programs of the Department of Education place tax dollars at risk. In his opening remarks, Representative John L. Mica (Florida) pointed out that for nearly 10 years, the U.S. General Accounting Office has labeled these programs as a high risk for fraud, waste, abuse, and mismanagement. In…

  16. 24 CFR 1006.101 - Housing plan requirements.

    Science.gov (United States)

    2010-04-01

    ... assistance provided by the United States, including loans, grants, and mortgage insurance; (iv) A description... State of Hawaii, including the availability of housing from other public sources and private market... period covered by the plan, including transitional housing; homeless housing; college housing; and...

  17. 12 CFR 338.4 - Fair housing poster.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Fair housing poster. 338.4 Section 338.4 Banks... HOUSING Advertising § 338.4 Fair housing poster. (a) Each bank engaged in extending loans for the purpose... dwelling shall conspicuously display either the Equal Housing Lender poster set forth in paragraph (b) of...

  18. Entrance Counseling Guide for Direct Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

  19. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

    As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…

  20. Philippines: Population: USAID loan.

    Science.gov (United States)

    The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.

  1. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...

  2. 12 CFR Appendix IV to Part 27 - Home Loan Data Submission

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Home Loan Data Submission IV Appendix IV to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. IV Appendix IV to Part 27—Home Loan Data Submission ER21JN94.003 ER21JN94...

  3. Federal Student Loan Interest Rates: History, Subsidies, and Cost. Issue Brief

    Science.gov (United States)

    Delisle, Jason

    2012-01-01

    The 2011 Occupy Wall Street protests brought countless media reports about unemployed college graduates struggling to repay their student loans and headlines sounding alarms that outstanding student loan debt will soon reach $1 trillion. Even though evidence is mixed on whether today's college graduates leave school with significantly more debt…

  4. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

    African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...

  5. Taking Leave?

    CERN Multimedia

    2000-01-01

    Planning a holiday? Then if you're a member of the personnel, you'll need to use the Laboratory's new leave system that will be put in place on 1 October. Leave allocations don't change - you are entitled to just as much holiday as before - but instead of being credited annually, your leave will be credited on a monthly basis, and this information will be communicated on your salary slip. The reason for the change is that with the various new leave schemes such as Recruitment by Saved Leave (RSL) and the Progressive Retirement Programme (PRP), a streamlined procedure was required for dealing with all kinds of leave. In the new system, each member of the personnel will have leave accounts to which leave will be credited monthly from the payroll and debited each time an absence is registered in the CERN Electronic Document Handling system (EDH). Leave balances will appear on monthly pay slips, and full details of leave transactions and balances will be available through EDH at all times. As the leave will be c...

  6. Energy house - dream house

    Energy Technology Data Exchange (ETDEWEB)

    1981-07-01

    An energy house a prefabricated house with an extensive minimization of heat losses, is air-conditioned by means of a combined heating system consisting of hot water cycle and recirculating heating. The energy system is trivalent: wind power, solar energy with heat pumps and normal oil heating.

  7. Bad Loans and Loan Write-Offs

    OpenAIRE

    福田, 慎一; 鯉渕, 賢

    2006-01-01

    In this paper, we investigate who bears the burden when writing off bad loans in Japan. Traditionally, Japanese main banks bore large burdens in saving their customers. We still find that some main banks bear a large burden in saving their customers. However, in most cases, main banks became very reluctant to bear large burdens when bailing out their customers. In the transition from the bank-based system to a market-based system, traditional implicit rules are collapsing dramatically. We sug...

  8. 7 CFR 3560.102 - Housing project management.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Housing project management. 3560.102 Section 3560.102... § 3560.102 Housing project management. (a) General. Borrowers hold final responsibility for housing project management and must ensure that operations comply with the terms of all loan or grant documents...

  9. 7 CFR 3560.623 - Housing management and operations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Housing management and operations. 3560.623 Section... Housing management and operations. Borrowers with on-farm labor housing loans must: (a) Develop and submit to the Agency a management plan in a format specified by the Agency. At a minimum, the management...

  10. 12 CFR 626.6025 - Equal housing lender poster.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Equal housing lender poster. 626.6025 Section... § 626.6025 Equal housing lender poster. (a) Each Farm Credit institution that makes loans for the... by a dwelling shall post and maintain an Equal Housing Lender Poster in the lobby of each of its...

  11. 76 FR 18366 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2011-04-04

    ... attachment for Book-entry consolidated obligations. 1270.19 Reference to certain Department of Treasury... authorized Federal Home Loan Bank (Bank) liabilities and book-entry procedures for COs, as new part 1270 of... Agency and Recent Legislation Effective July 30, 2008, the Housing and Economic Recovery Act of 2008...

  12. 78 FR 67465 - Loan Guaranty: Maximum Allowable Attorney Fees

    Science.gov (United States)

    2013-11-12

    ... foreclosure attorney fee. This fee recognizes the additional work required to resume the foreclosure action, while also accounting for the expectation that some work from the previous action may be utilized in... for legal fees in connection with the termination of single-family housing loans, including...

  13. 24 CFR 1005.105 - What are eligible loans?

    Science.gov (United States)

    2010-04-01

    ... § 203.12(b)(2) of this title for FHA mortgage insurance. (f) Lack of access to private financial markets... borrower must certify that the borrower lacks access to private financial markets. Borrower certification... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false What are eligible loans? 1005.105...

  14. 7 CFR 3565.205 - Eligible uses of loan proceeds.

    Science.gov (United States)

    2010-01-01

    ... essential tenant service type facilities, such as laundry rooms, that are not otherwise conveniently... 7 Agriculture 15 2010-01-01 2010-01-01 false Eligible uses of loan proceeds. 3565.205 Section 3565.205 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE...

  15. 7 CFR 1900.6 - Chair, Loan Resolution Task Force.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Chair, Loan Resolution Task Force. 1900.6 Section 1900.6 Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF...

  16. 7 CFR 3550.102 - Grant and loan purposes.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF... Waste Disposal Grants § 3550.102 Grant and loan purposes. (a) Grant funds. Grant funds may be used only... repair or remodel dwellings to make them accessible and useable for household members with disabilities...

  17. 7 CFR 3550.63 - Maximum loan amount.

    Science.gov (United States)

    2010-01-01

    ... self-help housing will be calculated by adding the total of the market value of the lot (including... amount. Total secured indebtedness must not exceed the area loan limit or market value limitations... appraisal, tax monitoring fee, and the charge to establish an escrow account for taxes and insurance will...

  18. 7 CFR 3575.24 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF...) Community, social, or cultural services, (iv) Transportation facilities such as streets, roads, and bridges... rights. (ii) Interest on loans until the facility is self-supporting, but not for more than 2 years...

  19. Facilitating investment in affordable housing : Towards an Australian model. Draft

    NARCIS (Netherlands)

    Lawson, J.M.; Berry, M.; Milligan, V.; Yates, J.

    2009-01-01

    This paper argues that sustainable and affordable finance provides a crucial pillar to support the provision of affordable housing in the long term. This finance can take on a variety of forms, comprising grants, public loans, commercial loans as well as shareholder equity. It can be facilitated by

  20. 7 CFR 1710.50 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...

  1. 7 CFR 1710.51 - Direct loans.

    Science.gov (United States)

    2010-01-01

    ... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...

  2. 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...

  3. Autonomous houses. Autonomous house

    Energy Technology Data Exchange (ETDEWEB)

    Tanaka, S. (Tokai University, Tokyo (Japan). Faculty of Engineering)

    1991-09-30

    Self-sufficiency type houses are outlined. On condition that people gain a certain amount of income in relation with the society, they self-suffice under the given environment, allowing themselves to accept a minimum of industrial products with small environmental load. Ordinary supply from outside of fossil energy and materials which depend on it is minimized. Types are classified into three: energy, energy materials and perfect self-sufficiency. A study project for environment symbiotic houses is progressing which is planned by the Ministry of Construction and Institute of Building Energy Conservation and is invested by a private company. Its target is making a house for halving an environmental load by CO{sub 2}, for the purpose of creating the environment symbiotic house which is nice to and in harmony with the global environment and human beings. As a part of the studies on energy-saving and resource conservation on houses, introduced is a plan of an autonomous house at Izu-Atagawa. The passive method and high thermal-insulation are used for air conditioning, and hot spring water for hot water supply. Electric power is generated by hydroelectric power generation using mountain streams and by solar cells. Staple food is purchased, while subsidiary food is sufficed. 17 refs., 4 figs., 1 tab.

  4. 7 CFR 2201.19 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...

  5. 5 CFR 1655.14 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...

  6. 7 CFR 1436.7 - Loan term.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...

  7. 13 CFR 400.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...

  8. 7 CFR 764.401 - Loan decision.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...

  9. 7 CFR 1710.407 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...

  10. 13 CFR 500.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...

  11. 13 CFR 400.204 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...

  12. 7 CFR 1710.406 - Loan approval.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...

  13. 13 CFR 500.202 - Loan amount.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...

  14. 7 CFR 1710.113 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...

  15. 7 CFR 1735.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...

  16. 7 CFR 762.121 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...

  17. 7 CFR 1738.22 - Loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...

  18. 7 CFR 1737.92 - Loan documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...

  19. Eccentric housing finance sources by the urban poor in Zimbabwe: case of Cowdray Park low-income self help housing scheme in Bulawayo

    Directory of Open Access Journals (Sweden)

    Trynos GUMBO

    2010-06-01

    Full Text Available Zimbabwe has a sombre housing crisis in all its urban centres. All attempts by the government to vary housing delivery systems to ameliorate the problem have proved futile as the backlog it inherited from the colonial masters continues to soar. The situation has however been exacerbated by 2005 demolitions and evictions in the country’s major cities that destroyed homes and businesses leaving the majority of the poor and disadvantaged segments of society in deeper poverty, deprivation and destitution. The main challenge to housing the urban poor is housing finance. Public funds are meagre and private funds are not accessible to the poor due to lack of collateral security and inability to service the loans. Fascinatingly, the poor’s income comes from informal sector activities that absorbs a large percentage of the labour force and keeps the economy going while the large modern enterprises continue to reel under the economic downturn. Unfortunately the Zimbabwean informal sector has generally been perceived as a nuisance, a haven for criminals and a menace. Evidence shows that there is a strong relationship between the urban poor’s housing finance, informal sector activities and self-help housing strategies in Zimbabwe. In the pre-2005 Operation Murambatsvina era, the poor were making some construction progress as evidenced by the structures that had developed. This paper calls for active support and facilitation of the poor’s sources of income, and advocates for the involvement of other players such as the private sector and the international community in housing the poor. The Zimbabwe government’s plan to house the homeless and poor on its 250 000 stands countrywide through self-help programmes can only be successful if their sources of income are promoted and facilitated.

  20. Strategies for Living in Houses

    Directory of Open Access Journals (Sweden)

    Colin Ripley

    2017-12-01

    Full Text Available The problem of queer housing can never go away because it is a central component of queerness. Queer housing is a contradiction in terms: not even a queer architect can design a queer house. But where does this leave us, as queer people living in a straight hegemony? Where does it leave us as humans with bodies, craving shelter and safety and a place to live that is in accordance with our experience of self and of living in the world? In this article the author proposes eight architectural strategies for re-occupying the Levittown Cape Cod house from 1947 for queer bodies, minds and hearts. These strategies offer modes by which the key programmatic formal and material components of the Cape Cod House can be attacked, made invalid, or détourned for queer uses, to make of the Cape Cod House a site for our pain, our longing, our anger.

  1. Women's housing conditions in Bangladesh.

    Science.gov (United States)

    Shefali, M K

    1996-01-01

    This news article describes women's housing conditions, housing policy, and pilot programs to house poor women in Bangladesh. Although Bangladesh has a constitution that reinforces the equal status of women, in practice, men dominate and patrilineal customs determine inheritance and property rights. Religious affiliation also determines land tenure and inheritance. Muslim women can inherit 12.5% of their husband's property if there are children. 25% is inherited if wives are without children. Hindu women without sons can inherit their husband's property, but not parental property. Many families refuse to release property to women without a fight. Women, regardless of ownership of land, rarely control or use their land. The custom of requiring men to maintain wives during the marriage, and daughters until marriage, creates obstacles to women's decision making about property. Without collateral and other security women are unable to secure bank loans. Many women are also constrained by the requirement of male consent or guarantees for bank transactions. Banks do not have a gender responsive criteria for selecting loan recipients. The government does not provide sufficient housing to satisfy the growing housing needs due to population growth. Some housing is available from slum landlords. A National Housing Policy was formulated in 1993. Priority would be given to the housing needs of low income women in urban areas and women-headed households with income below the poverty line. The policy does not address the underlying factors that prevent equal access to housing for women. The government prepared a Human Settlement and Urban Development proposal for the Habitat II conference. The plan did not address gender issues. Special efforts are being made by nongovernmental groups to meet the housing needs of professional women and for some disadvantaged women.

  2. Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Department of Education, Washington, DC.

    Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…

  3. Private Loans: Facts and Trends

    Science.gov (United States)

    Institute for College Access & Success, 2014

    2014-01-01

    Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…

  4. 24 CFR 888.111 - Fair market rents for existing housing: Applicability.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Fair market rents for existing... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM-FAIR MARKET...

  5. 24 CFR 888.113 - Fair market rents for existing housing: Methodology.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Fair market rents for existing... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM-FAIR MARKET...

  6. Housing Wealth and Consumption: A Micro Panel Study

    DEFF Research Database (Denmark)

    Browning, Martin; Gørtz, Mette; Leth-Petersen, Søren

    2013-01-01

    find little evidence of a housing wealth effect on consumption: unexpected innovations to house prices are uncorrelated with changes in total expenditure at the household level. A reform in 1992 allowed – for the first time - house owners to use their housing equity as collateral for consumption loans....... We find that young house owners likely to be affected by credit constraints react to house price changes after 1993. Our findings suggest that house prices impact total expenditure through improved collateral rather than directly through wealth....

  7. 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,

  8. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

    The offer of the United States to loan Californium-252 sources to the IAEA was made by Dr. Glenn T. Seaborg, then chairman of the USAEC, in his opening statement at the 15th. General Conference of the IAEA held in Vienna in 1971. The purpose of this loan was to make neutron emitting sources available to universities in the Member States for use in educational programmes. The sources, in the form of small needles designed for medical use in radiation therapy, were judged highly suitable for didactic applications due to their small size, limited activity and well documented radiological parameters. Subsequently, in May 1973, the Director General announced the availability of the Californium sources to the Member States. To date, numerous sources have been loaned to universities in Czechoslovakia, Costa Rica, the Federal Republic of Germany, Ghana, India, Iran, Israel, Japan, South Africa, Switzerland, the United Kingdom and Uruguay; additional applications for loans are being processed. It is anticipated that the loan programme will be terminated in 1975 once all the available sources have been distributed. n order to provide guidance for the Member States on the safe exploitation of these sources, a prototype use and storage facility was designed by IAEA staff of the Dosimetry Section of the Division of Life Sciences, and constructed at the IAEA laboratory in Seibersdorf, Austria. Figures 2-5 illustrate some of the details of this container, which is being given to the Ghana Nuclear Centre in support of a training programme for students at the university in Accra. Further advice to users of these sources will be provided by the publication of an instructional syllabus, a laboratory manual for experiments and the safety precautions inherent in the proper handling of neutron emitting radionuclides, authored by Professors Erich J. Hall and Harald H. Rossi of Columbia University. The syllabus and manual will be published as part of the IAEA Technical Series in September

  9. Understanding Loan Aversion in Education

    Directory of Open Access Journals (Sweden)

    Angela Boatman

    2017-01-01

    Full Text Available Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using survey data collected on more than 6,000 individuals, we examine the frequency of loan aversion in three distinct populations. Depending on the measure, between 20 and 40% of high school seniors exhibit loan aversion with lower rates among community college students and adults not in college. Women are less likely to express loan-averse attitudes than men, and Hispanic respondents are more likely to be loan averse than White respondents.

  10. Housing culture

    DEFF Research Database (Denmark)

    Roesdahl, Else; Scholkmann, Barbara

    2007-01-01

    On houses and their furniture and fittings, and on the study of this - with a comparison of rural, urban, monastic and aristocratic housing, and a special section on heating technologies.......On houses and their furniture and fittings, and on the study of this - with a comparison of rural, urban, monastic and aristocratic housing, and a special section on heating technologies....

  11. Multifamily Housing Rehabilitation Process Improvements

    Energy Technology Data Exchange (ETDEWEB)

    Sweet, Marshall L. [Partnership for Home Innovation, Upper Marlboro, MD (United States); Francisco, Abby [Partnership for Home Innovation, Upper Marlboro, MD (United States); Roberts, Sydney G. [Partnership for Home Innovation, Upper Marlboro, MD (United States)

    2016-03-01

    Rea Ventures Group, LLC (Rea Ventures) partnered with Southface Energy Institute (Southface)—a member of the U.S. Department of Energy’s Partnership for Home Innovation Building America research team—to rehabilitate 418 low-income multifamily rental apartments located at 14 properties in Georgia (International Energy Conservation Code Climate Zones 2–4). These 22-year-old units with individual utility meters were arranged in row house or townhouse style. Rehabilitation plans were developed using a process prescribed by the U.S. Department of Agriculture (USDA) Rural Development program, which partially funded the building upgrades. The USDA is responsible for building, upgrading, and subsidizing housing in rural areas nationwide; this housing includes more than 14,000 existing multifamily housing developments. In 2012, more than $100 million in grants and loans were allocated for that purpose.

