12 CFR 614.4150 - Lending policies and loan underwriting standards.

Science.gov (United States)

2010-01-01

... determining that an applicant has the operational, financial, and management resources necessary to repay the debt from cashflow (2) That are appropriate for each loan program and the institution's risk-bearing... loan underwriting standards. Under the policies of its board, each institution shall adopt written...

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...

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...

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...

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...

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...

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...

7 CFR 1962.2 - Policy.

Science.gov (United States)

2010-01-01

... of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... REGULATIONS (CONTINUED) PERSONAL PROPERTY Servicing and Liquidation of Chattel Security § 1962.2 Policy. Chattel security, EO property and note only loans will be serviced to accomplish the loan objectives and...

Credit supply and monetary policy : Identifying the bank balance-sheet channel with loan applications

NARCIS (Netherlands)

Jimenez Porras, G.; Ongena, S.; Peydro, J.L.; Saurina, J.

2012-01-01

We analyze the impact of monetary policy on the supply of bank credit. Monetary policy affects both loan supply and demand, thus making identification a steep challenge. We therefore analyze a novel, supervisory dataset with loan applications from Spain. Accounting for time-varying firm

State Clean Energy Policies Analysis: State, Utility, and Municipal Loan Programs

Energy Technology Data Exchange (ETDEWEB)

Lantz, E.

2010-05-01

High initial costs can impede the deployment of clean energy technologies. Financing can reduce these costs. And, state, municipal, and utility-sponsored loan programs have emerged to fill the gap between clean energy technology financing needs and private sector lending. In general, public loan programs are more favorable to clean energy technologies than are those offered by traditional lending institutions; however, public loan programs address only the high up-front costs of clean energy systems, and the technology installed under these loan programs rarely supports clean energy production at levels that have a notable impact on the broader energy sector. This report discusses ways to increase the impact of these loan programs and suggests related policy design considerations.

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.

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.

Policy Effectiveness of Loan for Delaying Timber Harvesting for Smallholder Private Forest in Indonesia

Directory of Open Access Journals (Sweden)

Bramasto Nugroho

2017-08-01

Full Text Available This study aimed to analyze policy effectiveness of loan for delaying timber harvesting for smallholder private forest business (Pinjaman Tunda Tebang Hutan Rakyat; hereinafter will be referred as PTT-HR. The analysis will be used to provide recommendations for improving PTT-HR scheme included scaling out and scaling up of the scheme for improving economic benefits and supporting smallholder private forest business as well as for strengthening farmer's welfare. Field survey was conducted in October–November 2013 in two districts in Central of Java, Indonesia namely Blora and Wonosobo District as recipient of PTT-HR from Public Service Agency for Forest Development Financing Center (BLU Center of P2H Ministry of Forestry, Republic of Indonesia. The results showed that PTT-HR policy has implemented effectively based on evaluation parameter derived from the objectives of policy namely the age of the stands for loan collateral, the capabilities for improving farmer's welfare, utilization of loan, perception of the farmers regarding to the ease of the process and purpose of loan utilization, and the capability of loan repayment. However, this research has not been answered the aspect of PTT-HR policy implementation efficiency

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.

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...

Housing Welfare Policies in Scandinavia

DEFF Research Database (Denmark)

Jensen, Lotte

2013-01-01

It is commonplace to refer to the Nordic countries of Sweden, Norway, Denmark, Finland and Iceland as a distinctive and homogenous welfare regime. As far as social housing is concerned, however, the institutional heritage of the respective countries significantly frames the ways in which social...... housing is understood, regulated and subsidized, and, in turn, how housing regimes respond to the general challenges to the national welfare states. The paper presents a historical institutionalist approach to understanding the diversity of regime responses in the modern era characterized by increasing...... marketization, welfare criticism and internationalization. The aim is to provide outside readers a theoretically guided empirical insight into Scandinavian social housing policy. The paper first lines up the core of the inbuilt argument of historical institutionalism in housing policy. Secondly, it briefly...

Polish Housing Policy in Com parison with the Housing Policy in the UE – Selected Issues

Directory of Open Access Journals (Sweden)

Anna Szelągowska

2011-07-01

Full Text Available The purpose of this article is to present the main principles of Polish housing policy and to compare it with the housing policy in the European Union. Poland, as an UE member, did not hammer out successful solutions which could facilitate the process of building new low-rental dwellings. The authors aim is to find the answer to research question: is it worth concentrating on fulfilling housing needs of low-income households in Poland and if yes, why? In order to do this the following hypothesis is put forward: on account of long-standing neglect connected with the Polish social housing finance there is an urgent need of housing reform oriented to the low-income housing growth.

Student Loan Debt and Economic Outcomes. Current Policy Perspective No. 14-7

Science.gov (United States)

Cooper, Daniel; Wang, J. Christina

2014-01-01

This policy brief advances the growing literature on how student loan debt affects individuals' other economic decisions. Specifically, it examines the impact of student loan liabilities on individuals' homeownership status and wealth accumulation. The analysis employs a rich set of financial and demographic control variables that are not…

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...

The Special Importance of Housing Policy for the Housing Situation of Ethnic Minorities

DEFF Research Database (Denmark)

Andersen, Hans Skifter; Magnusson Turner, Lena; Søholt, Susanne

The purpose of this article is to uncover, whether housing policy has a special importance for immigrants, compared with the whole population, by comparing housing policies and immigrants’ housing outcomes in four Nordic countries: Denmark, Finland, Norway and Sweden. There are substantial...... population varies much. These differences can only to some extent be explained by income inequalities on the housing markets in the countries, inequalities that affect immigrants. Other important explanations of why immigrants perform worse on the housing market is the shortage of rental housing (Norway......’ housing options are strict needs test for social/public housing (Finland)....

The Special Importance of Housing Policy for the Housing Situation of Ethnic Minorities

DEFF Research Database (Denmark)

Andersen, Hans Skifter; Turner, Lena Magnusson; Søholt, Susanne

2013-01-01

The purpose of this article is to uncover, whether housing policy has a special importance for immigrants, compared with the whole population, by comparing housing policies and immigrants’ housing outcomes in four Nordic countries: Denmark, Finland, Norway and Sweden. There are substantial...... population varies much. These differences can only to some extent be explained by income inequalities on the housing markets in the countries, inequalities that affect immigrants. Other important explanations of why immigrants perform worse on the housing market is the shortage of rental housing (Norway......’ housing options are strict needs test for social/public housing (Finland)....