  12. 7 CFR 1610.4 - Loan applications.

    Science.gov (United States)

    2010-01-01

    ... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available from...

  13. 49 CFR 260.9 - Loan terms.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...

  14. 7 CFR 770.5 - Loan limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...

  15. 7 CFR 1435.101 - Loan rates.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...

  16. 7 CFR 771.5 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...

  17. 7 CFR 774.22 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...

  18. 7 CFR 1779.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...

  19. 7 CFR 771.13 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...

  20. 5 CFR 1655.21 - Loan fee.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...

  1. Race and Subprime Loan Pricing

    OpenAIRE

    Hernandez, Ruben; Owyang, Michael; Ghent, Andra

    2011-01-01

    In this paper we investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood-level data on racial and ethnic characteristics for metropolitan areas in California and Florida. Using a model of rate determination that accounts for predicted loan performance, we evaluate the presence of disparate impact and dispar...

  2. 12 CFR 950.17 - Advances to housing associates.

    Science.gov (United States)

    2010-01-01

    ... that such collateral comprises mortgage loans on one-to-four family or multifamily residential property... located in the Bank's district. (b) Collateral requirements—(1) Advances to housing associates. A Bank may make an advance to any housing associate upon the security of the following collateral: (i) Mortgage...

  3. New industrialised housing model for young starters in Malaysia : Identifying problems for the formulation of a new business model for the housing industry

    NARCIS (Netherlands)

    Wamelink, J.W.F.; Gruis, V.; John, L.H.; Zairul, M.N.

    2015-01-01

    Young people are currently facing a considerable risk when it comes to increasing house prices and interest rates as a substantial portion of their monthly income. This is due to the fact that they now have a responsibility in making monthly repayments of their housing loans. The current housing

  4. 27 CFR 6.61 - Guaranteeing loans.

    Science.gov (United States)

    2010-04-01

    ... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...

  5. 24 CFR 200.25 - Supplemental loans.

    Science.gov (United States)

    2010-04-01

    ... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...

  6. 76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures

    Science.gov (United States)

    2011-02-07

    ... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...

  7. SAIL: automating interlibrary loan.

    Science.gov (United States)

    Lacroix, E M

    1994-01-01

    The National Library of Medicine (NLM) initiated the System for Automated Interlibrary Loan (SAIL) pilot project to study the feasibility of using imaging technology linked to the DOCLINE system to deliver copies of journal articles. During the project, NLM converted a small number of print journal issues to electronic form, linking the captured articles to the MEDLINE citation unique identifier. DOCLINE requests for these journals that could not be filled by network libraries were routed to SAIL. Nearly 23,000 articles from sixty-four journals recently selected for indexing in Index Medicus were scanned to convert them to electronic images. During fiscal year 1992, 4,586 scanned articles were used to fill 10,444 interlibrary loan (ILL) requests, and more than half of these were used only once. Eighty percent of all the articles were not requested at all. The total cost per article delivered was $10.76, substantially more than it costs to process a photocopy request. Because conversion costs were the major component of the total SAIL cost, and most of the articles captured for the project were not requested, this model was not cost-effective. Data on SAIL journal article use was compared with all ILL requests filled by NLM for the same period. Eighty-eight percent of all articles requested from NLM were requested only once. The results of the SAIL project demonstrated that converting journal articles to electronic images and storing them in anticipation of repeated requests would not meet NLM's objective to improve interlibrary loan. PMID:8004020

  8. Relevansi Nilai Selisih Loans Book Value dan Loans Fair Value, Book Value Per Share, Earnings Per Share dan Ukuran Perusahaan

    Directory of Open Access Journals (Sweden)

    Dina Bakti Pertiwi

    2015-01-01

    Full Text Available One of the impacts of IFRS convergence is the tendency to leave historical cost to the fair value primarily for financial instruments, one of which is bank loans. Therefore, the benefit of the use of historical cost and fair value needs to be examined. This study aims to evaluate the relationship of the difference between loan book value and fair value, book value per share, earnings per share and the company size to the stock price of banks that use accounting standard that has been converged to IFRS. The samples used are banks listed in Indonesia Stock Exchange during the period of 2010-2013. The relationship between the difference loans book value and fair value, book value per share, earnings per share and the size with the stock price were analyzed using multiple linear regression. The results of this study indicate that the difference between loans book value and fair value, book value per share, earnings per share and the size can be used to predict the stock price of bank. Thus, the difference between loan book value and fair value of financial instruments have a relevant value.

  9. “To Live in Hearts We Leave Behind is Not to Die.” Remembrance Sunday at Pusey House, Oxford University, A Review of Worship at Oxford University

    Directory of Open Access Journals (Sweden)

    Peter L. Kraus

    2017-04-01

    Full Text Available In recent years, religious participation by students of all faiths at Universities in the United Kingdom has seen a steady increase in attendance. This brief essay is a case study of worship by members of the University Community at Pusey House at the University of Oxford, which reflects the trend. On a crisp fall, November day, the twenty-third Sunday after Trinity (8th of November 2015 I had the opportunity to attend services at Pusey House, Oxford on Remembrance Sunday while on sabbatical at The University of Oxford (St. Stephen’s House.

  10. 75 FR 9867 - Discontinuation of the Notice of Availability of Funding; Multi-Family Housing, Single Family...

    Science.gov (United States)

    2010-03-04

    ... Discontinuation of the Notice of Availability of Funding; Multi- Family Housing, Single Family Housing AGENCY... its existing and continuing Multi-Family and Single-Family Housing programs for which it receives... Analyst, Multi- Family Housing Programs, telephone 202-720-1753 and Myron Wooden, Loan Specialist, Single...

  11. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

    In “Using Collateral to Secure Loans,” Yaron Leitner asks: Why is collateral used to secure some loans, but not others? And why does collateral potentially involve more risk? He considers these questions, looking at some of the explanations for using collateral, focusing on its benefits and drawbacks.

  12. Credit Derivatives and Loan Pricing

    NARCIS (Netherlands)

    Norden, L.; Wagner, W.B.

    2007-01-01

    This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan

  13. 12 CFR Appendix III to Part 27 - Fair Housing Lending Inquiry/Application Log Sheet

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Fair Housing Lending Inquiry/Application Log Sheet III Appendix III to Part 27 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY FAIR HOUSING HOME LOAN DATA SYSTEM Pt. 27, App. III Appendix III to Part 27—Fair Housing Lending...

  14. 24 CFR 888.305 - Amount of the retroactive Housing Assistance Payments.

    Science.gov (United States)

    2010-04-01

    ... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE HOUSING FOR PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM-FAIR MARKET..., Section 202 Elderly or Handicapped, and Special Allocations Projects § 888.305 Amount of the retroactive...

  15. 75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2010-08-30

    ... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...

  16. Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.

    Science.gov (United States)

    Office of Federal Student Aid (ED), Washington, DC.

    This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…

  17. 78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review

    Science.gov (United States)

    2013-10-28

    ... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...

  18. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

    ... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...

  19. 77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2012-03-07

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...

  20. 7 CFR 1735.73 - Loan design.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737. ...

  1. 7 CFR 1980.481 - Insured loans.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...

  2. 7 CFR 773.7 - Loan uses.

    Science.gov (United States)

    2010-01-01

    ... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...

  3. 44 CFR 206.371 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...

  4. 7 CFR 1776.16 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...

  5. 5 CFR 1620.35 - Loan payments.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...

  6. 14 CFR 1300.15 - Loan terms.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...

  7. 75 FR 14331 - Disaster Assistance Loan Program

    Science.gov (United States)

    2010-03-25

    ... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...

  8. 44 CFR 206.361 - Loan program.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...

  9. 5 CFR 1655.12 - Loan agreement.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...

  10. 7 CFR 771.15 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...

  11. 77 FR 59346 - Payday-Alternative Loans

    Science.gov (United States)

    2012-09-27

    ... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...

  12. 31 CFR 25.400 - Loan provisions.

    Science.gov (United States)

    2010-07-01

    ... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...

  13. 7 CFR 1434.18 - Loan repayments.

    Science.gov (United States)

    2010-01-01

    ... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...

  14. 7 CFR 764.402 - Loan closing.

    Science.gov (United States)

    2010-01-01

    ... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...

  15. 24 CFR 882.403 - ACC, housing assistance payments contract, and lease.

    Science.gov (United States)

    2010-04-01

    ... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE... contracted for is the total of the Moderate Rehabilitation Fair Market Rents for all the units. The fee for...

  16. 24 CFR 886.334 - Execution of housing assistance payments contract.

    Science.gov (United States)

    2010-04-01

    ... DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811 SUPPORTIVE... Market Rent or the exception rent provided in § 886.310 in effect at the time of execution of the...

  17. 77 FR 76414 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-28

    ... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...

  18. Corporate boards and bank loan contracting

    OpenAIRE

    Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

    2012-01-01

    We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...

  19. A new Loan-Stock Financial Instrument

    OpenAIRE

    Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri

    2000-01-01

    A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...

  20. Clay Houses

    Science.gov (United States)

    Pedro, Cathy

    2011-01-01

    In this article, the author describes a project designed for fourth-graders that involves making clay relief sculptures of houses. Knowing the clay houses will become a family heirloom makes this lesson even more worth the time. It takes three classes to plan and form the clay, and another two to underglaze and glaze the final products.

  1. 78 FR 52460 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-08-23

    ... administrative appeal provisions of 7 CFR part 11 must be exhausted. Unfunded Mandates Reform Act Title II of the... particularly being sought. When providing a comment, please provide the rational for the comment as well as any...

  2. 78 FR 65582 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-11-01

    .... Department of Agriculture (USDA) prohibits discrimination against its customers, employees, and applicants for employment on the bases of race, color, national origin, age, disability, sex, gender identity....) If you wish to file a Civil Rights program complaint of discrimination, complete the USDA Program...

  3. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    .... The term ``MSA (Metropolitan Statistical Area)'' was added as it is a term the Office of Management... statistics. The term ``new dwelling'' was amended to achieve consistency with other Agency program... Government. One respondent recommended establishing a delinquency goal to improve and monitor a lender's...

  4. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

    ... Statement The USDA prohibits discrimination in all its programs and activities on the basis of race, color... SFHGLP. Four commenters expressed understanding of the budgetary motivation for RHS shifting to an up...

  5. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...

  6. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

    Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

  7. Tech House

    Science.gov (United States)

    1978-01-01

    The members of the Swain family- Dr. Charles "Bill" Swain, wife Elaine, daughter Carol, 17, son "Chuck", 12, and dog Susie have an interesting assignment. They are active participants in an important NASA research program involving the application of space-age technology to home construction. b' Transplanted Floridians, the Swains now reside in NASA's Tech House, loatedat Langley Research Center, Hampton, Virginia. Their job is to use and help evaluate the variety of advanced technology systems in Tech House. A contemporary three-bedroom home, Tech House incorporates NASA technology, the latest commercial building techniques and other innovations, all designed to reduce energy and water consumption and to provide new levels of comfort, convenience, security and fire safety. Tech House equipment performed well in initial tests, but a house is not a home until it has people. That's where the Swains come in. NASA wants to see how the various systems work under actual living conditions, to confirm the effectiveness of the innovations or to determine necessary modifications for improvement. The Swains are occupying the house for a year, during which NASA engineers are computer monitoring the equipment and assembling a record of day-to-day performance. . Tech House is a laboratory rather than a mass production prototype, but its many benefits may influence home design and construction. In a period of sharply rising utility costs, widespread adoption of Tech House features could provide large-scale savings to homeowners and potentially enormous national benefit in resources conservation. Most innovations are aerospace spinoffs: Some of the equipment is now commercially available; other systems are expected to be in production within a few years. Around 1980, a Tech House-type of home could be built for $45-50,000 (1 976 dollars). It is estimated that the homeowner would save well over $20,000 (again 1976 dollars) in utility costs over the average mortgage span of 20 years.

  8. CDBG Housing Activity

    Data.gov (United States)

    Department of Housing and Urban Development — CDBG activity related to housing, including multifamily rehab, housing services, code enforcement, operation and repair of foreclosed property and public housing...

  9. 76 FR 11256 - Notice of Proposed Information Collection: Comment Request Loan Sales Bidder Qualification Statement

    Science.gov (United States)

    2011-03-01

    ... Information Collection: Comment Request Loan Sales Bidder Qualification Statement AGENCY: Office of the... Sales Office, Room 3136, Department of Housing and Urban Development, 451 Seventh Street, SW... techniques of other forms of information technology, e.g., permitting electronic submission of responses...

  10. 76 FR 49477 - Termination of Federal Home Loan Bank Resolution Funding Corporation Obligation

    Science.gov (United States)

    2011-08-10

    ... FEDERAL HOUSING FINANCE AGENCY [No. 2011-N-08] Termination of Federal Home Loan Bank Resolution... Banks (Banks) have satisfied their statutory obligation to contribute a percentage of their annual net earnings toward the interest payments due on bonds issued by the Resolution Funding Corporation (RefCorp...

  11. White House

    Science.gov (United States)

    ... content Jump to navigation the WHITE HOUSE President Donald J. Trump Get in Touch Home Briefing Room From the ... For All Americans The Administration The Administration President Donald J. Trump Vice President Mike Pence First Lady Melania Trump ...

  12. Conformal house

    DEFF Research Database (Denmark)

    Ryttov, Thomas Aaby; Sannino, Francesco

    2010-01-01

    fixed point. As a consistency check we recover the previously investigated bounds of the conformal windows when restricting to a single matter representation. The earlier conformal windows can be imagined to be part now of the new conformal house. We predict the nonperturbative anomalous dimensions...... at the infrared fixed points. We further investigate the effects of adding mass terms to the condensates on the conformal house chiral dynamics and construct the simplest instanton induced effective Lagrangian terms...

  13. Evaluation Of Loan Disbursement And Repayment Of Supervised ...

    African Journals Online (AJOL)

    Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.

  14. Discriminant Analysis of Student Loan Applications

    Science.gov (United States)

    Dyl, Edward A.; McGann, Anthony F.

    1977-01-01

    The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)

  15. Financial Management: Emergency Steel Loan Guarantee Program

    National Research Council Canada - National Science Library

    2001-01-01

    In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...

  16. 7 CFR 1718.103 - Loan contract provisions.

    Science.gov (United States)

    2010-01-01

    ... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...

  17. 76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)

    Science.gov (United States)

    2011-09-30

    ... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...

  18. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...

  19. 75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-09-16

    ...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...

  20. Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans

    NARCIS (Netherlands)

    Gong, D.

    2014-01-01

    In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific

  1. Promoting renewables through soft loans

    International Nuclear Information System (INIS)

    Marcks, C.

    1999-01-01

    The DtA, founded in 1950s, is a federal institution owned by the German government. It assists the government to implement its economic, environmental and social policy. Financial assistance is being granted mainly through soft loans. Such loans are a flexible instrument, permitting to partially correct prices without severely distorting market forces. They assure total financing while spreading the subsidy over the entire period of the engagement. This avoids windfall opportunities often related to direct subsidies. Investors, therefore, have an intrinsic motivation to only submit sound and profitable projects. (orig./RHM)

  2. 76 FR 5055 - Loan Servicing; Farm Loan Programs

    Science.gov (United States)

    2011-01-28

    ... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...

  3. 7 CFR 771.14 - Loan monitoring.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...

  4. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

    While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…

  5. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...

  6. DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA

    Directory of Open Access Journals (Sweden)

    Akwaa-Sekyi, Ellis Kofi

    2015-05-01

    Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.

  7. 11 CFR 100.82 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

  8. 11 CFR 100.142 - Bank loans.

    Science.gov (United States)

    2010-01-01

    ... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

  9. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

    Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.

    2011-01-01

    Loan rates for seemingly identical borrowers often exhibit substantial dispersion. This paper investigates the determinants of the dispersion in interest rates on loans granted by banks to small and medium sized enterprises. We associate this dispersion with the loan officers’ use of “discretion” in

  10. 7 CFR 761.8 - Loan Limitations.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...

  11. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

    To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…

  12. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

    ... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...

  13. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

    ... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...

  14. Interlibrary Loan Communications Subsystem: Users Manual.

    Science.gov (United States)

    OCLC Online Computer Library Center, Inc., Dublin, OH.

    The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…

  15. An Estimated DSGE Model with a Housing Sector for the Czech Economy

    Directory of Open Access Journals (Sweden)

    Miroslav Hloušek

    2016-12-01

    Full Text Available This paper uses an estimated DSGE model with an explicit housing sector to analyse the role of the housing sector and housing collateral for business cycle fluctuations in the Czech economy. The baseline results show that the development in the housing market has negligible effect on the rest of the economy. Counterfactual experiments indicate that the spill-overs increases with looser credit standards, if banks provide loans for higher value of houses. Similarly, with the higher loan-to-value ratios the transmission mechanism of monetary policy also seems to strengthen, with the key rates having bigger influence on the consumption and output. Looking at the development in house prices, the recent boom and bust is found to have been caused primarily by housing preference shocks (demand side shocks. Supply shocks are also found to have been significant, but to a much lesser extent.