The impact of housing policies and housing markets on ethnic spatial segregation

DEFF Research Database (Denmark)

Andersen, Hans Skifter; Andersson, Roger; Wessel, Terje

2015-01-01

This paper examines how ethnic segregation is connected to an ethnic division of the housing market and a spatial separation of different housing tenures in four Nordic cities. Explanations for the differences across the cities are found by comparing housing markets and housing policies....... The housing markets are in all four cities ethnically segmented with high concentrations of immigrants in some forms of tenures (especially social/public housing) and low concentrations in others. We further discuss the reasons for the observed pattern. The paper shows that the spatial distribution...... housing, while co-operative housing is crucial in the fourth. It is also shown that a policy of neighbourhood tenure mix in one of the cities has resulted in a relatively low degree of segregation in spite of high concentrations of immigrants in social/public housing....

Malaysian Affordability Housing Policies Revisited

Directory of Open Access Journals (Sweden)

Samad Diwa

2016-01-01

Full Text Available Housing has always been a significant aspiration of family expression and distinctly priciest investment by household. It plays a momentous role in the country’s economy and so central to the societal well-being that is emplaced in the United Nation Universal declaration of Human rights. Yet in developed and developing world alike, cities struggle to provide decent housing for lower and middle income population. The provision of affordable housing is a major policy concern around the world with Malaysia being no exception; rising income hardly keep pace with price hike of housing unit and housing interventions has majorly concentrated on demand side leading to a non-responsive supply sector. Therefore, this paper highlights affordable housing issues pertaining Malaysia. It formulates Malaysian Map of affordability and conducts an evaluation of global housing schemes to better identify policy priorities for Malaysia. It’s significant to harmonize supply and demand side factors in the housing market to ensure that housing supply fits the needs of citizens based on the location, price and target group. In case of Malaysia supply oriented initiative are of urgency in short and medium run. This must be supported by long term demand side schemes in parallel. Convergence of these two factors is essential for a balanced equilibrium and obtaining affordability.

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...

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...

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...

House Prices and the stance of Monetary Policy.

OpenAIRE

Jarociński, Marek; Smets, Frank

2008-01-01

This paper estimates a Bayesian VAR for the US economy which includes a housing sector and addresses the following questions. Can developments in the housing sector be explained on the basis of developments in real and nominal GDP and interest rates? What are the effects of housing demand shocks on the economy? How does monetary policy affect the housing market? What are the implications of house price developments for the stance of monetary policy? Regarding the latter question, we implement...

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...

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...

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.

76 FR 29992 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Science.gov (United States)

2011-05-24

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit Administration. ACTION: Final rule. SUMMARY: The... (collectively loan) concentration risks. We expect this final rule will increase the safe and sound operation of...

Using the social security system to deliver housing policy

OpenAIRE

Cheung, Louise, Gee Wing

2016-01-01

This thesis examines the interaction between housing policy and the social security benefits that support housing costs. Analysis concerns the extent and type of State intervention in housing, thus explaining the dynamic between State and individual responsibility in housing policy. This thesis involves an exploration of the different treatment of the owner-occupied and the rented housing sectors, with reference to the social security benefits which fund ongoing housing costs. This thesis see...

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 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...

13 CFR 120.545 - What are SBA's policies concerning the liquidation of collateral and the sale of business loans...

Science.gov (United States)

2010-01-01

... the liquidation of collateral and the sale of business loans and physical disaster assistance loans... policies concerning the liquidation of collateral and the sale of business loans and physical disaster.... SBA or the Lender may liquidate collateral securing a loan if the loan is in default or there is no...

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...

Housing Policy. A Critical Analysis on the Brazilian Experience

Directory of Open Access Journals (Sweden)

Paulo Nascimento Neto

2012-12-01

Full Text Available The last decade has revealed significant advancements on social housing in Brazil. Along with the implementation of the National Housing Policy (2004, the National Housing System (2005, and the National Housing Plan (2008, a consistent model to face the Brazilian housing deficiency was created. The prime period of the actions and resources taken by the various government levels and private agents took place during the implementation of Minha Casa Minha Vida [My Home My Life] program (PMCMV, whose goal was to build a million houses. Based on the outlined context, this paper seeks to evaluate the relationship between National Housing Policy and PMCMV, discussing its implications on housing outlook in the country. A bibliographical and documentary research showed theoretical and conceptual unbalance between these two policies, allowing speculation on the prevalence of the economic component over the social one.

The Nigerian National Housing Policy in Perspective: A Critical ...

African Journals Online (AJOL)

The paper identifies as the major challenges, poor implementation, corruption, bureaucracy and political instability. It recommends housing finance, cooperatives, use of local building materials, development of infrastructure, policy implementation and review of the housing policy as possible solutions to the housing ...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

Unofficial policy: access to housing, housing information and social services among homeless drug users in Hartford, Connecticut

Directory of Open Access Journals (Sweden)

Corbett A Michelle

2007-03-01

Full Text Available Abstract Background Much research has shown that the homeless have higher rates of substance abuse problems than housed populations and that substance abuse increases individuals' vulnerability to homelessness. However, the effects of housing policies on drug users' access to housing have been understudied to date. This paper will look at the "unofficial" housing policies that affect drug users' access to housing. Methods Qualitative interviews were conducted with 65 active users of heroin and cocaine at baseline, 3 and 6 months. Participants were purposively sampled to reflect a variety of housing statuses including homeless on the streets, in shelters, "doubled-up" with family or friends, or permanently housed in subsidized, unsubsidized or supportive housing. Key informant interviews and two focus group interviews were conducted with 15 housing caseworkers. Data were analyzed to explore the processes by which drug users receive information about different housing subsidies and welfare benefits, and their experiences in applying for these. Results A number of unofficial policy mechanisms limit drug users' access to housing, information and services, including limited outreach to non-shelter using homeless regarding housing programs, service provider priorities, and service provider discretion in processing applications and providing services. Conclusion Unofficial policy, i.e. the mechanisms used by caseworkers to ration scarce housing resources, is as important as official housing policies in limiting drug users' access to housing. Drug users' descriptions of their experiences working with caseworkers to obtain permanent, affordable housing, provide insights as to how access to supportive and subsidized housing can be improved for this population.