  16. 78 FR 45617 - Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education...

    Science.gov (United States)

    2013-07-29

    ..., et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education... General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL...

  17. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

    Less-intense competition for deposits, by mitigating banks’ incentive to take excessive risks, is traditionally believed to lead to lower non-performing loan (NPL) ratios and more-stable banks. This paper revisits this proposition in a model with borrower moral hazard in which banks’ NPL ratios

  18. Microcomputers: An Interlibrary Loan Application.

    Science.gov (United States)

    Evans, Elizabeth A.

    1984-01-01

    Description of a microcomputer-based system for local processing of interlibrary loan (ILL) requests developed at Environmental Protection Agency library discusses database management systems, hardware, databases, and command files. Subsequent changes resulting from system's implementation at East Carolina University Health Sciences Library are…

  19. Bank Consolidation and Consumer Loan Interest Rates

    OpenAIRE

    Charles Kahn; George Pennacchi; Ben Sopranzetti

    2001-01-01

    The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...

  20. Active house

    DEFF Research Database (Denmark)

    Eriksen, Kurt Emil; Olesen, Gitte Gylling Hammershøj

    Formålet med dette abstrakt er at illustrere, at huse kan være konstrueret til at basere sig udelukkende på vedvarende energikilder og samtidig være CO2-neutrale og producere mere energi end de forbruger. Active House Visionen undersøger disse muligheder i otte demonstration huse i fem forskellige...

  1. 7 CFR 1955.111 - Sale of real estate for RH purposes (housing).

    Science.gov (United States)

    2010-01-01

    ... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE (CONTINUED) PROGRAM REGULATIONS (CONTINUED) PROPERTY MANAGEMENT Disposal of... Housing Act of 1949, as amended, (RH property). Single family units (generally which secured loans made...

  2. 12 CFR 960.3 - Standby letters of credit on behalf of housing associates.

    Science.gov (United States)

    2010-01-01

    ... associates with asset/liability management; or (4) To provide housing associates with liquidity or other... associates. 960.3 Section 960.3 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK ASSETS... facilitating residential or commercial mortgage lending that benefits individuals or families meeting the...

  3. 24 CFR 888.115 - Fair market rents for existing housing: Manner of publication.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Fair market rents for existing..., SECTION 202 DIRECT LOAN PROGRAM, SECTION 202 SUPPORTIVE HOUSING FOR THE ELDERLY PROGRAM AND SECTION 811... MARKET RENTS AND CONTRACT RENT ANNUAL ADJUSTMENT FACTORS Fair Market Rents § 888.115 Fair market rents...

  4. 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...

  5. Parental Leave in Denmark

    DEFF Research Database (Denmark)

    Rostgaard, Tine; Christoffersen, Mogens; Weise, Hanne

    This artcle considders the political aims for different leave schemes and reviews studies af these schemes. The use of parental leave is sensitive to the financial loss involved in taking leave: a decrease in the benefit payments has had a significant influence on take-up, while, in general, fami......, families'' loss of income is less if leave is taken up by the mothers. Only few fathers participate in parental leave....

  6. Possible financing schemes for one-stop-shop service for sustainable renovation of single-family houses

    DEFF Research Database (Denmark)

    Mahapatra, Krushna; Gustavsson, Leif; Haavik, Trond

    energy use behaviour of the occupants and the difficulty to predict future energy prices. The options to finance energy efficiency renovations include homeowners’ own resources, mortgage refinancing, flex loan, personal loan, financing by service providers, preferential loan, subsidies/grants, credit...... for the homeowners, and banks will have a less risky asset in their portfolio. In situations where homeowners cannot avail additional mortgage financing, e.g. those who recently purchased a house and used the limit to such loans, banks may consider an energy efficient renovation plan prepared by an entrepreneur...

  7. Smart Houses

    Science.gov (United States)

    1987-01-01

    GWS takes plans for a new home and subjects them to intensive computerized analysis that does 10,000 calculations relative to expected heat loss and heat gain, then provides specifications designed specifically for each structure as to heating, cooling, ventilation and insulation. As construction progresses, GWS inspects the work of the electrical, plumbing and insulation contractors and installs its own Smart House Radiant Barrier. On completion of the home, GWS technicians use a machine that creates a vacuum in the house and enables computer calculation of the air exchanged, a measure of energy efficiency. Key factor is the radiant barrier, borrowed from the Apollo program. This is an adaptation of a highly effective aluminized heat shield as a radiation barrier holding in or keeping out heat, cold air and water vapor.

  8. Multifamily Housing Rehabilitation Process Improvements

    Energy Technology Data Exchange (ETDEWEB)

    Sweet, Marshall L. [Partnership for Home Innovation, Upper Marlboro, MD (United States); Francisco, Abby [Partnership for Home Innovation, Upper Marlboro, MD (United States); Roberts, Sydney G. [Partnership for Home Innovation, Upper Marlboro, MD (United States)

    2016-03-01

    Rea Ventures Group, LLC, (Rea Ventures) partnered with Southface Energy Institute (Southface) on the rehabilitation of 418 low-income rental multifamily apartments located at 14 different properties in Georgia (Climate Zones 2-4). These 22-year old, individually-metered units were arranged in rowhouse or townhouse style units. Rehabilitation plans were developed using a process prescribed by the US Department of Agriculture (USDA) Rural Development program, who partially funded the building upgrades. The USDA is responsible for building, upgrading, and subsidizing housing in rural areas nationwide. In 2012, over $100 million was allocated in grants and loans. Due to the unique financing mechanism as well as long-term ownership requirements, property owners are especially motivated to invest in upgrades that will increase durability and tenant retention. These buildings represent a large stock of rural affordable housing that have the potential for significant energy and cost savings for property owners and tenants. Southface analyzed the energy upgrade potential of one stereotypical property in the Rea Ventures portfolio. This study will provide insight into the most cost-effective, implementable energy efficiency and durability upgrades for this age multifamily housing, having an enormous impact not only on the portfolio of Rea Ventures but on the vast USDA and larger Federal portfolio. Additionally, Southface will identify gaps in the current capital needs assessment process, examine available audit and simulation tools and protocols, and evaluate additional auditor training or certification needs.

  9. IREDA guidelines for loan assistance

    International Nuclear Information System (INIS)

    Anon.

    1992-01-01

    Indian Renewable Energy Development Agency Ltd. (IREDA) is a public sector undertaking of the Government of India. It was established in 1987 and works under Department of Non-Conventional Energy Sources (DNES). Its functions are to promote, develop and finance new and renewable sources of energy (NRSE). Guidelines for loan assistance from IREDA for different renewable energy sources are given. (M.G.B.)

  10. Gender and banking : Are women better loan officers?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Guttler, A.

    2013-01-01

    Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers’ performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by

  11. 24 CFR 201.40 - Post-disbursement loan requirements.

    Science.gov (United States)

    2010-04-01

    ...-disbursement loan requirements. (a) Discovery of misstatements of fact. If, after a loan has been made, the lender discovers any material misstatement of fact or that the loan proceeds have been misused by the... insurance of the loan shall not be affected unless such material misstatement of fact or misuse of loan...

  12. 7 CFR 1927.56 - Scheduling loan closing.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.56 Scheduling loan closing. The agency, in coordination with the closing agent, will arrange a loan closing and send loan closing instructions, on an agency form to the closing agent when the agency determines that the...

  13. 12 CFR 614.4470 - Loans subject to bank approval.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...

  14. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false The telephone loan budget. 1744.63 Section 1744.63... Disbursement of Funds § 1744.63 The telephone loan budget. When the loan is made, RUS provides the borrower a Telephone Loan Budget, RUS Form 493. This budget divides the loan into budget accounts such as “Engineering...

  15. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...

  16. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...

  17. 24 CFR 201.51 - Proceeding against the loan security.

    Science.gov (United States)

    2010-04-01

    ....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...

  18. 7 CFR 1735.46 - Loan security documents.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...

  19. 7 CFR 1718.104 - Availability of model loan contract.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...

  20. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

    ... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...

  1. 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...

  2. Goodbye, Mandatory Maternity Leaves

    Science.gov (United States)

    Nation's Schools, 1972

    1972-01-01

    In precedent-setting decrees, courts and federal and State authorities have branded compulsory maternity leaves either unconstitutional or illegal. School administrators are urged to prod boards of education to adopt more lenient maternity leave policies -- now. (Author)

  3. Leaving home in Denmark

    DEFF Research Database (Denmark)

    Nielsen, Rikke Skovgaard

    2015-01-01

    The paper focuses on ethnic differences in the timing and patterns of leaving the parental home. Leaving home is a key transition in the life course of the individual, and extensive research has been conducted on the timing and patterns of leaving it. However, ethnic differences in these patterns...... of leaving home. Results showed that while some differences disappeared when controlling for covariates, others persisted, thus indicating ethnic differences in home-leaving patterns. A strong link between leaving home and marriage was substantiated for Turks, but not for Somalis. The home-leaving patterns...... of Somalis were much more similar to those of Danes. Overall, Turkish descendants were similar to Turkish immigrants but with some differentiation. The analyses identified the existence of ethnic differences in home-leaving patterns but also found evidence of a shift towards less traditional patterns, i...

  4. 77 FR 42085 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-07-17

    ... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...

  5. 77 FR 66087 - Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford Federal...

    Science.gov (United States)

    2012-11-01

    ..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...

  6. Syndicated Loan Signed for CPECC'S KUWAIT Project

    Institute of Scientific and Technical Information of China (English)

    1997-01-01

    @@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.

  7. Collateralised loan obligations (CLOs): A primer

    OpenAIRE

    Jobst, Andreas A.

    2002-01-01

    The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...

  8. Collateral in Loan Classification and Provisioning

    OpenAIRE

    In W Song

    2002-01-01

    Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...

  9. Sydney Opera House Rise

    DEFF Research Database (Denmark)

    2013-01-01

    Sydney Opera House Exhibition (2013) A CITA research and exhibition project, for Sydney Opera House exhibition "Danish Design at the House".......Sydney Opera House Exhibition (2013) A CITA research and exhibition project, for Sydney Opera House exhibition "Danish Design at the House"....

  10. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

    This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject...... potentially other explanations such as firm characteristics or agency problems between the lender and firm management, shareholders or public debtholders. After covenant violations in the prior contract, new loans have on average 18 bps higher spreads and include more of those covenant types which also have...

  11. 7 CFR 1738.30 - Rural broadband access loans and loan guarantees.

    Science.gov (United States)

    2010-01-01

    ... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...

  12. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

    ...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...

  13. 77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making

    Science.gov (United States)

    2012-08-27

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...

  14. Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes

    Science.gov (United States)

    Norvilitis, Jill M.; Bat, Meghan J.

    2016-01-01

    Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…

  15. 76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date

    Science.gov (United States)

    2011-07-19

    ... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...

  16. 78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013

    Science.gov (United States)

    2013-01-04

    ... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...

  17. 38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan purposes, maximum loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...

  18. 78 FR 77450 - Fannie Mae and Freddie Mac Loan Purchase Limits: Request for Public Input on Implementation Issues

    Science.gov (United States)

    2013-12-23

    ... 20, 2014. Communications may be addressed to Federal Housing Finance Agency, (OPAR), [email protected] . Communications to FHFA may be made public and posted without change on the FHFA Web site at... 2011 loan limit reduction was substantively smaller. BILLING CODE 8070-01-P [[Page 77455

  19. 7 CFR 773.21 - Loan decision, closing, and fees.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...

  20. Customer Satisfaction on Small Business Loan by BDO Unibank Inc.: Basis for Service Enhancement

    Directory of Open Access Journals (Sweden)

    AILEN P. DEVICAIS

    2014-06-01

    Full Text Available Due to global economic shifts, many businesses especially in service sector modified the way they do their business, attempted to attract and hold customers. They tend to focus in providing quality customer service and environment in which clientele wants are satisfied. This study aimed to propose customer satisfaction enhancement measures on small business loan offered by BDO Unibank, Inc. in Batangas City. Specifically, it aimed to determine the level of customers’ satisfaction in terms of Personal Skills and Business Environment and to test if such service quality dimensions significantly relate with their demographic variables. The descriptivecorrelation method of research was used in the study. The study showed customers of BDO who availed small business loan in 2012 are relatively middle aged female having loan availment of One Million to Five Million. Most of them are first timer and repeat clients. Almost all rated customer service on small business loan as to Personal Skills and Business environment as highly satisfied, however BDO still needs to provide services that make all quality services dimensions highly satisfied. The assessment of the personal skills is affected by what kind of occupation the client has and frequency of his/her loan availment. For only empathy and responsiveness among SERVQUAL dimensions when correlated to nature of work and number of loan availment show significant relationship, thus leaving the null hypothesis rejected. On the other hand, the level of customer satisfaction as to business environment is being affected by processing transaction and safety and security since both show significant relationship on the total amount availed and the respondents age. This was supported by the resulted p-values and indicates that the above mentioned variables were affected by their profile. Proposed service enhancement measures were based on results of the quality service dimensions as assessed by the loan customers.

  1. Housing markets and housing policies in India

    OpenAIRE

    Tiwari, Piyush; Rao, Jyoti

    2016-01-01

    Issues of housing in India are synonymous with ignorance of housing in active government involvement at the policy and program formulation levels. They are also due to the problems that unplanned urbanization, income disparity, poverty, illiteracy, and unemployment brought. These issues extenuated the housing problem, causing a housing shortage of 51 million in 2011. Though India has a long history of establishing policies, programs, and institutions to cater to housing, without allocating ad...

  2. Gender and Banking: Are Women Better Loan Officers?

    OpenAIRE

    Thorsten Beck; Patrick Behr; Andre Guettler

    2013-01-01

    We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or exp...

  3. The determinants of loan contracts to business firms

    OpenAIRE

    Pham, Thi Thu Trà; Lensink, Robert

    2006-01-01

    This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan contract terms. Also, we try to determine which firm characteristics and exogenous factors are rele...

  4. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...

  5. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...

  6. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

    ... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...

  7. Reactor upgrade loans in spring?

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    The European Bank for Reconstruction and Development (EBRD) could start to make loans for immediate safety improvements on eastern European reactors in the first half of 1993, according to Francois Demarcq, the bank's project manager for the nuclear safety account. He reported to the German Atomforum meeting in Bonn on January 26; progress at last seems to be forthcoming on the proposals for urgent assistance put forward last year by the Group of 24 Organization for Economic Cooperation and Development countries in Lisbon last June and the Group of 7 summit meeting in Bonn in July

  8. 12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?

    Science.gov (United States)

    2010-01-01

    .... Loans that are excepted from the definition of member business loans are not counted for the purpose of... automobile loans, 20% credit card loans, and 13% total other real estate loans, then the credit union meets...

  9. Negative leave balances

    CERN Multimedia

    Human Resources Department

    2005-01-01

    Members of the personnel entitled to annual leave and, where appropriate, saved leave and/or compensatory leave are requested to take note of the new arrangements described below, which were recommended by the Standing Concertation Committee (SCC) at its meeting on 1Â September 2005 and subsequently approved by the Director-General. The changes do not apply to members of the personnel participating in the Progressive Retirement Programme (PRP) or the Part-time Work as a pre-retirement measure, for whom the specific provisions communicated at the time of joining will continue to apply. Â Negative balances in annual leave, saved leave and/or compensatory leave accounts at the end of the leave year (30th September) and on the date on which bonuses are credited to the saved leave account (31st December): Where members of the personnel have a leave account with a negative balance on 30Â September and/or 31Â December, leave will automatically be transferred from one account to another on the relevant dates i...

  10. Negative leave balances

    CERN Multimedia

    Human Resources Department

    2005-01-01

    Members of the personnel entitled to annual leave and, where appropriate, saved leave and/or compensatory leave are requested to take note of the new arrangements described below, which were recommended by the Standing Concertation Committee (SCC) at its meeting on 1 September 2005 and subsequently approved by the Director-General. The changes do not apply to members of the personnel participating in the Progressive Retirement Programme (PRP) or the Part-time Work as a pre-retirement measure, for whom the specific provisions communicated at the time of joining will continue to apply.  Negative balances in annual leave, saved leave and/or compensatory leave accounts at the end of the leave year (30th September) and on the date on which bonuses are credited to the saved leave account (31st December): Where members of the personnel have a leave account with a negative balance on 30 September and/or 31 December, leave will automatically be transferred from one account to another on the relevant dates in or...

  11. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

    Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.

    2007-01-01

    We propose a heteroscedastic regression model to identify the determinants of the dispersion in interest rates on loans granted to small and medium sized enterprises. We interpret unexplained deviations as evidence of the banks’ discretionary use of market power in the loan rate setting process.

  12. Microcredit Loan Repayment Default among Small Scale ...

    African Journals Online (AJOL)

    The model is applied to primary data from a survey of 200 small scale entrepreneurs in the Upper West Region of Ghana. Results show that enterprise size, interest rate, loan duration, level of profit and loan amount are the simultaneous determinants of probability and rate of default. The study recommends that the National ...

  13. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.34 Section 4043.34 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...

  14. 19 CFR 351.505 - Loans.

    Science.gov (United States)

    2010-04-01

    ... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of the firm's future financial position, such as market studies, country and industry economic forecasts... principal of the loan. (d) Contingent liability interest-free loans—(1) Treatment as loans. In the case of...

  15. The Confidentiality of Interlibrary Loan Records.

    Science.gov (United States)

    Nolan, Christopher W.

    1993-01-01

    Discusses potential problems for confidentiality within interlibrary loan requests, outlines legal issues related to confidentiality, and proposes guidelines intended to protect library users' rights to privacy. Interlibrary loan documentation procedures are considered; laws and professional standards are reviewed; and the disposition of…

  16. Economic Loan Loss Provision and Expected Loss

    Directory of Open Access Journals (Sweden)

    Stefan Hlawatsch

    2010-10-01

    Full Text Available The intention of a loan loss provision is the anticipation of the loan's expected losses by adjusting the book value of the loan. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and, in the case of a difference, liable equity has to be adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS. Therefore, differences between loan loss provisions and expected losses should only result from different approaches regarding the parameter estimation within each model and not due to different assumptions regarding the outcome of the model. The provisioning and accounting model developed in this paper overcomes the before-mentioned shortcomings and is consistent with an economic rationale of expected losses. Additionally, this model is based on a close-to-market valuation of the loan that is in favor of the basic idea of IFRS. Suggestions for changes in current accounting and capital requirement rules are provided.

  17. 19 CFR 351.506 - Loan guarantees.

    Science.gov (United States)

    2010-04-01

    ... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.506 Loan guarantees. (a) Benefit—(1) In general. In the case of a loan guarantee, a benefit exists to the extent that the total amount a firm pays for...

  18. 12 CFR 614.4330 - Loan participations.

    Science.gov (United States)

    2010-01-01

    ... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing...

  19. Tranching in the Syndicated Loan Market

    NARCIS (Netherlands)

    Cumming, D.; McCahery, J.A.; Schwienbacher, A.

    2011-01-01

    We use data comprising over 100,000 loans from 115 countries during 1995-2009 to examine factors that affect the extent of loan tranching, and the range of tranche spreads. The data show five factors that drive them: asymmetric information, borrower risk, transaction costs, the presence of

  20. 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...

  1. Uranium loans: Delaying the day of reckoning

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

    Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases? For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At current prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible

  2. Logit Analysis for Profit Maximizing Loan Classification

    OpenAIRE

    Watt, David L.; Mortensen, Timothy L.; Leistritz, F. Larry

    1988-01-01

    Lending criteria and loan classification methods are developed. Rating system breaking points are analyzed to present a method to maximize loan revenues. Financial characteristics of farmers are used as determinants of delinquency in a multivariate logistic model. Results indicate that debt-to-asset and operating ration are most indicative of default.

  3. 44 CFR 206.367 - Loan repayment.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan repayment. 206.367 Section 206.367 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in...

  4. 78 FR 33755 - Project Financing Loans

    Science.gov (United States)

    2013-06-05

    ... CFR Part 1710 [0572-AC21] Project Financing Loans AGENCY: Rural Utilities Service, USDA. ACTION... also considering regulations to clarify the agency's procedures for single asset/project financing... parameters necessary to more effectively and prudently use project financing in the RUS electric loan program...

  5. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

    ... to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1515 Loan... 42 Public Health 1 2010-10-01 2010-10-01 false Loan closing. 57.1515 Section 57.1515 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING...

  6. The Temporary Leave Dilemma -

    DEFF Research Database (Denmark)

    Amilon, Anna

    2010-01-01

    Lone mothers have to take care of a sick child with little or no help from the child’s other parent and have to carry all costs connected to leave-taking. This paper empirically tests whether lone mothers take more temporary parental leave to care for sick children than partnered mothers...... and whether parental leave is associated with a signaling cost. The results from this study of Swedish mothers show that lone mothers use more temporary parental leave than partnered mothers. Further, within the group of lone mothers, those with higher socioeconomic status take less temporary parental leave...... than those with lower socioeconomic status, whereas no such differences are found within the group of partnered mothers. One possible interpretation is that signaling costs negatively influence the utilization of temporary parental leave for lone mothers....

  7. The Relationship between Housing Finance and Macroeconomics Variables in Malaysia

    Directory of Open Access Journals (Sweden)

    Binti Mohd Shukor Nur Baizura

    2016-01-01

    Full Text Available Housing finance is one of the factors that contribute in the overall economy growth of the country. The purpose of this paper is to analyse the relationship of housing finance variable and the macroeconomic variables in Malaysia. By adopting time series technique of Vector Auto regression (VAR and Impulse Response to determine the dynamic relationship between the macroeconomic and housing finance variable. The cointegration result shows that there exists a long run relationship between the macroeconomic variable and housing finance variable. The finding from impulse response function indicates that Gross Domestic Product (GDP response positively to the Primary Mortgage Market (PMM, which shows that during the good economy there are more housing loan extends by the banking institution. Meanwhile, interest rate response negatively to Secondary Mortgage Market (SMM, which implies that during the financial crisis, more housing loan sold to the Secondary Mortgage Market as one of the measure by the government to increase liquidity in banking institutions. As a conclusion, there is presence of relationship between the variable which change in one variable will affect the other variable in the long run.

  8. The relevance of the housing market for the banks’ risk profile in Albania

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2016-06-01

    Full Text Available The housing market is an important sector for Albanian banks. Housing market financing dominates retail loans, and at the same time, houses represent a high share of the pledged collateral. This study aims to evaluate the role that the housing market plays in the Albanian banks’ risk-taking profile. The empirical work confirms the statistically significant difference in the risk profile between real estate and non-real estate banks. The dynamics of the housing market influences both types of banks, but the real estate banks are more sensitive to the housing market conditions. The negative relationship between the housing market developments with specialization of banks in real estate market reflects the high informality of the housing market and handicaps such as governmental interference, institutional shortcomings and flawed enforcement of property rights.

  9. United States housing, 2012

    Science.gov (United States)

    Delton Alderman

    2013-01-01

    Provides current and historical information on housing market in the United States. Information includes trends for housing permits and starts, housing completions for single and multifamily units, and sales and construction. This report will be updated annually.

  10. American Housing Survey (AHS)

    Data.gov (United States)

    Department of Housing and Urban Development — The AHS is the largest, regular national housing sample survey in the United States. The U.S. Census Bureau conducts the AHS to obtain up-to-date housing statistics...

  11. TARP Monthly Housing Scorecard

    Data.gov (United States)

    Department of the Treasury — Treasury and the U.S. Department of Housing and Urban Development (HUD) jointly produce a Monthly Housing Scorecard on the health of the nation’s housing market. The...

  12. 7 CFR 772.14 - Reamortization of AMP loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity date...

  13. 12 CFR 583.20 - Savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...

  14. 12 CFR 561.30 - Nonresidential construction loan.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 561.30 Nonresidential construction loan. The term nonresidential construction loan means a loan for construction of other than one or more dwelling units. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nonresidential construction loan. 561.30...

  15. 7 CFR 1421.104 - Marketing assistance loan making.

    Science.gov (United States)

    2010-01-01

    ... cost for terminating the financing statement for marketing assistance loans disbursed under paragraph... 7 Agriculture 10 2010-01-01 2010-01-01 false Marketing assistance loan making. 1421.104 Section... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance...

  16. 7 CFR 1610.5 - Minimum Bank loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...

  17. 7 CFR 1737.60 - Telephone loan budget.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Telephone loan budget. 1737.60 Section 1737.60... Cost Estimation Procedures § 1737.60 Telephone loan budget. (a) RUS shall prepare a “Telephone Loan Budget” (RUS Form 493) showing all costs for the proposed project and the amount of loan and nonloan...

  18. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan... intentions to receive a loan deficiency payment on the identified commodity or (ii) A completed request for a... cotton based on a locked-in adjusted world price, provide identifying numbers for modules or other...

  19. 42 CFR 57.213a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57... Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... credited to this insurance fund), and used only to reimburse the school for the institutional share of any...

  20. 78 FR 28953 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2013-05-16

    .... Ford Federal Direct Loan Program; Interim Final Rule #0;#0;Federal Register / Vol. 78, No. 95... [Docket ID ED-2013-OPE-0066] RIN 1840-AD13 William D. Ford Federal Direct Loan Program AGENCY: Office of... Secretary amends the William D. Ford Federal Direct Loan Program (Direct Loan Program) regulations to...

  1. A Trillion-Dollar Question: What Predicts Student Loan Delinquencies?

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

    The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…

  2. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

    Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…

  3. 7 CFR 1436.8 - Security for loan.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Security for loan. 1436.8 Section 1436.8 Agriculture... Security for loan. (a) Except as agreed to by CCC, all loans must be secured by a promissory note and... prior lien holders. (2) A loan will be considered to be adequately secured when the real estate security...

  4. 7 CFR 160.74 - Loan of standards without security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards without security. 160.74 Section 160... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.74 Loan of standards without security. Duplicates of the United States Standards for rosin may be loaned without deposit of...

  5. 7 CFR 766.112 - Additional security for restructured loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Additional security for restructured loans. 766.112..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs § 766.112 Additional security for restructured loans. (a) If the borrower is delinquent prior to restructuring, the...

  6. 7 CFR 1421.113 - Recourse marketing assistance loans.

    Science.gov (United States)

    2010-01-01

    ... assistance loan collateral may not be delivered or forfeited to CCC in satisfaction of the loan indebtedness... 7 Agriculture 10 2010-01-01 2010-01-01 false Recourse marketing assistance loans. 1421.113 Section... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND SIMILARLY HANDLED...

  7. 49 CFR 22.57 - Loan reporting requirements.

    Science.gov (United States)

    2010-10-01

    ... indicates the date in which the loan has been activated/funded. The form is available at http://www.osdbu... repayment of the STLP loan, or upon expiration of the loan guarantee. The form is available at http://www... Report and form DOT F 2305-1 Guaranty Loan Status Report. These forms are available at http://www.osdbu...

  8. 13 CFR 120.400 - Loan Guarantee Agreements.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan Guarantee Agreements. 120.400 Section 120.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders § 120... specific proposed loan that a Lender may submit. The existence of a Loan Guarantee Agreement does not limit...

  9. 24 CFR 510.1 - Multi-family property loans.

    Science.gov (United States)

    2010-04-01

    ... any partnership which is a borrower on a section 312 loan shall be personally liable for repayment of the section 312 loan. Limited partners shall assume personal liability by co-signing the loan note as... not relieve the partnership or corporate borrower from securing the section 312 loan by a mortgage or...

  10. 13 CFR 120.546 - Loan asset sales.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....546 Loan asset sales. (a) General. Loan asset sales are governed by § 120.545(b)(4) and by this... consented to SBA's sale of the loan (guaranteed and unguaranteed portions) in an asset sale conducted or...

  11. Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).

    Science.gov (United States)

    Office of Federal Student Aid (ED), Washington, DC.

    This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…

  12. White House Communications Agency

    National Research Council Canada - National Science Library

    Gimble, Thomas

    1995-01-01

    The Chairman, House Committee on Government Reform and Oversight; the Chairman, House Subcommittee on National Security, International Affairs, and Criminal Justice, Committee on Government Reform and Oversight...

  13. Shopping Center Financing: Pricing Loan Default Risk

    OpenAIRE

    Peter Chinloy; James Musumeci

    1994-01-01

    The financing structure of a shopping center is decomposed into an income security and two put options. These put options are respectively held by the borrower against the lender for default, and by the lender against an insurer or reinsurer. The prices of the put option depend on the loan-to-value ration of the loan and on the risk of the investment. The interest rate charged on the loan is the sum of four components: a riskless rate, lender production costs, and the net price of the put opt...

  14. House Fly (Musca domestica L. Attraction to Insect Honeydew.

    Directory of Open Access Journals (Sweden)

    Kim Y Hung

    Full Text Available House flies are of major concern as vectors of food-borne pathogens to food crops. House flies are common pests on cattle feedlots and dairies, where they develop in and feed on animal waste. By contacting animal waste, house flies can acquire human pathogenic bacteria such as Escherichia coli and Salmonella spp., in addition to other bacteria, viruses, or parasites that may infect humans and animals. The subsequent dispersal of house flies from animal facilities to nearby agricultural fields containing food crops may lead to pre-harvest food contamination with these pathogens. We hypothesized that odors from honeydew, the sugary excreta produced by sucking insects feeding on crops, or molds and fungi growing on honeydew, may attract house flies, thereby increasing the risk of food crop contamination. House fly attraction to honeydew-contaminated plant material was evaluated using a laboratory bioassay. House flies were attracted to the following plant-pest-honeydew combinations: citrus mealybug on squash fruit, pea aphid on faba bean plants, whitefly on navel orange and grapefruit leaves, and combined citrus mealybug and cottony cushion scale on mandarin orange leaves. House flies were not attracted to field-collected samples of lerp psyllids on eucalyptus plants or aphids on crepe myrtle leaves. Fungi associated with field-collected honeydews were isolated and identified for further study as possible emitters of volatiles attractive to house flies. Two fungal species, Aureobasidium pullulans and Cladosporium cladosporioides, were repeatedly isolated from field-collected honeydew samples. Both fungal species were grown in potato dextrose enrichment broth and house fly attraction to volatiles from these fungal cultures was evaluated. House flies were attracted to odors from A. pullulans cultures but not to those of C. cladosporioides. Identification of specific honeydew odors that are attractive to house flies could be valuable for the

  15. House Fly (Musca domestica L.) Attraction to Insect Honeydew

    Science.gov (United States)

    Hung, Kim Y.; Michailides, Themis J.; Millar, Jocelyn G.; Wayadande, Astri; Gerry, Alec C.

    2015-01-01

    House flies are of major concern as vectors of food-borne pathogens to food crops. House flies are common pests on cattle feedlots and dairies, where they develop in and feed on animal waste. By contacting animal waste, house flies can acquire human pathogenic bacteria such as Escherichia coli and Salmonella spp., in addition to other bacteria, viruses, or parasites that may infect humans and animals. The subsequent dispersal of house flies from animal facilities to nearby agricultural fields containing food crops may lead to pre-harvest food contamination with these pathogens. We hypothesized that odors from honeydew, the sugary excreta produced by sucking insects feeding on crops, or molds and fungi growing on honeydew, may attract house flies, thereby increasing the risk of food crop contamination. House fly attraction to honeydew-contaminated plant material was evaluated using a laboratory bioassay. House flies were attracted to the following plant-pest-honeydew combinations: citrus mealybug on squash fruit, pea aphid on faba bean plants, whitefly on navel orange and grapefruit leaves, and combined citrus mealybug and cottony cushion scale on mandarin orange leaves. House flies were not attracted to field-collected samples of lerp psyllids on eucalyptus plants or aphids on crepe myrtle leaves. Fungi associated with field-collected honeydews were isolated and identified for further study as possible emitters of volatiles attractive to house flies. Two fungal species, Aureobasidium pullulans and Cladosporium cladosporioides, were repeatedly isolated from field-collected honeydew samples. Both fungal species were grown in potato dextrose enrichment broth and house fly attraction to volatiles from these fungal cultures was evaluated. House flies were attracted to odors from A. pullulans cultures but not to those of C. cladosporioides. Identification of specific honeydew odors that are attractive to house flies could be valuable for the development of improved house

  16. House Fly (Musca domestica L.) Attraction to Insect Honeydew.

    Science.gov (United States)

    Hung, Kim Y; Michailides, Themis J; Millar, Jocelyn G; Wayadande, Astri; Gerry, Alec C

    2015-01-01

    House flies are of major concern as vectors of food-borne pathogens to food crops. House flies are common pests on cattle feedlots and dairies, where they develop in and feed on animal waste. By contacting animal waste, house flies can acquire human pathogenic bacteria such as Escherichia coli and Salmonella spp., in addition to other bacteria, viruses, or parasites that may infect humans and animals. The subsequent dispersal of house flies from animal facilities to nearby agricultural fields containing food crops may lead to pre-harvest food contamination with these pathogens. We hypothesized that odors from honeydew, the sugary excreta produced by sucking insects feeding on crops, or molds and fungi growing on honeydew, may attract house flies, thereby increasing the risk of food crop contamination. House fly attraction to honeydew-contaminated plant material was evaluated using a laboratory bioassay. House flies were attracted to the following plant-pest-honeydew combinations: citrus mealybug on squash fruit, pea aphid on faba bean plants, whitefly on navel orange and grapefruit leaves, and combined citrus mealybug and cottony cushion scale on mandarin orange leaves. House flies were not attracted to field-collected samples of lerp psyllids on eucalyptus plants or aphids on crepe myrtle leaves. Fungi associated with field-collected honeydews were isolated and identified for further study as possible emitters of volatiles attractive to house flies. Two fungal species, Aureobasidium pullulans and Cladosporium cladosporioides, were repeatedly isolated from field-collected honeydew samples. Both fungal species were grown in potato dextrose enrichment broth and house fly attraction to volatiles from these fungal cultures was evaluated. House flies were attracted to odors from A. pullulans cultures but not to those of C. cladosporioides. Identification of specific honeydew odors that are attractive to house flies could be valuable for the development of improved house

  17. Adventure of Architecture Example of Housing and Housing Areas

    Directory of Open Access Journals (Sweden)

    Ali Asasoğlu

    2013-08-01

    Full Text Available Housing and the concept of space associated with this requirement are among the initial attitudes towards the human reign over the nature. The dawn of the structured environment found life with this approach within the nature. Both, housing and the housing design process overlap with the historical development of modern man, and is covered within the concept of architecture today. The contribution made by culture within this period is yet another undeniable fact. While the interaction between architecture and culture are moving forward thereby leaving traces in every era throughout the history, the culture of housing and housing design exhibits a parallel attitude which is a subsidiary, yet a highly title with a close human relationship. Culture and architecture are two closely interacting aspects which are drawing the borders of each other from time to time, hinting at quality and quantity, and evaluating such. Quite naturally, the structure which is in a deep relationship with mankind is in an exchange with all physical, social and economic qualities of the human. These qualities are fundamental determinants of the concept of culture as a human trait. The process of architecture which is usually defined as a sequence of eras that involve social movements, impulses and trends, sometimes kept moving ahead in the pursuit of individual leadership and styles. The concerns regarding the solution of space problems, setting up /designing venues and arranging the environment in line with the requirements brought up increasingly complex issues and stacks of solutions which follow such problems. It is this dynamic structure which forms the basis of the architectural problem to date. Starting with the housing and residential concepts, this study brings a critical view on the application samples and methods of the relationship between architecture and culture in terms of our country in particular while putting emphasis on the architectural venture of the

  18. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ..., or Direct Loan Program, excluding PLUS loans made under the FFEL and Direct Loan Programs to parents... that repaid a parent PLUS loan. Employee means an individual who, under Federal tax law, is considered... Internal Revenue Code. Involuntary separation due to misconduct means termination from [[Page 39001...