75 FR 9491 - Proposed Information Collection (Application for Cash Surrender or Policy Loan) Activity: Comment...

Science.gov (United States)

2010-03-02

....S.C. 3501-21), Federal agencies must obtain approval from the Office of Management and Budget (OMB... (Application for Cash Surrender or Policy Loan) Activity: Comment Request AGENCY: Veterans Benefits... to determine a claimant's eligibility for a loan or cash surrender value on his or her Government...

78 FR 18426 - Proposed Information Collection (Application for Cash Surrender or Policy Loan) Activity: Comment...

Science.gov (United States)

2013-03-26

... obtain approval from the Office of Management and Budget (OMB) for each collection of information they... (Application for Cash Surrender or Policy Loan) Activity: Comment Request AGENCY: Veterans Benefits... to determine a claimant's eligibility for a loan or cash surrender value on his or her Government...

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.

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...

Hazardous Times for Monetary Policy : What do Twenty-three Million Bank Loans Say about the Effects of Monetary Policy on Credit Risk?

NARCIS (Netherlands)

Jiminez, G.; Ongena, S.; Saurina, J.

2007-01-01

We investigate the impact of the stance and path of monetary policy on the level of credit risk of individual bank loans and on lending standards. We employ the Credit Register of the Bank of Spain that contains detailed monthly information on virtually all loans granted by all credit institutions

Housing sector in emerging countries and international climate policy

International Nuclear Information System (INIS)

Barbier, C.

2006-01-01

After a first part on the relationship between housing and greenhouse effect in developing countries (assessment of the share of the housing-tertiary sector in CO 2 emissions in the world, housing stock growth and livelihood improvement, trend towards a sustainable city), this report proposes an overview of the Chinese situation in terms of greenhouse gas emissions, energy consumption in the housing sector, fossil energy production, energy prices, urban demographic dynamics and its impact on the housing stock. It describes the Chinese institutional frame (housing policy reform, energy mastering policy, actors of the housing sector), discusses some perspective aspects of housing energy consumption and CO 2 emissions: energy consumption by 2020, regional approach, usages of electricity, evolution of the housing stock by 2020, potential gains in CO 2 emissions, methodological framework for the assessment of the evolution of housing energy consumptions, simulation tool

75 FR 50936 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management

Science.gov (United States)

2010-08-18

...-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management AGENCY: Farm Credit... sound operation of System institutions by strengthening their risk management practices and abilities to... the establishment of consistent, uniform and prudent concentration risk management policies by System...

Ecuador's energy policy mix: Development versus conservation and nationalism with Chinese loans

International Nuclear Information System (INIS)

Escribano, Gonzalo

2013-01-01

Ecuador's energy policy faces a complex variety of political and economic objectives that are difficult to reconcile in a consistent manner. Ecuador is a small oil producer and exporter with significant renewable (mainly hydropower) resources, hosting some of the richest biodiversity areas in the world, part of which are inhabited by so far indigenous un-contacted people. Being a developing country, tensions arise between conservation aims and development imperatives, as well as between resource nationalism and much-needed foreign financing. However, the really limiting factor for the country's energy development seems to be its constraints in financing the government's development and redistributive policies. Resorting to Chinese loans-for-oil may be part of the solution in the short term, but it does not substitute for a more consistent energy policy. Ecuador's case illustrates the dilemmas of energy policy in natural resource-rich developing countries when confronted with diverging political economy, social, environmental and macro-financial goals. - Highlights: ► Ecuador's energy policy lacks coherence and is plagued with inconsistencies. ► Its three main drivers are development, conservation and resource nationalism. ► Fulfilling President Correa's social agenda requires increasing oil production. ► Conservation demands have been subjected to developmental imperatives. ► Chinese loans and investments limit resource nationalism and favour pragmatism

75 FR 68533 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations; Capital...

Science.gov (United States)

2010-11-08

... FARM CREDIT ADMINISTRATION 12 CFR Part 615 RIN 3052-AC25 Funding and Fiscal Affairs, Loan Policies... K. Van Meter, Deputy Director, Office of Regulatory Policy, Farm Credit Administration, 1501 Farm... Director, Office of Regulatory Policy, Farm Credit Administration, McLean, VA 22102- 5090, (703) 883-4232...

75 FR 30687 - Organization; Eligibility and Scope of Financing; Funding and Fiscal Affairs, Loan Policies and...

Science.gov (United States)

2010-06-02

...; Eligibility and Scope of Financing; Funding and Fiscal Affairs, Loan Policies and Operations, and Funding... INFORMATION CONTACT: Elna Luopa, Senior Corporate Analyst, Office of Regulatory Policy, Farm Credit...

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...

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...

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...

Shifting from policy relevance to policy translation: do housing and neighborhoods affect children's mental health?

Science.gov (United States)

Osypuk, Theresa L

2015-02-01

The impact of housing and neighborhood context on children's mental health, as addressed by Flouri et al. (Soc Psychiatry Psychiatr Epidemiol, 2014), is an important, understudied topic in social epidemiology. Although the vast majority of this body of research has been descriptive, generating translational research is essential. This article offers guidance on interpreting evidence from observational studies for translation into policy, related to three policy-relevant elements of housing: receipt of affordable housing subsidies, the target population to which results generalize, and operationalization and modeling of neighborhood context. Policy translation is imperative for understanding which levers outside the health sector can be manipulated to change fundamental causes of mental health related to housing and neighborhood. Shifting from policy relevance to policy translation may be challenging, especially for understanding social causation in observational studies, but it is a necessary shift for improving population health.

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...

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.

Housing Bubbles and Monetary Policy: A Reassessment

OpenAIRE

O'Meara, Graeme

2015-01-01

This study contributes to the ongoing debate over the causes of housing bubbles. The argument that excessively low interest rates were responsible for the run up in house prices over the last decade has received considerable attention in the literature. However, few papers have attempted to quantify the extent of house price overvaluation in countries that have seen housing booms and busts, in addition to quantifying the looseness of monetary policy. For a sample of 10 OECD countries, we es...

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...