  19. Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

    OpenAIRE

    Ozili, Peterson K

    2017-01-01

    This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...

  20. The influence of loan repayment on rural healthcare provider recruitment and retention in Colorado.

    Science.gov (United States)

    Renner, Daniel M; Westfall, John M; Wilroy, Lou Ann; Ginde, Adit A

    2010-01-01

    the rural providers cited for their recruitment were the location of the community, scope of practice, and family fit with the community. The most important factors for the urban providers were the location of the community, salary, and scope of practice. Of the rural providers, 36% attended rural high schools, while 9% of urban providers attended rural high schools. Of the rural providers who were planning on practicing in a rural area regardless of any loan repayment option, 37% had attended rural high schools. Rural participants most often left their communities because their families wanted to move, personal or professional isolation, and dissatisfaction with the medical community. Of rural participants 22% cited the desire for a higher income as an important reason to leave their communities, while the desire for a higher income was the most commonly cited reason for the urban providers. Rural retention rates were not influenced by past attendance at rural high schools or by intention to practice in a rural community regardless of loan repayment. Loan repayment programs targeting rural Colorado usually enroll providers who would have worked in a rural area regardless of loan repayment opportunities, but are likely to play a role in providers' choice of specific rural community for practice. They also appear to have a limited but important influence on rural provider retention, though financial concerns are generally less influential for non-retained rural providers than are family preferences and professional dissatisfaction.

  1. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — The Allegheny Home Improvement Loan Program (AHILP) is the most affordable way for eligible Allegheny County residents to rehabilitate and improve their homes....

  2. 24 CFR 570.705 - Loan requirements.

    Science.gov (United States)

    2010-04-01

    ... taxation as provided in section 108(j) of the Act. (f) Loan repayment period. The term of debt obligations..., shall preclude or limit HUD's exercise of: (1) The power to contract with respect to public offerings...

  3. 7 CFR 1980.411 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    .... (14) Acquisition of membership and/or stocks, bonds, or debentures necessary to obtain a loan from... that produce biomass fuel or biogas as an output must have completed two operating cycles at design...

  4. 44 CFR 206.364 - Loan application.

    Science.gov (United States)

    2010-10-01

    ... assets for a stated period of time, and the proposed means of financing the expenditures. For loan... within sixty days of the date of the disapproval. Decision by the Assistant Administrator for the...

  5. A New Opportunity: Loans from Annuities.

    Science.gov (United States)

    Salzarulo, W. Peter

    1984-01-01

    Many faculty members have tax sheltered annuities (TSA). One method of obtaining the use of the funds in a TSA involves treating the amount received from the TSA as a loan rather than as a taxable withdrawal or distribution. (MLW)

  6. Family Open House

    Science.gov (United States)

    Search Family Open House Join us for an afternoon of science fun. The Fermilab Family Open House is a party for children of all ages to learn about the world of physics. The Open House is supported by Open House? Check out our YouTube video to learn more! Explore physics concepts with hands-on

  7. On Chinese Loan Words from English Language

    Science.gov (United States)

    Yan, Yun; Deng, Tianbai

    2009-01-01

    In the recent twenty years, with China's reform and opening policy to the outside world, there is a sharp increase in English loan words in Chinese. On the one hand, it demonstrates that China's soft power has been booming up. But on the other hand, some language pollution in the meanwhile is caused by non-standard use of loan words in Chinese.…

  8. Loans may keep CERN collider on target

    CERN Multimedia

    Abbott, A

    1996-01-01

    The European Laboratory for Particle Physics (CERN) is considering taking out bank loans to fund its Large Hadron Collider project. CERN officials are evaluating this option in view of the German government's decision to substantially reduce its annual contributions to the project. They state that the bank loans may be the only way to complete the project by the year 2005, especially if other contributing nations follow Germany's lead.

  9. Prime Borrowers and Financial Innovation in the Housing Boom and Bust

    DEFF Research Database (Denmark)

    Bäckman, Claes; Lutz, Chandler

    for better consumption smoothing, even absent any shift in credit supply. In support of the model, we find that the introduction of interest-only mortgages was followed by a large increase in the number of buyers, even as credit quality remained constant. On the aggregate level the results indicate...... that interest-only mortgages amplified the boom-bust pattern in housing: house prices increased an additional 35 percent during the boom due to IO loans, and subsequently reverse during the bust. These effects, which cannot be explained by changes in lending standards or shifts in credit supply, are magnified...... in local housing markets with higher ex-ante house price expectations. Together, the findings document the consequences of introducing IO loans on the micro- and macro level, and illustrates how new mortgage products can have large impacts even in the absence of a shift in credit supply...

  10. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

    Full Text Available Bad loans are essentially loans with arrears of 90 days or more, and the criterion of 90 days is the most common practice in different countries to determine indicators on the bad in lending. Credit risk is one of the most important financial risks facing the banking system is assumed by all credit institutions and may cause serious problems so that bank and the whole system if risk exposure is substantial. From this point of view, the most important function of bank management is to control the quality of the loan portfolio. This is because the poor quality of loans is the leading cause of bankruptcy. In accordance with the central bank, credit institutions are obliged to protect the bank's capital and the deposits of individuals and legal entities and to cover any loans that present uncertainties in recovery, to determine and utilize prudential value adjustments. The central bank aims NPL development using aggregated indicators on credit institutions. Conclusions are presented on developments and trends in non-performing loans in the portfolio of credit institutions in Romania.

  11. Falling for Clay Leaves.

    Science.gov (United States)

    Kernan, Christine

    2002-01-01

    Describes an art project that integrated science and art education. Explains that students create ceramic bowls by using real leaves. Discusses the process of creating the ceramic bowls, including how to glaze the bowls. Includes a list of materials. (CMK)

  12. 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.

  13. Maternity Leave Policies

    Science.gov (United States)

    Strang, Lucy; Broeks, Miriam

    2017-01-01

    Abstract Over recent years many European Union countries have made changes to the design of the maternity leave provision. These policy developments reflect calls for greater gender equality in the workforce and more equal share of childcare responsibilities. However, while research shows that long period of leave can have negative effects on women's labour market attachment and career advancements, early return to work can be seen as a factor preventing exclusive breastfeeding, and therefore, potentially having negative health impacts for babies. Indeed, the World Health Organisation recommends exclusive breastfeeding up to 6 months of age to provide babies with the nutrition for healthy growth and brain development, protection from life-threatening ailments, obesity and non-communicable diseases such as asthma and diabetes. Therefore, labour market demands on women may be at odds with the health benefits for children gained by longer periods of maternity leave. The aim of this article is to examine the relationship between leave provision and health benefits for children. We examine maternity and parental leave provision across European countries and its potential impact on the breastfeeding of very young babies (up to 6-months of age). We also consider economic factors of potential extension of maternity leave provision to 6 months, such as costs to businesses, effects on the female labour market attachment, and wider consequences (benefits and costs) for individuals, families, employers and the wider society. PMID:28983432

  14. Innova House - Ottawa`s advanced house

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1996-01-31

    A pilot program was developed to provide the housing industry with a means to field test innovative technologies, products and building systems, and to evaluate their overall performance. Under Canada`s Advanced House Program, ten demonstration houses were designed, built and monitored. Ottawa`s Innova House, was one of the ten houses built for this program. The innovative energy saving features of the house included (1) air distribution with small diameter ducts and an electronically commutated motor, a 2.6 kW grid-connected photovoltaic system, (3) an energy recovery ventilator (ERV) with free-cooling mode, (4) a 94 per cent efficient integrated gas heating and hot water system, (5) airtight drywall construction, (6) CFC-free exterior insulation, (7) a natural-gas-engine heat pump for air conditioning, (8) a prototype sealed combustion gas range and clothes dryer, and (9) a manifold plumbing system to conserve water. It was designed to consume one half of the energy consumed in an R-2000 home and one third of the energy of a conventional house. Several of the mechanical elements did not perform at expected levels, (lower than expected efficiencies from the heating and cooling systems and a malfunctioning ERV), nevertheless, overall performance of the house was still very close to the targets. The construction and operation of the house was described. tabs., figs.

  15. 76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program

    Science.gov (United States)

    2011-05-27

    ..., this new approach will give our customers increased flexibility to find and deploy technology that... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of elimination of the...

  16. Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

    For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…

  17. Federal Student Loan Amounts and Terms for Loans Issued in 2016-17

    Science.gov (United States)

    Project on Student Debt, 2016

    2016-01-01

    U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…

  18. Alternative Approaches to the Family Life Cycle in the Analysis of Housing Consumption.

    Science.gov (United States)

    McLeod, P. B.; Ellis, J. R.

    1983-01-01

    Used loan-approval data to analyze the effects of life-cycle stage on housing consumption. The detailed typologies were not generally superior to the more simplified approaches, except for per capita consumption. For per capita consumption, price, and quality, clear evidence is found for structural nonhomogeneity across life-cycle stages. (JAC)

  19. Institutional investment in social rental housing : France, the Netherlands and the United Kingdom explored

    NARCIS (Netherlands)

    Haffner, M.E.A.; Hoekstra, J.S.C.M.; Tang, C.; Oxley, M.

    2015-01-01

    In the United Kingdom, social landlords are facing decreasing governmental financial support for them to fulfil their role in the provision of social housing, which has led to increasing pressure on them to rely on private capital. Traditionally, bank loans were the main source of private capital,

  20. 78 FR 8448 - Streamlining Inspection and Warranty Requirements for Federal Housing Administration (FHA) Single...

    Science.gov (United States)

    2013-02-06

    ... calling the Regulation Division at 202-402-3055 (this is not a toll-free number). Individuals with speech... Requirements for High Loan-to-Value Ratio Mortgages AGENCY: Office of the Assistant Secretary of Housing... (this is not a toll-free number). Individuals with speech or hearing impairments may access this number...

  1. Economic sustainability considerations in a local housing market with post-bubble hindsight

    NARCIS (Netherlands)

    Kauko, T.J.

    2009-01-01

    Given the pivotal role of the housing bubble in the subsequent credit crunch, the following question may be raised: could the global financial crisis have been moderated if prude property valuations had been made at the time of issuing bank loans, and if governments and institutions had been

  2. Essays on Housing Markets

    DEFF Research Database (Denmark)

    Bäckman, Claes

    In Denmark and in many countries around the world, housing markets are of considerable importance for households and policy-makers alike. As the boom and bust in the US and Danish housing market so aptly demonstrated, disruptions in the housing market potentially have wide-ranging consequences...... for individual households and for the aggregate economy. Housing is important because we all have to live somewhere, but also because it serves as a considerable source of both wealth and debt. As such, housing market policy can not only create vast benefits for many, but can also have substantial negative...... impacts for all, and should therefore be a topic of major interest for economists and policy makers alike. This Ph.D. thesis, entitled “Essays on Housing Markets”, analyzes the Danish housing market during the 2000s, with a focus on how policy changes affected house prices and how changes in house prices...

  3. The bishops and housing.

    Science.gov (United States)

    Shellabarger, Thomas

    2005-01-01

    According to Catholic social teaching, housing is not a commodity but a human right. To ensure that all people--especially low-income elderly and other vulnerable populations--have access to affordable housing, the church has established a variety of programs, services, and advocacy efforts. Much of this work is based on key concepts: preserving existing housing stock, creating new programs to provide more options for the underserved, empowering residents and communities to deal with housing issues, establishing partnerships to make organizations' efforts more successful, making housing affordable, and ending discrimination in housing. Although church ministries, community groups, the private sector, and other players must work together to find solutions to the housing crisis, federal leadership is essential. Especially with the housing affordability gap growing and the U.S. population aging, the federal government must provide the resources, leadership, and direction for effective housing solutions.

  4. 75 FR 23152 - Board of Directors of Federal Home Loan Bank System Office of Finance

    Science.gov (United States)

    2010-05-03

    ...Governed by the Federal Housing Finance Agency's (FHFA) regulations, the Federal Home Loan Bank System's (Bank System) Office of Finance issues debt (``consolidated obligations'') as agent for the Federal Home Loan Banks (Banks) on which the Banks are jointly and severally liable and publishes combined financial reports on the Banks so that members of the Bank System, investors in the consolidated obligations, and other interested parties can assess the strength of the Bank System that stands behind them. The Office of Finance (OF) is governed by a board of directors, the composition and functions of which are determined by FHFA's regulations. FHFA's experience with the Bank System and with the OF's combined financial reports during the recent period of market stress suggests that the OF and the Bank System could benefit from a reconstituted board and strengthened audit committee. This regulation is intended to achieve that end.

  5. Situation-Based Housing

    DEFF Research Database (Denmark)

    Duelund Mortensen, Peder

    2011-01-01

    Presentation of urban housing research on flexible housing types in the Copenhagen Region: Theoretical background, methodology, analyse of spatial organization, interviews and results. Cases: Pærehaven in Ølby, Køge and M-house in Ørestad, Copenhagen......Presentation of urban housing research on flexible housing types in the Copenhagen Region: Theoretical background, methodology, analyse of spatial organization, interviews and results. Cases: Pærehaven in Ølby, Køge and M-house in Ørestad, Copenhagen...

  6. House Price, House Quality and Economic Growth

    NARCIS (Netherlands)

    De Vries, P.; Boelhouwer, P.J.

    2010-01-01

    The literature on housing markets suggest that periods of economic growth are characterised by a demand for better housing quality and increasing prices. The basic principles of the theory are that the short-run price fluctuations occur due to market imperfection, while over the long term, causality

  7. Active house concept versus passive House

    NARCIS (Netherlands)

    Zeiler, W.; Boxem, G.; Vehler, R.; Verhoeven, M.; Fremouw, M.

    2009-01-01

    The passive house concept is the present trend in energy efficient sustainable dwellings. Within the passive house concept every effort is made to minimize the energy use. Substantial savings can be achieved by passive energy systems, especially natural ventilation, summer shading and winter solar

  8. Health-related quality of life of medical students in a Brazilian student loan programme.

    Science.gov (United States)

    Lins, Liliane; Carvalho, Fernando Martins; Menezes, Marta Silva; Porto-Silva, Larissa; Damasceno, Hannah

    2016-08-01

    This study aimed to evaluate the health-related quality of life of medical students participating in a large Brazilian government loan programme for undergraduate students in private schools.A cross-sectional study in a stratified sample of students from a private medical school in Salvador, Brazil, evaluated their health-related quality of life by using a Brazilian Portuguese version of the 36-item Short Form Health Survey questionnaire (SF-36).Students supported by the loan programme consistently presented lower mean scores in all SF-36 domains and in the physical and mental component summary scores than those who were not in the programme. Students supported by the loan programme presented systematically lower physical and mental component mean scores, after stratification by age, gender, school year, physical activity, sleepiness, headache, having a car, having a housemaid, living with family, and living in a rented house.The loan programme has enabled less wealthy undergraduate students to attend private medical schools in Brazil. However, this support is insufficient to improve students' health-related quality of life during medical school, as compared with students who do not participate in the programme. Because of a poorer health-related quality of life, students supported by the loan programme deserve special attention from private medical schools.

  9. Investigating on effects of different granting loans on bank deposits

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

    Full Text Available This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34, followed by Sales loans (0.24, contract quantity loans (0.21 and Zero-interest loans (0.16 and Future contract loans (0.14 come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.

  10. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

    Full Text Available The goal of the article is justification of the necessity of legal regulation of actions of the bodies of local self-government when detecting signs of insolvency. Each stage of municipal loans management is analysed from the point of view of availability of legal rules, which do not allow making municipal loans by territorial communities of the cities with weak financial state or regulate sequence of actions of municipalities in default times. The following results were obtained: majority of legal restrictions in the sphere of local finance management are directed at prevention of ungrounded loans or have the form of sanctions, applied to local bodies, which perform their debt obligations with delay; the state formally controls the process of making municipal loans, avoiding financial responsibility; the national legislation does not contain the mechanism of regulation of actions of territorial communities, which experience difficulties when performing debt obligations. The article proves expediency of adoption of a uniform regulatory-legal act in Ukraine, which would regulate all economic relations connected with making municipal loans. This legal document shall contain a section about actions of the municipality-debtor when signs of default start to appear, announcement of default and declaration of the debtor insolvent (bankrupt. The article recommends the following structure of this section: regulation of the procedure of default announcement avoidance; announcement of default with the pre-trial restoration of the debtor’s solvency; and announcement of default with declaring the debtor bankrupt juridically.