Suggestions of Policy Direction to Improve the Housing Quality in South Korea

Directory of Open Access Journals (Sweden)

Miyeon Park

2016-05-01

Full Text Available Following the recent global climate changes, many countries, including developed nations, are announcing greenhouse gas (GHG reduction targets and are actively participating in reducing GHG. Therefore, the role of the building sector on reducing GHG is being emphasized, and the establishment of policy structures for both making environmentally friendly capacity compulsory and improving the housing quality is being demanded. South Korea is also developing a policy for improving housing quality, but in order to achieve more competitive growth, this must be preceded by an analysis of current policy status within various countries on improving housing quality. This study aims to suggest direction about policies that will improve the housing quality in South Korea. For this, the policies of major countries were able to categorize and compare according to three major categories (performance, function, and aesthetics, and seven factors (safety, durability, cost and maintenance, response to residents’ needs, habitability, energy saving, and building design regarding housing quality. As a result, from the performance aspect, policy directions were suggested for safe housing, the urban environment, regeneration of quality stock, and the usage of existing stock; from the functional aspect, policies for improving housing quality that responds to the aging population and energy saving housing were suggested; from the aesthetic aspect, housing designs that consider the urban environment were suggested.

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...

Policy impact of the Indonesian Central Bank certificate related on loan interest rate to the demand growth of property

Science.gov (United States)

Wirjodirdjo, B.; Asjari, H. Y.

2018-04-01

The Indonesian economic indicators shown a positive progress in the last three years, Foreign exchange reserves position of the end of March 2017 stood at US 121.8 billion higher than the position of the end of 2015 amounted to US 105.9 billion of the end of 2015. This reserve would ensure the resilience and maintaining sustainable Indonesian economic growth in the future. Although Indonesia’s foreign exchange is better, the structure of expenditure in the country is still less than ideal due the proportion of spending of consumer goods is far greater than the capital goods and tend to be unproductive spending. This needs to be regulated so that in the long term does not cause balance of payments deficit. Therefore, Indonesian Central Bank took a policy to raise interest rates for retail banks from 6% to 7.25% per annum gradually up to present. Policies relating to the interest rates on loans are intended to reduce the proportion of debt financing of consumer goods, however, these policies have implications to various economic sectors and one of those is property sector. A lot of research has been conducted related the impact of loan interest to the property sector but most of it is still in partial related to the ability the people to buy. However, this research has tried to see the implication of the macro Economic Policy of Indonesian Central Bank to the property sector as a systemic problem. This paper is going to present the study on the effects of these policies on the property sector, especially residence house. To obtain a comprehensive analysis and capture the relationship between interest rate policies and their impacts to the property sector, in this study the model developed and simulated using system dynamic methodology as an approach. Various scenarios are applied to the model to get an accurate information about how and when the effectiveness of the policy related to the property sector can be enforced. The result of this study can be delivered to

Shelter from the Storm: Roles, responsibilities, and challenges in United States housing policy governance.

Science.gov (United States)

Willison, Charley

2017-11-01

Housing is a critical social determinant of health. Housing policy not only affects health by improving housing quality, affordability, and insecurity; housing policy affects health upstream through the politics that shape housing policy design, implementation, and management. These politics, or governance strategies, determine the successes or failures of housing policy programs. This paper is an overview of challenges in housing policy governance in the United States. I examine the important relationship between housing and health, and emphasize why studying housing policy governance matters. I then present three cases of housing governance challenges in the United States, from each pathway by which housing affects health - housing quality, affordability, and insecurity. Each case corresponds to an arm of the TAPIC framework for evaluating governance (Krieger and Higgins) [1], to assess mechanisms of housing governance in each case. While housing governance has come a long way over the past century, political decentralization and the expansion of the submerged state have increased the number of political actors and policy conflict in many areas. This creates inherent challenges for improving accountability, transparency, and policy capacity. In many instances, too, reduced government accountability and transparency increases the risk of harm to the public and lessens governmental integrity. Copyright © 2017 The Author. Published by Elsevier B.V. All rights reserved.

Shifting from policy relevance to policy translation: Do housing and neighborhoods affect children’s mental health?

Science.gov (United States)

Osypuk, Theresa L.

2016-01-01

The impact of housing and neighborhood context on children’s mental health, as addressed by Flouri and colleagues [1], is an important, understudied topic in social epidemiology. Although the vast majority of this body of research has been descriptive, generating translational research is essential. This article offers guidance on interpreting evidence from observational studies for translation into policy, related to three policy-relevant elements of housing: receipt of affordable housing subsidies, the target population to which results generalize, and operationalization and modeling of neighborhood context. Policy translation is imperative for understanding which levers outside the health sector can be manipulated to change fundamental causes of mental health related to housing and neighborhood. Shifting from policy relevance to policy translation may be challenging, especially for understanding social causation in observational studies, but it’s a necessary shift for improving population health. PMID:25527210

A Case Study of Gender Neutral Policies in University Housing

Science.gov (United States)

Chave, Josh

2014-01-01

Gender neutral housing is an innovative new policy being developed in colleges around the country. One reason to create these policies is an attempt to meet the unique needs and challenges of lesbian, gay, bisexual, and transgender students. As the number of gender neutral housing policies in the United States continues to rise, research has been…

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...

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...

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...

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...

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...

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...

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...

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...

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

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...

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...

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...

Combining apps targeting professionals and senior citizens to improve housing accessibility and influence housing provision policies

DEFF Research Database (Denmark)

Helle, Tina; Iwarsson, Susanne; Lunn, Tine Bieber

2015-01-01

Two separate apps that address the increasingly important issue of accessible housing for senior citizens have been developed in different project settings. One of the apps was developed to facilitate the process for professional raters to assess housing accessibility in the context of individual...... and influence housing provision policies....

Combining tariffs, investment subsidies and soft loans in a renewable electricity deployment policy

International Nuclear Information System (INIS)

Mir-Artigues, Pere; Río, Pablo del

2014-01-01

Policy combinations and interactions have received a considerable attention in the climate and energy policy realm. However, virtually no attention has been paid to the analysis of the combination of different deployment instruments for the same renewable energy technology. This neglect is all the more striking given the existence in current policy practice of combinations of deployment instruments either across technologies or for the same technology, both in the EU and elsewhere. What renewable electricity support policies to use and, therefore, how to combine them in order to promote the deployment of renewable energy technologies cost-effectively is a main concern of governments. The aim of this paper is to provide insight on the cost-effectiveness of combinations of deployment instruments for the same technology. A financial model is developed for this purpose, whereby feed-in tariffs (FITs) are combined with investment subsidies and soft loans. The results show that the policy costs of combinations are the same as for the FITs-only option. Therefore, combining deployment instruments is not a cost-containment strategy. However, combinations may lead to different inter-temporal distributions of the same amount of policy costs and, thus, differently affect the social acceptability and political feasibility of renewable energy support. - Highlights: • Insight on the cost-effectiveness of combinations of deployment instruments for the same technology. • A financial model is developed. • Feed-in tariffs (FITs) are combined with investment subsidies and soft loans. • The policy costs of combinations are the same as for the FITs-only option. • Therefore, combining deployment measures is not a cost-containment strategy

Governance, technology, and equity: An integrated policy framework for energy efficient housing

International Nuclear Information System (INIS)

Golubchikov, Oleg; Deda, Paola

2012-01-01

Transforming the housing stock to a low energy performance is a key priority in the context of sustainable development and a post-carbon transition. However, in terms of its practical implementation it, firstly, faces a number of complex institutional barriers, while, secondly, involves a risk of being dominated by a narrow technocratic agenda for energy/carbon reduction that may overtake the socially progressive pursuits of housing policy. Energy efficiency strategies for the residential sector must, therefore, be multidimensional, fully synergised with housing policy, and incorporating the principles of equity, access and a balanced geographical development. This paper discusses a strategic policy framework, which was designed by the United Nations Economic Commission for Europe (UNECE) to address those important needs in international policy. The document – Action Plan for Energy-efficient Housing in the UNECE Region – outlines a number of goals, targets and actions structured at three dimensions: (i) governance and finance, (ii) technological advancement, and (iii) access and affordability. The Action Plan provides a comprehensive and integrated framework, based on which governments can shape their own pathways towards a sustainable low-energy residential sector. - Highlights: ► Residential sector has a large potential for energy and carbon reduction. ► Energy efficiency for housing must be reconciled with socially oriented housing policy. ► Action Plan for Energy-efficient Housing in the UNECE region is presented. ► The Plan offers an integrated framework for sustainable transition to low-energy housing. ► Governance, technology, and equitable access are three key elements of the framework.

Radon in HUD assisted multifamily housing: Policy recommendations to the Congress

International Nuclear Information System (INIS)

1991-04-01

The report complies with Section 1091 of the Stewart B. McKinney Homeless Assistance Amendments Act of 1988 which requires that the HUD Secretary report to the Congress on a recommended policy for addressing radon contamination in specified housing. The housing specified in the Act is virtually all rental housing predominantly for low-income and moderate-income households. Almost all of it is multifamily housing: row houses, walk-up apartment buildings, or high-rise buildings. There is inadequate information on the extent to which excessive concentrations of radon occur above the first floor of multistory buildings and on the variation in radon concentrations in attached houses in the same row. HUD's recommended policy is in the four topic areas specified in the Act: research, education, testing, and mitigation

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.

Gender and housing policy in South Africa: Policy and practice in ...

African Journals Online (AJOL)

BlignautAS

, attitudes and values that communities and societies .... Society legitimises a family and housing ... this policy is to balance a Basic Needs approach with ...... New Working Paper Series. Issue 9. Lon- don. School of Economics. Gender Institute.

77 FR 70181 - Request for Information on Adopting Smoke-Free Policies in Public Housing Agencies (PHAs) and...

Science.gov (United States)

2012-11-23

... Adopting Smoke-Free Policies in Public Housing Agencies (PHAs) and Multifamily Housing: Reopening of Public... smoke-free policies for both public housing and multifamily housing. HUD was seeking information from... implementing smoke-free policies for both public housing and multifamily housing. In the October 4, 2012 notice...

A review of UK housing policy: ideology and public health.

Science.gov (United States)

Stewart, J

2005-06-01

The aim of this paper is to review UK public health policy, with a specific reference to housing as a key health determinant, since its inception in the Victorian era to contemporary times. This paper reviews the role of social and private housing policy in the development of the UK public health movement, tracing its initial medical routes through to the current socio-economic model of public health. The paper establishes five distinct ideologically and philosophically driven eras, placing public health and housing within liberal (Victorian era), state interventionist (post World War 1; post World War 2), neoliberal (post 1979) and "Third Way" (post 1997) models, showing the political perspective of policy interventions and overviewing their impact on public health. The paper particularly focuses on the contemporary model of public health since the Acheson Report, and how its recommendations have found their way into policy, also the impact on housing practice. Public health is closely related to political ideology, whether driven by the State, individual or partnership arrangements. The current political system, the Third Way, seeks to promote a sustainable "social contract" between citizens and the State, public, private and voluntary organizations in delivering community-based change in areas where health inequalities can be most progressively and successfully addressed.

78 FR 48941 - Agency Information Collection (Application for Cash Surrender or Policy Loan) Activities: Under...

Science.gov (United States)

2013-08-12

... the Office of Management and Budget (OMB) for review and comment. The PRA submission describes the... (Application for Cash Surrender or Policy Loan) Activities: Under OMB Review AGENCY: Veterans Benefits... ``OMB Control No. 2900-0012.'' SUPPLEMENTARY INFORMATION: Titles: a. Application for Cash Surrender...

77 FR 75362 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations

Science.gov (United States)

2012-12-20

... FARM CREDIT ADMINISTRATION 12 CFR Part 615 Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations CFR Correction 0 In Title 12 of the Code of Federal Regulations, Parts 600 to 899, revised as of January 1, 2012, on page 209, Subpart S, consisting of Sec. 615.5570, is...

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

Clearing the Air: Smoke-Free Housing Policies, Smoking, and Secondhand Smoke Exposure Among Affordable Housing Residents in Minnesota, 2014-2015.