  11. TRAVEL AND HOME LEAVE

    CERN Multimedia

    Human Resources Division

    2002-01-01

    Administrative procedures for : Travel to the home station and home leave (hl) Additional travel to the home station (at) Travel to the home station and home leave for family reasons (hlf) As part of the process of simplifying administrative procedures, HR and AS Divisions have devised a new, virtually automatic procedure for payment of travel expenses to the home station. The changes are aimed at rationalising administrative procedures and not at reducing benefits. The conditions of eligibility are unchanged. The new procedure, which will be operational with effect from 1st June 2002, will greatly simplify the administrative processing of claims for travel expenses and the recording of home leaves. Currently, requests for payment are introduced manually into the Advances and Claims system (AVCL) by divisional secretariats. All travel to the home station starting prior to 1st June 2002 will be processed according to the existing system whereas that starting on 1st June and after will be processed accordi...

  12. Houses need to breathe--right?

    Energy Technology Data Exchange (ETDEWEB)

    Sherman, Max H.

    2004-10-01

    Houses need to breathe, but we can no longer leave the important functions associated with ventilation to be met accidentally. A designed ventilation system must be considered as much a part of a home as its heating system. Windows are a key part of that system because they allow a quick increase in ventilation for unusual events, but neither they nor a leaky building shell can be counted on to provide minimum levels.

  13. Housing Inventory Count

    Data.gov (United States)

    Department of Housing and Urban Development — This report displays the data communities reported to HUD about the nature of their dedicated homeless inventory, referred to as their Housing Inventory Count (HIC)....

  14. Allegheny County Older Housing

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — Older housing can impact the quality of the occupant's health in a number of ways, including lead exposure, housing quality, and factors that may exacerbate...

  15. Housing of Hobson's Choice

    DEFF Research Database (Denmark)

    Vestergaard, Hedvig

    2010-01-01

    This paper looks at policies implemented to improve troubled housing estates during more than two decades. Based on evaluations of implemented programmes and case studies the paper provides a basis for discussing a number of questions: • Why do we have troubled housing estates? • What...... is the definition of troubled housing estates? • Who lives on troubled housing estates? • Who owns and manages the troubled housing estates? • What have been the reasons behind improvement programmes for troubled housing estates? • What kind of improvement programmes have been implemented and with what kind...... of results? • Have improvement programmes changed the position of the estates on the local housing markets? • What are the changes in policies and results? • What are the perspectives for policy initiatives in the field of troubled housing estates?...

  16. Radon in houses

    International Nuclear Information System (INIS)

    Toohey, R.E.; Essling, M.A.; Markun, F.

    1985-01-01

    The purpose of this study is to determine the concentrations of 222 Rn and its short-lived daughter products in the air of single-family houses in the midwestern US. During the past year, more than 200 houses were added to the study, resulting in a total of more than 400 houses. So far, results are available for 270 of these houses, equally divided between the Chicago area and Bloomsburg, Pennsylvania. 6 refs

  17. 38 CFR 36.4524 - Sale of loans.

    Science.gov (United States)

    2010-07-01

    ... regulations concerning direct loans to veterans as may be inconsistent therewith or variant therefrom shall no... Veterans Affairs may issue a guaranty in connection therewith within the maximums applicable to loans...

  18. 7 CFR 1710.119 - Loan processing priorities.

    Science.gov (United States)

    2010-01-01

    ... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...

  19. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

    ... all provisions of its RUS loan contract, its outstanding notes issued to RUS, and the RUS mortgage. (b... making prepayments on any loans pursuant to the RE Act in accordance with the terms thereof or as may be...

  20. Economic and Social Aspects of the Old Assyrian Loan Contract

    OpenAIRE

    Michel , Cécile

    2013-01-01

    International audience; 1. Loan contracts and other types of investments2. Creditors, debtors and family firms3. Relationships between Assyrians and Anatolians through loan contracts during the 19th and 18th centuries B.C.

  1. Loan collaterals and collateral substitutes in rural finance: a review ...

    African Journals Online (AJOL)

    Loan collaterals and collateral substitutes in rural finance: a review. ... have difficulties in obtaining loans from banks and other financial institutions because ... The limited availability of conventional collaterals in rural financial markets has led ...

  2. Credit Risk Management - Loan Approval Process

    Directory of Open Access Journals (Sweden)

    Lulzim Rashiti

    2016-03-01

    Full Text Available The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper will also explain in detail procedures and responsibilities shared along the process of loan acceptance by a banker. To sum up, the overall process from application to loan approval or denial will be explained pointing out the implications that are faced along the way

  3. Social Housing in Denmark

    DEFF Research Database (Denmark)

    Vestergaard, Hedvig; Scanlon, Kath J

    2014-01-01

    Social housing is a cornerstone in the Danish welfare society and is accessible for all households. By law, social housing must be rented at cost rents, which are based on historical costs; rents do not respond to market forces. Social housing aims to provide good standard, secure and affordable...... as social initiatives in the existing stock....

  4. Smart Solar Housing Renovation

    NARCIS (Netherlands)

    Ham, M.; Bruijn, de D.M.P.; Vos, S.J.H.; Weijers, K.A.M.; Straver, M.C.W.; Scartezzini, J.L.

    2009-01-01

    After World War II, the demand for houses in the Netherlands was enormous. Large housing construction programs were established in the fifties, sixties and seventies. Nowadays, these houses are facing some societal, economic and technological problems. On the other hand, many of the occupants are

  5. Dutch house price fundamentals

    NARCIS (Netherlands)

    Haffner, M.E.A.; de Vries, P.

    2009-01-01

    This paper discusses house price developments in the Netherlands, specifically focussing on the question whether current house prices in the Dutch owner-occupied market are likely to decrease. We analyse three aspects of the question based on a literature review: (1) whether there is a house price

  6. HOUSING MARKETS IN SELECTED EUROPEAN COUNTRIES AND THE USA

    Directory of Open Access Journals (Sweden)

    Magdalena Gostkowska-Drzewicka

    2012-04-01

    Full Text Available The aim of this article is to present the changes taking place in housing markets in selected European countries and in the USA. The basic research period covers the years 1998-2009. However, wherever availability of data allowed so, we covered with our research also the years 1963-2010. The development of domestic housing markets is determined both by specific features of local markets and by macroeconomic factors influencing the economic situation. The availability of capital to finance investment is of primary importance for the changes taking place in housing markets. This factor can be expressed by the volume of mortgage debt related to GDP and inflation and the level of interest rates on mortgage loans. The evaluation of the changes occurring in domestic housing markets was based on the identification of such structural characteristics as: the volume of the housing stock, the number of ready-to-use flats, the number of issued building permits, the indices of housing prices, and the number of transactions concerning purchase of flats or houses.

  7. PACE and the Federal Housing Finance Agency (FHFA)

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark; Fuller, Merrian

    2010-03-17

    The FHFA regulates Fannie Mae, Freddie Mac, and the 12 Federal Home Loan Banks (the government-sponsored enterprises - GSEs). On June 18, 2009, James B. Lockhart III, then Director of FHFA, released a letter expressing concern about the negative impact of energy loan tax assessment programs (ELTAPs) - also known as Property Assessed Clean Energy (PACE) programs - on both the housing finance system and homeowner program participants. Subsequently, a number of PACE proponents responded to the concerns laid out in the FHFA letter. In early Fall 2009, word circulated that FHFA was planning to follow its June letter with guidance to other agencies, possibly including Fannie Mae and Freddie Mac, discouraging them from buying loans on properties subject to PACE-type assessment liens. This triggered a second round of stakeholder letters, several of which were addressed to President Obama. On October 18, 2009, the White House, in what some believe was an attempt to obviate the need for FHFA guidance, released a Policy Framework for PACE Financing Programs that outlined best practices guidance for homeowner and lender protection. As of February 2010, FHFA and the GSEs have agreed to monitor PACE programs and work with stakeholders and the Administration to consider additional guidance beyond the Policy Framework and to collect more information on PACE program efficacy and risks. A summary of the communications timeline and highlights of the communications are provided.

  8. The Effectiveness of Corporate Boards: Evidence from Bank Loan Contracting

    OpenAIRE

    Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang

    2009-01-01

    This paper investigates the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and non-price loan terms (e.g., interest rates, collateral, covenants and performance pricing) are more favorable and syndicated loans comprise more lenders. In addition, board size, board diversity, audit committee structure and other director characteristics also influence bank loan price. However they do not consistently affect all non-price loa...

  9. Does Leave Work?

    NARCIS (Netherlands)

    Heleen van Luijn; Saskia Keuzenkamp

    2004-01-01

    More and more people have to combine work and care responsibilities, and work part-time or use daycare and after-school care facilities to help them do so. The Work and Care Act, which came into force on 1 December 2001, combined all the existing schemes - such as parental and maternity leave -

  10. Maternity Leave in Taiwan

    Science.gov (United States)

    Feng, Joyce Yen; Han, Wen-Jui

    2010-01-01

    Using the first nationally representative birth cohort study in Taiwan, this paper examines the role that maternity leave policy in Taiwan plays in the timing of mothers returning to work after giving birth, as well as the extent to which this timing is linked to the amount of time mothers spend with their children and their use of breast milk…

  11. REMINDER: Saved Leave Scheme (SLS)

    CERN Multimedia

    2003-01-01

    Transfer of leave to saved leave accounts Under the provisions of the voluntary saved leave scheme (SLS), a maximum total of 10 days'* annual and compensatory leave (excluding saved leave accumulated in accordance with the provisions of Administrative Circular No 22B) can be transferred to the saved leave account at the end of the leave year (30 September). We remind you that unused leave of all those taking part in the saved leave scheme at the closure of the leave year accounts is transferred automatically to the saved leave account on that date. Therefore, staff members have no administrative steps to take. In addition, the transfer, which eliminates the risk of omitting to request leave transfers and rules out calculation errors in transfer requests, will be clearly shown in the list of leave transactions that can be consulted in EDH from October 2003 onwards. Furthermore, this automatic leave transfer optimizes staff members' chances of benefiting from a saved leave bonus provided that they ar...

  12. Assisted Housing - Public Housing Authorities - National Geospatial Data Asset (NGDA)

    Data.gov (United States)

    Department of Housing and Urban Development — Public Housing was established to provide decent and safe rental housing for eligible low-income families, the elderly, and persons with disabilities. Public housing...

  13. Housing and Health: The relationship between housing conditions ...

    African Journals Online (AJOL)

    okanlawon

    2011-10-22

    Oct 22, 2011 ... Housing and Health: The relationship between housing ... The authors in chapter one, deal extensively with historical context of housing and health chronologically ... Housing and Health: Time Again for Public Health Action.

  14. 50 CFR 12.36 - Donation or loan.

    Science.gov (United States)

    2010-10-01

    ... 50 Wildlife and Fisheries 1 2010-10-01 2010-10-01 false Donation or loan. 12.36 Section 12.36... SEIZURE AND FORFEITURE PROCEDURES Disposal of Forfeited or Abandoned Property § 12.36 Donation or loan. (a... and security for the item. (b) Any donation or loan may be made only after execution of a transfer...

  15. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...

  16. Of religion and redemption : Evidence from default on Islamic loans

    NARCIS (Netherlands)

    Baele, L.T.M.; Farooq, Moazzam; Ongena, S.R.G.

    We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12. We find robust evidence that the default rate on Islamic loans is less than half the default rate on conventional

  17. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Restrictions on loan processing. 120.383 Section 120.383 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS.... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender...

  18. 12 CFR 226.48 - Limitations on private education loans.

    Science.gov (United States)

    2010-01-01

    ... identified with a covered educational institution, in the marketing of private education loans in a way that implies that the covered education institution endorses the creditor's loans. (2) A creditor's marketing... regulation, paragraph (a)(1) of this section does not apply if the private education loan marketing includes...

  19. Gender and Banking : Are Women Better Loan Officers?

    NARCIS (Netherlands)

    Beck, T.H.L.; Behr, P.; Guttler, A.

    2009-01-01

    We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than

  20. A Basic Library for Savings and Loan Associations: A Bibliography.

    Science.gov (United States)

    Westfall, Elizabeth W.; Zimmerman, Anne R.

    Recognizing that current and reliable sources of information are necessary for effective management and decision making, librarians of the Federal Home Loan Bank of San Francisco and the Federal Home Loan Bank in Seattle prepared this booklet listing what they feel are the basic books and periodicals essential to a savings and loan library…

  1. 76 FR 35085 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-06-15

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...

  2. 76 FR 20459 - Savings and Loan Holding Company Application

    Science.gov (United States)

    2011-04-12

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...

  3. Bank loan portfolios and the Canadian monetary transmission mechanism

    NARCIS (Netherlands)

    den Haan, W.J.; Sumner, S.W.; Yamashiro, G.M.

    2009-01-01

    Following a monetary tightening, bank loans to consumers decrease. This is true for both mortgage and non-mortgage loans, and it is true for a tightening by the Bank of Canada that is, and is not, a response to a tightening by the Federal Reserve System. In contrast, business loans increase

  4. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Expedited telecommunications loans 1703.112 Section... § 1703.112 Expedited telecommunications loans RUS will expedite consideration and determination of an application submitted by an RUS telecommunications borrower for a loan under the Act or an advance of such...

  5. Analysis of Default Risk of Agricultural Loan by Some Selected ...

    African Journals Online (AJOL)

    ... to reduce default rate and loan diversions since members can serve as watch dog to each other. Banks should also prevent unnecessary delay in loan disbursement to allow for timely use of the loan. Banks should also explore the Agricultural credit guarantee scheme (ACGS) to offset part of the risk in case of default.

  6. Loan Market Competition and Bank Risk-Taking

    NARCIS (Netherlands)

    Wagner, W.B.

    2007-01-01

    Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when

  7. 26 CFR 1.141-5 - Private loan financing test.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Private loan financing test. 1.141-5 Section 1... loan financing test. (a) In general. Bonds of an issue are private activity bonds if more than the... determining whether the private loan financing test is met. In determining whether the proceeds of an issue...

  8. 7 CFR 761.209 - Loan funds for beginning farmers.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan funds for beginning farmers. 761.209 Section 761... Funds to State Offices § 761.209 Loan funds for beginning farmers. Each fiscal year, the Agency reserves a portion of direct and guaranteed FO and OL loan funds for beginning farmers in accordance with...

  9. 7 CFR 1735.33 - Variable interest rate loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Variable interest rate loans. 1735.33 Section 1735.33... § 1735.33 Variable interest rate loans. After June 10, 1991, and prior to November 1, 1993, RUS made certain variable rate loans at interest rates less than 5 percent but not less than 2 percent. For those...

  10. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates for direct loans. 761.9 Section 761.9... AGRICULTURE SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.9 Interest rates for direct loans. Interest rates for all direct loans are set in accordance with the Act. A copy of the...

  11. 13 CFR 120.1707 - Seller's retained Loan Interest.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's retained Loan Interest. 120.1707 Section 120.1707 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1707 Seller...

  12. 13 CFR 120.612 - Loans eligible to back Certificates.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.612 Loans eligible to back Certificates. (a) Pool Certificates...

  13. 13 CFR 120.1714 - Seller's Pool Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan servicing. 120.1714 Section 120.1714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1714 Seller...

  14. 13 CFR 120.1715 - Seller's Pool Loan liquidation.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan liquidation. 120.1715 Section 120.1715 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1715 Seller...

  15. 13 CFR 120.1713 - Seller's Pool Loan origination.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan origination. 120.1713 Section 120.1713 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1713 Seller...

  16. 13 CFR 120.1717 - Seller's Pool Loan deferments.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan deferments. 120.1717 Section 120.1717 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1717 Seller...

  17. 24 CFR 201.20 - Property improvement loan eligibility.

    Science.gov (United States)

    2010-04-01

    ... estimated cost. (2) The loan proceeds shall be used only to finance property improvements that substantially protect or improve the basic livability or utility of the property. The Secretary will establish a list of... the Secretary before making a loan. (3) The loan proceeds shall only be used to finance property...

  18. 7 CFR 1427.174 - Maturity of seed cotton loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427.174 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION... Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...

  19. 7 CFR 1776.17 - Revolving loan fund maintenance.

    Science.gov (United States)

    2010-01-01

    ..., justifies different amounts, a reserve for bad debts of 6 percent of outstanding loans must be accumulated... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776..., DEPARTMENT OF AGRICULTURE (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.17...

  20. 34 CFR 682.506 - Limitations on maximum loan amounts.

    Science.gov (United States)

    2010-07-01

    ... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's.... (b) The Secretary does not guarantee a Federal Consolidation loan in an amount greater than that required to discharge loans eligible for consolidation under § 682.100(a)(4). (Authority: 20 U.S.C. 1075...

  1. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR... Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to...

  2. 75 FR 65238 - Loan Guaranty: Elimination of Redundant Regulations; Correction

    Science.gov (United States)

    2010-10-22

    ... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN71 Loan Guaranty: Elimination of... June 15, 2010 (75 FR 33704), amending its loan guaranty regulations to eliminate redundant regulations... INFORMATION CONTACT: William White, Acting Assistant Director for Loan Processing and Valuation (262...

  3. 78 FR 48135 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-08-07

    ... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...

  4. 78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value

    Science.gov (United States)

    2013-08-09

    ... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department... mortgage holders in the Department of Veterans Affairs (VA) loan guaranty program concerning the percentage to be used in calculating the purchase price of a property that secured a terminated loan. The new...

  5. 78 FR 63158 - Information Collection; Guaranteed Farm Loan Program

    Science.gov (United States)

    2013-10-23

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...

  6. 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...

  7. 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...

  8. 75 FR 26706 - Information Collection; Direct Loan Making

    Science.gov (United States)

    2010-05-12

    ... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Making AGENCY... that supports Direct Loan Making programs. The information is used to determine borrower compliance with loan agreements, assist the borrower in achieving business goals, and regular servicing of the...

  9. 76 FR 30286 - Community Development Revolving Loan Fund

    Science.gov (United States)

    2011-05-25

    ... Revolving Loan Fund AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY..., evaluates, and acts on credit union applications seeking loans and technical assistance grants from the Community Development Revolving Loan Fund (CDRLF or Fund). The proposed changes update the current rule to...

  10. 77 FR 72960 - William D. Ford Federal Direct Loan Program

    Science.gov (United States)

    2012-12-07

    ... Federal Direct Loan Program AGENCY: Office of Postsecondary Education, Department of Education. ACTION... document to establish the date for the early implementation of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new income-contingent repayment plan based on the President...

  11. 75 FR 77935 - Patriot Express Pilot Loan Initiative

    Science.gov (United States)

    2010-12-14

    ... SMALL BUSINESS ADMINISTRATION Patriot Express Pilot Loan Initiative AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Patriot Express Pilot Loan Initiative. SUMMARY: This notice extends the Patriot Express Pilot Loan Initiative in its current form through December 31, 2013...

  12. 75 FR 23218 - Information Collection; Direct Loan Servicing-Regular

    Science.gov (United States)

    2010-05-03

    ... collections established in the regulation are necessary for FSA to monitor and account for loan security... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Servicing... collection that supports Direct Loan Servicing-Regular programs. The information is used to determine...

  13. 7 CFR 772.7 - Leasing minor program loan security.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan security. (a) Eligibility. The Agency may consent to the borrower leasing all or a portion of security...

  14. 7 CFR 1435.105 - Loan settlement and foreclosure.

    Science.gov (United States)

    2010-01-01

    ... all or any part of the loan collateral by paying CCC the applicable principal and interest. (b) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due...) Forfeiture of in-process sugar serving as loan collateral will be accepted as payment in full of principal...

  15. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...

  16. 14 CFR 1300.23 - Participation in guaranteed loans.

    Science.gov (United States)

    2010-01-01

    ... lender may distribute the risk of a portion of a loan guaranteed under the program by sale of... transferred in whole or in part; (2) The lender remains solely responsible for the administration of the loan... loans guaranteed under the program: (1) Eligible lenders; (2) Private investment funds and insurance...

  17. Inadequate housing in Ghana

    Directory of Open Access Journals (Sweden)

    Franklin Obeng-Odoom

    2011-01-01

    Full Text Available Two themes are evident in housing research in Ghana. One involves the study of how to increase the number of dwellings to correct the overall housing deficit, and the other focuses on how to improve housing for slum dwellers. Between these two extremes, there is relatively little research on why the existing buildings are poorly maintained. This paper is based on a review of existing studies on inadequate housing. It synthesises the evidence on the possible reasons for this neglect, makes a case for better maintenance and analyses possible ways of reversing the problem of inadequate housing.

  18. Effect of Our Nation's Housing Policy on Homelessness. Hearing before the Ad Hoc Task Force on the Homeless and Housing of the Committee on the Budget, House of Representatives. One Hundredth Congress, Second Session.

    Science.gov (United States)

    Congress of the U.S., Washington, DC. House Committee on the Budget.

    According to Congressman Charles E. Schumer in his opening statement, the deqrease in Federal housing funds is inextricably linked to the increase in homelessness. Since 1981 the Reagan Administration has been systematically dismantling the nation's housing programs, leaving tens of thousands of low-income people homeless. In 1982 there were 1,088…

  19. Moodulmaja Passion House = "Passion House" modular home

    Index Scriptorium Estoniae

    2015-01-01

    Moodulmaja Passion House. Arhitektuuri sihtkapitali innovatsioonipreemia 2013 kvaliteetse disaini ja perspektiivika arendustegevuse oskusliku sidumise eest. Arhitekt Eero Endjärv (Arhitekt11), sisearhitekt Hannelore Kääramees (Arhitekt11)

  20. Housing Data Base for Sustainable Housing Provision

    African Journals Online (AJOL)

    Sultan

    The research employed a mixed method approach by collecting both quantitative and qualitative data which were analysed using descriptive analysis in SPSS. The results are ... critical examination of mass housing design in. Nigeria will show ...

  1. 7 CFR 3560.73 - Subsequent loans.

    Science.gov (United States)

    2010-01-01

    ... over a period not to exceed the lesser of the economic life of the housing being financed or 50 years and paid over a term not to exceed the lesser of the economic life of the housing or 30 years from the... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, DEPARTMENT OF AGRICULTURE...

  2. Shanghai housing reform. Program a burden on foreign investors.

    Science.gov (United States)

    Burke, F

    1991-09-23

    This document contains a summary of the Housing Reform Program created in Shanghai, China, in 1991, which requires monthly contributions of all employers and employees in Shanghai to a "Collective Reserve Fund." The program also applies to foreign investment enterprises and must be followed by all enterprises, regardless of any previous housing benefits that an enterprise may be providing its employees. Employers must deduct 5% from each employee's salary (with a minimum) monthly and must match that amount. The total is paid into an account in the employer's name with the People's Construction Bank of China. The total amount collected and matched for an employee is considered the property of the employee, but the account is administered by the employer as a collective trust account. Each employee's balance may be withdrawn upon retirement, leaving the area, or purchasing a home and leaving state-owned housing. Foreign investment enterprises contribute a reduced amount in recognition of the fact that they pay salaries that are higher than those of state enterprises. The Housing Reform Program also requires employers to contribute to doubled rent subsidies for public housing, requires workers to purchase housing construction bonds in order to be eligible for newly allocated public housing, calles for housing to be sold at favorable prices, and creates a system whereby mortgages can be obtained from the Collective Reserve Fund.

  3. Design of laboratory and animal housing unit for radionuclide studies

    International Nuclear Information System (INIS)

    Anon.

    1975-01-01

    The design of a combined analytical laboratory and animal housing facility is discussed. By having sample processing facilities in close proximity to the experimental animals, the necessity for transporting biological specimens long distances has been curtailed. In addition, complete radionuclide counting equipment has been installed so that samples need not leave the animal housing site for analysis, a feature based on radiological health requirements. (U.S.)

  4. Terms and conditions for Diesel Emissions Reduction Act Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon

    Science.gov (United States)

    Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.

  5. Assisted Housing - Multifamily Properties - Assisted

    Data.gov (United States)

    Department of Housing and Urban Development — HUD's Multifamily Housing property portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...

  6. Housing preferences of young adults in Indonesia: housing attributes and consequences

    Science.gov (United States)

    Farasa, N.; Kusuma, H. E.

    2018-03-01

    Nowadays, the housing demand of young adults in Indonesia is important issues for the sustainable development of the market. Facing differences of life phases, such as marriage, leaving home after graduation, and new job positioning, young adults become the main segment facing constant housing choice decisions in the housing market. In their particular phase of life, young adults have distinct preferences for housing attributes which bring a great influence on their lives in the future. Data was gathered from a survey questionnaire that was answered by 180 young adults in Indonesia, ranging from age 22-33 years. The findings suggest that the green area and view, location, simplicity, home design, and accessibility are the significant parts as housing attributes for young adults’ housing preferences in Indonesia. The effect of these attributes has many consequences such as security, personalization, mood/ambiance, maintenance, interaction, image, flexibility, environmental, economy, durability, convenience, comfort, and circulation. The biggest group of young adults who prefer comfort as their wanted consequences tend to have high preferences on housing attributes of the green area and view, and simplicity.

  7. 76 FR 8748 - Loan Repayment Program for Repayment of Health Professions Educational Loans

    Science.gov (United States)

    2011-02-15

    ... Nurse Anesthetists.). (l) Podiatry: D.P.M. (m) Physical Rehabilitation Services: Physical Therapy... program site determined by the Secretary. Loan repayment sites are characterized by physical, cultural... allopathic medicine, family medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and...

  8. 77 FR 3269 - Loan Repayment Program for Repayment of Health Professions Educational Loans; Announcement Type...

    Science.gov (United States)

    2012-01-23

    ... Anesthetists.). (o) Podiatry: D.P.M. (p) Physical Rehabilitation Services: Physical Therapy, Occupational... by the Secretary. Loan repayment sites are characterized by physical, cultural, and professional... medicine, internal medicine, pediatrics, geriatric medicine, obstetrics and gynecology, podiatric medicine...

  9. 26 CFR 1.592-1 - Repayment of certain loans by mutual savings banks, building and loan associations, and...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...

  10. Bangladesh looks for a soft loan

    International Nuclear Information System (INIS)

    Hossain, A.

    1986-01-01

    The problems faced by developing countries in embarking on a nuclear power programme are considered. It is argued that an international funding agency should be set up by the IAEA and the World Bank to provide developing countries with help in the form of a loan at soft interest rates and longer repayment periods. (U.K.)

  11. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

    ... conditions: (a) The loan shall be denominated in a currency to eliminate foreign exchange risk on repayment... majority ownership interest, financing may be extended for the full value of the transaction; otherwise, financing may be extended only to approximate the percent of ownership. [55 FR 24884, June 19, 1990, as...

  12. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... Understanding (MOU), Apr. 24, 1975; AR 500-60 Secretary of the Army (or designee) Communications, earthmoving... request would result in loss of human life, grave bodily harm, or major destruction of property, and when the lack of communication facilities prevents use of normal procedures, loans otherwise permitted by...

  13. Student Loan Default and Repayment in Kentucky

    Science.gov (United States)

    Kentucky Council on Postsecondary Education, 2016

    2016-01-01

    As college costs continue to rise, student loan default and repayment are issues of increasing concern to students and families, colleges and universities, and state and federal governments. Helping students borrow responsibly and manage their debt are vitally important to maintaining college access and affordability and increasing the education…

  14. 7 CFR 4279.155 - Loan priorities.

    Science.gov (United States)

    2010-01-01

    ... Agriculture Regulations of the Department of Agriculture (Continued) RURAL BUSINESS-COOPERATIVE SERVICE AND RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GUARANTEED LOANMAKING Business and Industry Loans... statistical data (5 points). (ii) Located in a rural community that has remained persistently poor over the...

  15. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for... normal course of business) in the applicant or borrower. (ii) The applicant or borrower, a relative of... to obtain a loan), or other principal owners of the lender have substantial business dealings (other...

  16. 50 CFR 600.1012 - Reduction loan.

    Science.gov (United States)

    2010-10-01

    ... annual rate, that shall be determined by subsequent events, of simple interest on the reduction loan's... deposit and disburse the fee revenue in accordance with § 600.1014. (b) Principal amount, interest rate... § 600.1014. (c) Effect of prospective interest rate. Any difference between a prospective interest rate...

  17. 44 CFR 206.375 - Loan administration.

    Science.gov (United States)

    2010-10-01

    ... writing at least 10 days prior to the proposed disbursement date in order to ensure timely receipt of the... Loan shall establish necessary accounting records, consistent with local government's financial... examination, have access to any books, documents, papers, and records that pertain to Federal funds...

  18. Farmers and Herders Benefit From Bank Loans

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    From 2000 to the end of 2004, the Tibet Branch of Agricultural Bank provided farmers and herders with loans that helped raise their average net income from 1,342 Yuan to 1,863 Yuan during the period.The net increase in income totaled nearly 1.1 billion Yuan.

  19. Evaluating the Student Loan Fund of Thailand

    Science.gov (United States)

    Tangkitvanich, Somkiat; Manasboonphempool, Areeya

    2010-01-01

    The Thai higher education sector has expanded quickly during the past decade, making a transition from an elitist to a mass institution. A driving force behind the expansion was believed to be the Student Loan Fund (SLF), introduced in 1996. During the first 10 years of its operation, the SLF has lent to more than 2.6 million students, with the…

  20. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... to establish all the aspects of the fraud. If at all possible, this should then be done prior to... or approved, or (c) conspiring to defraud the United States by getting a false or fraudulent claim... Department of Justice will need to know such things as: What was the amount of the loan or the loss paid to...

  1. 7 CFR 1951.881 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... when in conflict with these regulations. The loan is governed by terms of existing legal documents of... accounting records for each intermediary. The Finance Office will: (1) Coordinate with the Administrator or... of the proper accounting procedure. (2) Send monthly statements to the National Office reflecting all...

  2. 7 CFR 764.51 - Loan application.

    Science.gov (United States)

    2010-01-01

    ... to make a determination on the loan application. (e) The applicant need not submit any information... ordering a credit report on the applicant; (12) Verification of all debts; (13) Any additional information...-Doc OL request, the applicant must: (1) Be current on all payments to all creditors including the...

  3. 77 FR 15933 - Conservation Loan Program

    Science.gov (United States)

    2012-03-19

    ... to these regulations based on the comments. FSA is making a minor amendment to the definition of... key decision making for the entity and could be the ones making the important decisions regarding... interim rule (75 FR 54005-54016) on September 3, 2010, to add CL loan making and servicing provisions to...

  4. 7 CFR 1710.112 - Loan feasibility.

    Science.gov (United States)

    2010-01-01

    ... service cost of the new loan. (3) The economics of the borrower's operations and service area are such... financial and management controls and there are and have been no significant financial or other... assets, is adequate to enable the borrower to meet its financial needs and to provide service consistent...

  5. Collateral Damage: Interlibrary Loan Lending Denials

    Science.gov (United States)

    Leykam, Andrew

    2009-01-01

    The intent of this paper is to explore the potential of utilizing interlibrary loan (ILL) data relating to lending denials to improve ILL services while highlighting institutional policies that have a negative impact on lending fulfillment rates. Reasons for denial as well as the types of requests being denied are reviewed. In addition, the author…

  6. 10 CFR 800.300 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... consideration to the experience of the agent in providing financial services to minority business enterprises... OF ENERGY LOANS FOR BID OR PROPOSAL PREPARATION BY MINORITY BUSINESS ENTERPRISES SEEKING DOE..., broker, or other financial institution or entity) having the capability, and legally qualified, to...

  7. 7 CFR 3575.69 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... financial statements and provide the Agency with a written summary of the lender's analysis and conclusions... analyzing financial statements; verifying the payment of taxes and insurance premiums; and maintaining liens... statements required by the Loan Agreement. The lender must submit the borrower's annual financial statements...

  8. 77 FR 38015 - Community Programs Guaranteed Loans

    Science.gov (United States)

    2012-06-26

    ... section. This is based upon the Agency's experience to date in financing this type of project and the... sections, in order to clarify the types of projects that are eligible for a Community Facilities Guaranteed... Program by limiting the risk to the guaranteed loan portfolio. RHS is seeking to prohibit the financing of...

  9. Modelling home equity conversion loans with life insurance models

    Directory of Open Access Journals (Sweden)

    Baškot Bojan

    2013-01-01

    Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.

  10. Radon in Syrian houses

    International Nuclear Information System (INIS)

    Othman, I.; Hushari, M.; Raja, G.; Alsawaf, A.

    1996-01-01

    A nationwide investigation of radon levels in Syrian houses was carried out during the period 1991-1993. Passive radon diffusion dosemeters using polycarbonate detectors were distributed in houses all over Syria. Detectors were subjected to electrochemical etching to reveal latent tracks of alpha particles. The mean radon concentration in Syrian houses was found to be 45 Bq m -3 with some values several times higher. This investigation indicated that there were a few houses in Syria that require remedial action. Most houses that have high levels of radon were found in the southern area, especially in the Damascus governorate. The study also indicated that radon concentrations were higher in old houses built from mud with no tiling. (author)

  11. Employer Provisions for Parental Leave.

    Science.gov (United States)

    Meisenheimer, Joseph R., II

    1989-01-01

    Slightly more than one-third of full-time employees in medium and large firms in private industry were covered by maternity- or paternity-leave policies; days off were usually leave without pay. (Author)

  12. 75 FR 4100 - Affirmative Fair Housing, Marketing (AFHM) Plan-Multifamily Housing, Affirmative Fair Housing...

    Science.gov (United States)

    2010-01-26

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-01] Affirmative Fair Housing, Marketing (AFHM) Plan-Multifamily Housing, Affirmative Fair Housing Marketing (AFHM) Plan-Single Family Housing and Affirmative Fair Housing Marketing (AFHM) Plan- Cooperatives/Condominiums AGENCY: Office of...