Science.gov (United States)

Kingsbury, John H; Reckinger, Dawn

2016-08-18

During the past 30 years, local and state tobacco use control laws in the United States have helped reduce smoking prevalence and exposure to secondhand smoke, but progress among low socioeconomic populations has been slow. Implementing smoke-free housing policies in affordable housing may help address this issue. The purpose of our study was to assess how such policies affect smoking rates and exposure to secondhand smoke among residents of affordable housing. We conducted a pretest-posttest longitudinal study of 180 residents from 8 affordable housing properties in Minnesota. Participating properties agreed to adopt a smoke-free housing policy covering indoor grounds, and 3 of these properties also prohibited smoking on all outdoor grounds. Policies were implemented with assistance from local public health departments and the Statewide Health Improvement Program. Participants completed surveys one month before policy implementation and 6 months postimplementation. Surveys assessed smoking, quit attempts, and indoor and outdoor secondhand smoke exposure. Results indicated a significant reduction in nonsmokers' indoor exposure to secondhand smoke (F1,144 = 22.69, P exposure to secondhand smoke from Time 1 (pretest) to Time 2 (posttest) (F1,140 = 2.17, P = .14). However, when examining sites that only prohibited smoking indoors, we observed an increase in outdoor secondhand smoke exposure that approached significance (F1,118 = 3.76, P = .055). Results showed no change in quit attempts over time, but 77% of residents who smoked at pretest reported reducing the amount that they smoked at posttest, and an additional 5% reported that they had quit. Smoke-free housing policies may be an effective strategy to reduce exposure to indoor secondhand exposure and promote decreased cigarette smoking among residents of affordable housing.

Secondhand Smoke Exposure and Smoke-free Policy in Philadelphia Public Housing.

Science.gov (United States)

Klassen, Ann C; Lee, Nora L; Pankiewicz, Aaron; Ward, Rikki; Shuster, Michelle; Ogbenna, Bethany Townsend; Wade, Anita; Boamah, Maxwell; Osayameh, Olufunlayo; Rule, Ana M; Szymkowiak, Dorota; Coffman, Ryan; Bragg, Virginius; Mallya, Giridhar

2017-04-01

Multi-unit housing environments remain significant sources of secondhand smoke (SHS) exposure, especially for vulnerable populations in subsidized housing. In Philadelphia, the largest US housing authority to implement smoke-free policies, we measured baseline resident smoking-related behaviors and attitudes, and longitudinal exposures to airborne nicotine, during policy development and implementation. In 4 communities, we collected data in 2013, 2014, and 2016, before and after introduction of comprehensive smoke-free policies, interviewing persons in 172 households, and monitoring air-borne nicotine in non-smoking homes and public areas. Average nicotine level differences across years were estimated with multi-level models. Fifty-six percent of respondents smoked. Only 37% of households were smoke-free, with another 41% restricting smoking by area or time of day. The number of locations with detectable nicotine did not differ before and after policy implementation, with approximately 20% of non-smoking homes and 70%-80% of public areas having detectable nicotine. However, public area nicotine levels were lower in 2016, after policy implementation, than in 2013 and 2014 (-0.19 μg/m 3 , p = .03). Findings suggest that initial policy implementation was associated with reduced SHS exposure in Philadelphia. As HUD strengthens smoke-free policies, SHS monitoring can be useful to educate stakeholders and build support for policy enforcement.

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...

Urban Housing Policy Review of China : From Economic Growth to Social Inclusion

NARCIS (Netherlands)

Deng, W.; Hoekstra, J.S.C.M.; Elsinga, M.G.

2015-01-01

This paper reviews the housing policy of China from 1949-2013. It examines the housing tenure change, policy instruments, and impacts social structures in different time periods. After the welfare period of 1949-77, the dual provision period of 1978-1998, and the market dominant period of 1999-2011,

Urban housing policy review of China : From economic growth to social inclusion

NARCIS (Netherlands)

Deng, W.; Hoekstra, J.S.C.M.; Elsinga, M.G.

2014-01-01

This paper reviews the housing policy of China from 1949-2013. It examines the housing tenure change, policy instruments, and impacts social structures in different time periods. After the welfare period of 1949-77, the dual provision period of 1978-1998, and the market dominant period of 1999-2011,

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...

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...

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...

Tax policy, housing and the labour market

DEFF Research Database (Denmark)

Jensen, Svend Erik Hougaard; Nielsen, Søren Bo; Pedersen, Lars Haagen

1996-01-01

This paper develops an intertemporal simulation model designed to analyse tax policies in a small open economy. Within a finite horizon, overlapping generations framework, we introduce imperfect competition in the labour market, consumption and construction of durables in the form of housing units...

75 FR 26346 - Agency Information Collection (Application for Cash Surrender or Policy Loan) Activities: Under...

Science.gov (United States)

2010-05-11

... abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA submission... (Application for Cash Surrender or Policy Loan) Activities: Under OMB Review AGENCY: Veterans Benefits...: Titles: a. Application for Cash Surrender, Government Life Insurance, VA Form 29-1546. b. Application for...

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...

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...

78 FR 21035 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations; Accounting and...

Science.gov (United States)

2013-04-09

... Standards Board Interpretation No. 45 (FIN 45) Guarantor's Accounting and Disclosure Requirements for..., Loan Policies and Operations, and Funding Operations; Accounting and Reporting Requirements; Federal... references to accounting standards in these rules to the Financial Accounting Standards Board (FASB...

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...

78 FR 34550 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations; Accounting and...

Science.gov (United States)

2013-06-10

... to accounting standards in these rules to the Financial Accounting Standards Board Accounting... Financial Accounting Standards Board Accounting Standards Codification. In accordance with 12 U.S.C. 2252..., Loan Policies and Operations, and Funding Operations; Accounting and Reporting Requirements; Federal...