  13. Population and housing: A two-sided relationship

    Directory of Open Access Journals (Sweden)

    Clara H. Mulder

    2006-11-01

    Full Text Available In this paper I explore the relationship between population and housing. I argue that this relationship is two-sided. On the one hand, the size of a population, and particularly the number of households, determines the demand for housing. On the other hand, the availability of suitable and affordable housing may attract certain categories of migrants. It also influences young people's opportunities to leave the parental home, marry or cohabit, and have children. Furthermore, home-ownership hampers residential mobility and migration by binding people to a place.

  14. The Housing Finance Revolution

    OpenAIRE

    Richard K. Green; Susan M. Wachter

    2007-01-01

    While other countries dismantled their segmented housing finance systems and linked housing finance to capital markets through deregulated depositories, the US linked housing finance to capital markets through depository deregulation and securitization. Elsewhere securitization has not developed. The US provided the underpinnings for its mortgage security infrastructure with the creation of FNMA in 1938 and in order to create liquidity in the mortgage market required the standardization of mo...

  15. The architects house

    DEFF Research Database (Denmark)

    Welling, Helen

    2007-01-01

    The architects house is an article on Edward Heiberg's own house built in 1924. Edward Heiberg was a strong advocate of functionalism, and of the notion that hitherto individualistic and emotional architecture should be replaced by an objective function-based architecture with dwellings...... for everyone. In 1924 he designed a house for himself and his family: one of the first examples of functionalism in Denmark....

  16. “Time for a Change”: Loan conditions and bank behavior when firms switch banks

    OpenAIRE

    Ongena, Steven; Ioannidou, Vasso

    2010-01-01

    This paper studies loan conditions when firms switch banks. Recent theoretical work on bank–firm relationships motivates our matching models. The dynamic cycle of the loan rate that we uncover is as follows: a loan granted by a new (outside) bank carries a loan rate that is significantly lower than the rates on comparable new loans from the firm's current (inside) banks. The new bank initially decreases the loan rate further but eventually ratchets it up sharply. Other loan conditions follow ...

  17. REMINDER Saved Leave Scheme (SLS) : Transfer of leave to saved leave accounts

    CERN Multimedia

    HR Division

    2002-01-01

    Under the provisions of the voluntary saved leave scheme (SLS), a maximum total of 10 days'*) annual and compensatory leave (excluding saved leave accumulated in accordance with the provisions of Administrative Circular No. 22B) can be transferred to the saved leave account at the end of the leave year (30 September). We remind you that, since last year, unused leave of all those taking part in the saved leave scheme at the closure of the leave-year accounts is transferred automatically to the saved leave account on that date. Therefore, staff members have no administrative steps to take. In addition, the transfer, which eliminates the risk of omitting to request leave transfers and rules out calculation errors in transfer requests, will be clearly shown in the list of leave transactions that can be consulted in EDH from October 2002 onwards. Furthermore, this automatic leave transfer optimizes staff members' chances of benefiting from a saved leave bonus provided that they are still participants in the schem...

  18. Saved Leave Scheme (SLS) : Simplified procedure for the transfer of leave to saved leave accounts

    CERN Multimedia

    HR Division

    2001-01-01

    As part of the process of streamlining procedures, the HR and AS Divisions have jointly developed a system whereby annual and compensatory leave will henceforth be automatically transferred1) to saved leave accounts. Under the provisions of the voluntary saved leave scheme (SLS), a maximum total of 10 days'2) annual and compensatory leave (excluding saved leave accumulated in accordance with the provisions of Administrative Circular No. 22 B) can be transferred to the saved leave account at the end of the leave year (30 September). Previously, every person taking part in the scheme has been individually issued with a form for the purposes of requesting the transfer of leave to the leave account and the transfer has then had to be done manually by HR Division. To streamline the procedure, unused leave of all those taking part in the saved leave scheme at the closure of of the leave-year accounts will henceforth be transferred automatically to the saved leave account on that date. This simplification is in the ...

  19. Funding child rearing: child allowance and parental leave.

    Science.gov (United States)

    Walker, J R

    1996-01-01

    This article proposes two financing plans to address what the author identifies as the two primary concerns in the child care field: (1) a child allowance for poor and near-poor households to address the child care problems of low-income families, and (2) a program of voluntary parental leave, available to all parents at child birth or adoption, to ensure the adequacy of infant care. The child allowance plan would cover the first three children in families up to 175% of the poverty level (more than 22 million children) at an annual cost of $45 billion. The author suggests that the allowance could be financed by redirecting funds from existing income support (for example, Aid to Families with Dependent Children), tax credit, and tax deduction programs. Financing the parental leave program would require new revenues, generated by an employee-paid increase in payroll tax totaling 3.5%. Each employee's contributions would create a parental leave account (PLA). Families could use the funds in these accounts to cover the cost of a one-year leave from work after the birth or adoption of a child. If families did not have enough dollars in their accounts to cover the cost of the leave, the federal government would extend a low-interest loan to them, which they would have to pay back. The amount individuals receive through Social Security would be adjusted upward or downward according to the balances in their parental leave accounts at retirement. The author suggests that both proposals would help parents balance work and family obligations and protect parental freedom of choice over the care and upbringing of their children.

  20. 41 CFR Appendix to Part 102 - 83-Memorandum of Understanding Between the Department Of Housing And Urban Development And the...

    Science.gov (United States)

    2010-07-01

    ... grants, water and sewer grants, open space, public facilities loans, Operation BREAKTHROUGH, code... which will aid in achieving such objectives. (b) In view of the importance to the achievement of the... to obtain a sufficient quantity of low- and moderate-income housing available to the agency's...

  1. Parental leave and child health.

    Science.gov (United States)

    Ruhm, C J

    2000-11-01

    This study investigates whether rights to parental leave improve pediatric health. Aggregate data are used for 16 European countries over the 1969 through 1994 period. More generous paid leave is found to reduce deaths of infants and young children. The magnitudes of the estimated effects are substantial, especially where a causal effect of leave is most plausible. In particular, there is a much stronger negative relationship between leave durations and post-neonatal or child fatalities than for perinatal mortality, neonatal deaths, or low birth weight. The evidence further suggests that parental leave may be a cost-effective method of bettering child health.

  2. The role of building societies on the market of hypothec loaning: world experience and Russia

    Directory of Open Access Journals (Sweden)

    Ellada Georgiyevna Pilavova

    2011-03-01

    Full Text Available Based on the study of international experience in modeling residential mortgage, the need to develop savings and loan institutions is justified - banks of building savings - as an institution to meet mass demand of the general population of Russia on the improvement of living conditions. In particular, the history of mortgage lending in Asia and Europe is described in details. Particular attention is paid to the models of the Eastern Europe (Czech Republic, Slovakia, Hungary and Poland and Germany. The percentage volume of housing loans to GDP in transition and developed countries is compared. The reasons for the backlog of Poland and the Czech Republic from more developed countries are investigated. It is concluded that exactly the building society was the starting point for the rapid evolution of housing finance in different countries. The advantageous features of this institution as reducing credit risk through specialization, providing a source of long-term money and effective tool for the selection of reliable borrowers to the banking sector, as well as beneficial effects on the economic culture of borrowers are indicated.

  3. Housing Survey. Campus Housing: Finding the Balance

    Science.gov (United States)

    O'Connor, Shannon

    2016-01-01

    Depending on where you look for statistics, the number of students enrolling in colleges or universities is increasing, decreasing or remaining the about the same. Regardless of those trends, campus housing is a marketing tool for institutions looking to draw students to and keep them on campus. Schools need to offer sufficient beds and…

  4. A Painted House In Ankara: Dedebayrak House

    Directory of Open Access Journals (Sweden)

    Muzaffer Karaaslan

    2016-06-01

    Full Text Available The conservative family lifestyle in the Ottoman State affected the ways that houses were planned and decorated. Different decorative programs emerged with major differences in each period. New techniques and styles began to be seen in the 18th century thanks to the influence of the West. This article will focus on the decoration of Dedebayrak House in Ankara. Decoration in the architecture found within the boundaries of Ankara consist mostly of geometrical or floral decorations and various inscriptions. The Dedebayrak House not only has these kind of decorations, but also it has these decorations in its architectural descriptions, so it makes this house the only one to have survived in Ankara. Moreover, this building is especially important as the décor included work belonging to Nakkaş Mustafa. However, these decorative features do not remain today. The situation in Turkey is such that architecture is not conserved, which leads to many historically important buildings vanishing. Neither local authorities, nor the owner of these buildings look after these buildings properly, leading their specific historical features to be lost. This situation both damages the urban fabric and harms the historical heritage of the city. Therefore, decorative features in the building will be analysed both on their own and compared to other buildings in Ankara in order to create an overall picture.

  5. The prevalence of sick leave

    DEFF Research Database (Denmark)

    Backhausen, Mette; Damm, Peter; Bendix, Jane

    2018-01-01

    of long-term sick leave. Method Data from 508 employed pregnant women seeking antenatal care was collected by questionnaires from August 2015 to March 2016. The questionnaires, which were filled in at 20 and 32 weeks of gestation, provided information on maternal characteristics, the number of days spent...... on sick leave and the associated reasons. Descriptive statistics and logistic regression analysis were applied. Results The prevalence of sick leave was 56% of employed pregnant women in the first 32 weeks of gestation and more than one in four reported long-term sick leave (>20 days, continuous...... was a negative predictor. Conclusions The prevalence of sick leave was 56% in the first 32 weeks of gestation and more than one in four women reported long-term sick leave. The majority of reasons for sick leave were pregnancy-related and low back pain was the most frequently given reason....

  6. Dream house in Australia

    DEFF Research Database (Denmark)

    Andersen, Michael Asgaard

    2004-01-01

    This first book in the Utzon Library, which deals with Utzon's own houses, contains a number of drawings that have not previously been published. This is especially true of the four projects for his house in Bayview, Sydney, which unfortunately never got past the drawing stage, as Utzon had left ...

  7. Radon house doctor

    International Nuclear Information System (INIS)

    Nitschke, I.A.; Brennan, T.; Wadach, J.B.; O'Neil, R.

    1986-01-01

    The term house doctor may be generalized to include persons skilled in the use of instruments and procedures necessary to identify, diagnose, and correct indoor air quality problems as well as energy, infiltration, and structural problems in houses. A radon house doctor would then be a specialist in radon house problems. Valuable experience in the skills necessary to be developed by radon house doctors has recently been gained in an extensive radon monitoring and mitigation program in upstate New York sponsored by Niagara Mohawk Power Corporation and the New York State Energy Research and Development Authority. These skills, to be described in detail in this paper, include: (i) the use of appropriate instruments, (ii) the evaluation of the symptoms of a radon-sick house, (iii) the diagnostic procedures required to characterize radon sources in houses, (iv) the prescription procedures needed to specify treatment of the problem, (v) the supervision of the implementation of the treatment program, (vi) the check-up procedures required to insure the house cured of radon problems. 31 references, 3 tables

  8. Housing consumption and urbanization

    OpenAIRE

    Lozano-Gracia, Nancy; Young, Cheryl

    2014-01-01

    Rapid urbanization in Sub-Saharan Africa places immense pressure on urban services to meet the needs of the burgeoning urban population. Although several country- or city-level reports offer insight into the housing challenges of specific places, little is known about regional patterns affecting housing markets. This lack of clear knowledge on the relative importance of the factors influen...

  9. House of tomorrow today

    NARCIS (Netherlands)

    Lichtenberg, J.J.N.; Ham, M.; Hensen, J.L.M.

    2011-01-01

    The House of Tomorrow Today is a project focussing on a healthy, energy producing dwelling to be realized with today¿s proven technology. The project aims at an energy plus level based on the principles as formulated in SmartBuilding (Slimbouwen) [1] ActiveHouse [2] and HoTT [3] It can be seen as

  10. The Index House

    International Nuclear Information System (INIS)

    Reilly, M.A.

    1990-01-01

    This paper reports on the Pennsylvania Radon Research and Demonstration Project. The project involved the monitoring of the Index House for indoor radon, and was one of the earliest programs involving indoor radon contamination. The history of the house, the investigation, and testing and remediation procedures are discussed

  11. Multiple pump housing

    Science.gov (United States)

    Donoho, II, Michael R.; Elliott; Christopher M.

    2010-03-23

    A fluid delivery system includes a first pump having a first drive assembly, a second pump having a second drive assembly, and a pump housing. At least a portion of each of the first and second pumps are located in the housing.

  12. Ndebele Inspired Houses

    Science.gov (United States)

    Rice, Nicole

    2012-01-01

    The house paintings of the South African Ndebele people are more than just an attempt to improve the aesthetics of a community; they are a source of identity and significance for Ndebele women. In this article, the author describes an art project wherein students use the tradition of Ndebele house painting as inspiration for creating their own…

  13. The Nordic Housing Enabler

    DEFF Research Database (Denmark)

    Helle, Tina; Slaug, Bjørn; Brandt, Åse

    2010-01-01

    This study addresses development of a content valid cross-Nordic version of the Housing Enabler and investigation of its inter-rater reliability when used in occupational therapy rating situations, involving occupational therapists, clients and their home environments. The instrument was translated...... from the original Swedish version of the Housing Enabler, and adapted according to accessibility norms and guidelines for housing design in Sweden, Denmark, Finland and Iceland. This iterative process involved occupational therapists, architects, building engineers and professional translators......, resulting in the Nordic Housing Enabler. For reliability testing, the sampling strategy and data collection procedures used were the same in all countries. Twenty voluntary occupational therapists, pair-wise but independently from each other, collected data from 106 cases by means of the Nordic Housing...

  14. Nordic Housing Enabler

    DEFF Research Database (Denmark)

    Helle, Tina; Brandt, Åse

    Development and reliability testing of the Nordic Housing Enabler – an instrument for accessibility assessment of the physical housing. Tina Helle & Åse Brandt University of Lund, Health Sciences, Faculty of Medicine (SE) and University College Northern Jutland, Occupational Therapy department (DK......). Danish Centre for Assistive Technology. Abstract. For decades, accessibility to the physical housing environment for people with functional limitations has been of interest politically, professionally and for the users. Guidelines and norms on accessible housing design have gradually been developed......, however, the built environment shows serious deficits when it comes to accessibility. This study addresses development of a content valid cross-Nordic version of the Housing Enabler and investigation of inter-rater reliability, when used in occupational therapy practice. The instrument was translated from...

  15. Situation based housing

    DEFF Research Database (Denmark)

    Duelund Mortensen, Peder; Welling, Helen; Wiell Nordberg, Lene

    2007-01-01

    of the average family's lifestyle. These dwellings were ground-breaking when they were built, but today are clearly a product of their time. The reaction to functionalism and the postwar mass production gave rise to flexible dwelling with countless possibilities for room division. The housing of this period has...... characteristics which in the long run have proven to be unfortunate both in terms in terms of durability and architectural quality. Today there is a focus on the development of more open and functionally non-determined housing. A number of new housing schemes in and around Copenhagen reveal a variety...... of approaches to these goals. This working paper reviews not only a selection of new housing types, but also dwellings from the past, which each contain an aspect of changeability. Our study is based on information from users in the selected housing schemes, gathered from questionnaires, information about...

  16. PENGARUH NON PERFORMING LOAN (NPL TERHADAP PROFITABILITAS

    Directory of Open Access Journals (Sweden)

    Silviana Agustami

    2017-04-01

    Full Text Available Profitability is one of the essential elements in the process of assessing performance in banking finance. Bank needs to keep its profitability to maintain the continuity of its corporation. In the process of attaining income and making profit, a bank commonly does many efforts. One of them is through offering the credits to the public. However, in fact, credit which becomes the basis to run the company has the risk of failure when the clients/ debtors have to pay the loan back on its deadline/ Non Performing Loan (NPL. The objective of this study is to find out whether NPL influences negatively or not towards the bank profitability. This study employed the basic regression analysis method through linearity and normality tests. The data used is the financial statement of PT. Bank OCBC NISP, Tbk in 2002 until 2010 published by Bank Indonesia. Based on the revealed elaboration and the data analysis about the influence of NPL towards profitability, it can be concluded that the condition of Non-Performing Loan (NPL in PT. Bank OCBC NISP, Tbk is good in general since it is still below the NPL value regulated by Bank Indonesia which is 5%. Meanwhile, the profitability based on the return on assets (ROA in PT. Bank OCBC NISP tends to be below the minimum standard which is 1,5%, but it is classified in high category in the framework of performance determination of banking finance governed by Bank Indonesia. In PT. Bank OCBC NISP, Tbk, Non-Performing Loan (NPL influences negatively towards profitability.

  17. 12 CFR 584.2a - Exempt savings and loan holding companies and grandfathered activities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Exempt savings and loan holding companies and... THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.2a Exempt savings and loan holding companies and grandfathered activities. (a) Exempt savings and loan holding companies. (1) The following savings and loan...

  18. 12 CFR 583.12 - Multiple savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...

  19. 12 CFR 583.11 - Diversified savings and loan holding company.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...

  20. 7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

    Science.gov (United States)

    2010-01-01

    ...) Installment on note and other charges—(1) Direct loan accounts. For a borrower with a direct loan, the term... loan accounts. “Loan insurance charge” means a separate insurance charge applying to FO and SW insured... loans evidenced by note forms bearing a form date of January 8, 1959, or later, the insurance charge is...