Clearing the Air: Smoke-Free Housing Policies, Smoking, and Secondhand Smoke Exposure Among Affordable Housing Residents in Minnesota, 2014–2015

Science.gov (United States)

Reckinger, Dawn

2016-01-01

Introduction During the past 30 years, local and state tobacco use control laws in the United States have helped reduce smoking prevalence and exposure to secondhand smoke, but progress among low socioeconomic populations has been slow. Implementing smoke-free housing policies in affordable housing may help address this issue. The purpose of our study was to assess how such policies affect smoking rates and exposure to secondhand smoke among residents of affordable housing. Methods We conducted a pretest–posttest longitudinal study of 180 residents from 8 affordable housing properties in Minnesota. Participating properties agreed to adopt a smoke-free housing policy covering indoor grounds, and 3 of these properties also prohibited smoking on all outdoor grounds. Policies were implemented with assistance from local public health departments and the Statewide Health Improvement Program. Participants completed surveys one month before policy implementation and 6 months postimplementation. Surveys assessed smoking, quit attempts, and indoor and outdoor secondhand smoke exposure. Results Results indicated a significant reduction in nonsmokers’ indoor exposure to secondhand smoke (F 1,144 = 22.69, P secondhand smoke from Time 1 (pretest) to Time 2 (posttest) (F 1,140 = 2.17, P = .14). However, when examining sites that only prohibited smoking indoors, we observed an increase in outdoor secondhand smoke exposure that approached significance (F 1,118 = 3.76, P = .055). Results showed no change in quit attempts over time, but 77% of residents who smoked at pretest reported reducing the amount that they smoked at posttest, and an additional 5% reported that they had quit. Conclusions Smoke-free housing policies may be an effective strategy to reduce exposure to indoor secondhand exposure and promote decreased cigarette smoking among residents of affordable housing. PMID:27536903

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...

Housing for the elderly: a policy not yet guaranteed

Directory of Open Access Journals (Sweden)

Adriana Romeiro de Almeida Prado

2011-09-01

Full Text Available The aging of the population is a fact that has been well documented in studies. This text examines how to ensure housing with quality of life for this aging population. First, it indicates the legal provisions that require the government to implement policies to ensure better housing for the aging population. It refers to the WHO Age-friendly cities Program, and comments on the  project developed by the São Paulo State Housing Office Program of social interest housing with  the concept of universal design, and others. In the second part it presents suggestions on the care and details to be considered in the design and construction of housing to ensure greater comfort and security for this age range.

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...

Examining Policies to Reduce Homelessness Using a General Equilibrium Model of the Housing Market

OpenAIRE

Mansur, Erin; Quigley, John M.; Raphael, Steven; Smolensky, Eugene

2003-01-01

In this paper, we use a general equilibrium simulation model to assess the potential impacts on homelessness of various housing-market policy interventions. We calibrate the model to the four largest metropolitan areas in California. We explore the welfare con- sequences and the effects on homelessness of three housing-market policy interventions: extending housing vouchers to all low-income households, subsidizing all landlords, and subsidizing those landlords who supply low-income housing. ...

Energy savings from housing: Ineffective renovation subsidies vs efficient demolition and reconstruction incentives

International Nuclear Information System (INIS)

Dubois, Maarten; Allacker, Karen

2015-01-01

Energy savings in the housing sector are key to reduce global greenhouse gas emissions. Policies to incentivize energy savings are however disparate between countries. Taking into account environmental aspects and consumer surplus, the paper uses a stylized economic model to assess the effectiveness and efficiency of three economic instruments: subsidies for renovation, subsidies for demolition and reconstruction projects and subsidies for building new houses on virgin land. The assessment also relates to differentiated value added taxes and other financial incentives such as green loans. In a counter-intuitive way, the model highlights that subsidies for renovations with minor energy gains worsen the overall energy consumption of housing due to the inducement of lock-ins with energy inefficient houses. Structural changes are needed in the use of policy instruments. First, commonly applied support schemes for renovations with minor energy savings should be abolished. Second, scarce public resources should incentivize deep renovation and demolition and reconstruction. Finally, taxes should apply on the use of virgin land to persuade households with a high willingness to pay for a new house, to invest in demolition and reconstruction. - Highlights: • Renovation subsidies worsen overall energy consumption of housing. • Renovation induces a lock-in with energy inefficient houses. • Renovation subsidies should be abolished or structurally reformed. • Policy should incentivize demolition and reconstruction projects. • Building on virgin land should be taxed.

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...

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...

77 FR 39387 - Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date

Science.gov (United States)

2012-07-03

... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC60 Loan Policies and Operations; Lending and Leasing Limits and Risk Management; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA or Agency), through the FCA Board (Board...

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...

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...

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...

7 CFR 1955.2 - Policy.

Science.gov (United States)

2010-01-01

... of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... REGULATIONS (CONTINUED) PROPERTY MANAGEMENT Liquidation of Loans Secured by Real Estate and Acquisition of... sale of the property by the borrower (except for Multiple Family Housing (MFH) loans subject to...

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...

Impact of smoke-free housing policy lease exemptions on compliance, enforcement and smoking behavior: A qualitative study

Directory of Open Access Journals (Sweden)

Pamela Kaufman

2018-06-01

Full Text Available This paper investigates the impacts of smoke-free housing policies on compliance, enforcement and smoking behavior. From 2012 to 2014, we studied two affordable housing providers in Canada with comprehensive smoke-free policies: Waterloo Regional Housing that required new leases to be non-smoking and exempted existing leases, and Yukon Housing Corporation that required all leases (existing and new to be non-smoking. Focus groups and key informant interviews were conducted with 31 housing and public health staff involved in policy development and implementation, and qualitative interviews with 56 tenants. Both types of smoke-free policies helped tenants to reduce and quit smoking. However, exempting existing tenants from the policy created challenges for monitoring compliance and enforcing the policy, and resulted in ongoing tobacco smoke exposure. Moreover, some new tenants were smoking in exempted units, which undermined the policy and maintained smoking behavior. Our findings support the implementation of complete smoke-free housing policies that do not exempt existing leases to avoid many of the problems experienced by staff and tenants. In jurisdictions where exempting existing leases is still required by law, adequate staff resources for monitoring and enforcement, along with consistent and clear communication (particularly regarding balconies, patios and outdoor spaces will encourage compliance. Keywords: Smoke-free policy, Housing, Tobacco smoke pollution, Smoking cessation, Qualitative research

Profits and votes: Entrepreneurs and the government in Brazilian housing policy

Directory of Open Access Journals (Sweden)

EDNEY CIELICI DIAS

2015-12-01

Full Text Available ABSTRACTAfter more than twenty years of low housing construction output, the housing policy recovered its momentum in the country with the ascent of the Partido dos Trabalhadores (Workers' Party, PT to the seat of the federal government. This article demonstrates - through the analysis of documents, interviews and research conducted with businessmen - that the impetus of such a state policy is a part of the PT electoral strategy, which is based on economic growth and the expansion of social programs. The research analyses the dovetailing of interests between the Lula (the Brazilian President from 2003 to 2010 administration and the civil construction business - the latter concerned with expanding its business, and the former with increasing the supply of jobs and the level of economic activity. This process culminated in the launching of the largest social housing program to be implemented in the country. Minha Casa, Minha Vida (My House, My Life, is a project in whose planning building companies played a key role, performing feasibility studies and carrying out social housing projects.

The housing policy nexus and people’s responses to housing challenges in post-communist cities

Directory of Open Access Journals (Sweden)

Sasha Tsenkova

2014-12-01

Full Text Available This article explores major trends and patterns of change embedded in the overall process of economic, social and political transformation reshaping the urban challenges in eastern European cities. It reflects on important drivers of change such as efforts to create a market-based housing system and competitive housing markets in the post-communist urban world. The research draws much-needed attention to an important set of urban and housing policy issues with broad implications for understanding the transition process in the region. It explores the multi-layered processes of market-based housing reforms (privatisation, deregulation and devolution and their impact on the spatial transformation of urban housing markets in eastern European cities. The main argument, supported with empirical evidence from a number of eastern European cities, is that the impact of these most significant processes of urban change has created a mosaic of diverse urban challenges. Exploring these urban challenges through the housing lens sets the stage for a better understanding of urban social movements in eastern European cities and their dynamic realities. The article argues that the diverse role of urban social movements can be explained by reference to democratic traditions, practices and policy cultures in eastern European cities, and also to institutional structures and the capacity of non-market stakeholders. In some cases, stronger government and governance traditions since the political changes of the 1990s would allow non-government organisations to “voice” their concerns and be accepted as a legitimate partner in coalitions responding to urban challenges. In other cases, such capacity and institutional collaboration may be non-existent, leading to “exit” and abandonment of formal systems. In the first option, urban social movements have resurrected debates about gentrification and social segregation in housing estates and neighbourhoods previously

Hazardous times for monetary policy : What do twenty-three million bank loans say about the effects of monetary policy on credit risk-taking?

NARCIS (Netherlands)

Jiménez, G.; Ongena, S.; Peydro, J.L.; Saurina, J.

2014-01-01

We identify the effects of monetary policy on credit risk-taking with an exhaustive credit register of loan applications and contracts. We separate the changes in the composition of the supply of credit from the concurrent changes in the volume of supply and quality, and the volume of demand. We

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...

The Impact of Public Housing Policy on Family Social Work Theory and Practice

Science.gov (United States)

McCarty, Dawn

2008-01-01

Social workers are the professionals most engaged with families living in low-income and subsidized housing and most familiar with the problems associated with inadequate housing. Yet the discussion of public housing policy has been left largely to economists and housing activists and the clear implications for family social work practice have not…

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...

7 CFR 1744.207 - Investment not to jeopardize loan security.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Investment not to jeopardize loan security. 1744.207... SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO GUARANTEED AND INSURED TELEPHONE LOANS Borrower Investments § 1744.207 Investment not to jeopardize loan security. A borrower shall...

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...

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...

Individual, social, and environmental factors associated with support for smoke-free housing policies among subsidized multiunit housing tenants.

Science.gov (United States)

Hood, Nancy E; Ferketich, Amy K; Klein, Elizabeth G; Wewers, Mary Ellen; Pirie, Phyllis

2013-06-01

Mandatory smoke-free policies in subsidized, multiunit housing (MUH) may decrease secondhand smoke exposure in households with the highest rates of exposure. Ideally, policies should be based on a strong understanding of factors affecting support for smoke-free policies in the target population to maximize effectiveness. A face-to-face survey was conducted from August to October 2011 using a stratified random sample of private subsidized housing units in Columbus, OH, without an existing smoke-free policy (n = 301, 64% response rate). Lease holders were asked to report individual, social, and environmental factors hypothesized to be related to support for smoke-free policies. Multiple logistic regression models were used to identify factors independently associated with policy support. Most tenants supported smoke-free policies in common areas (82.7%), half supported policies inside units (54.5%), and one third supported a ban outside the building (36.3%). Support for smoke-free policies in units and outdoors was more common among nonsmokers than smokers (71.5% vs. 35.7%, p social, but no environmental, factors were independently associated with policy support. Smokers who intended to quit within 6 months or less were more likely than other smokers to support in-unit policies (45.3% vs. 21.1%; p = .003). More than half of subsidized MUH tenants supported smoke-free policies inside their units. Strategies to address individual- and social-level barriers to behavior change should be implemented in parallel with smoke-free policies. Policies should be evaluated with objective measures to determine their effectiveness.

Striving for Sustainable Development and the Coordinating Role of the Central Government: Lessons from Swedish Housing Policy

Directory of Open Access Journals (Sweden)

Kristina Söderholm

2016-08-01

Full Text Available Housing plays an important role in the development of welfare policies and also often in achieving sustainability goals. There exists, however, implementation gaps between policies and practices in urban development and housing. Here it should be possible to draw lessons from policy implementations in the past. In this article we explore the strategies of the Swedish central government in implementing a social housing policy in the mid-20th century. The policy was successfully implemented in that it resulted in the rapid expansion and modernisation of the Swedish apartment stock in the late 1960s and early 1970s, and acute housingshortages and poor housing standards were overcome. The main lesson learned from the Swedish case study is the critical role of the central government in implementation throughthe strategic coordination of policy aims, instruments, stakeholders and interests throughout the implementation process. Although the central government could have used hard, almost authoritarian policy instruments to force the realisation of the new policy, it mainly used soft policy tools and focused on coordination. In the contemporary networked governance setting, the central government, like no other player, still has the potential to guide and coordinate implementation processes for the realization of sustainable housing visions.

13 CFR 120.215 - What interest rates apply to smaller loans?

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rates apply to... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.215 What interest rates apply to smaller loans? For a loan over $25,000 but not exceeding $50,000, the...

Appreciation of housing policies in the Metropolitan Area of Londrina-PR

Directory of Open Access Journals (Sweden)

Elisa Roberta Zanon

2015-12-01

Full Text Available This paper presents the interpretation of partial search results on the "Right to Housing: applicability and effectiveness of legal instruments in the Metropolitan Area of Londrina-PR" since 2012 in the Universidade Estadual de Londrina. The context of social housing production in Londrina, from the years 1980 provides analysis allowance and reflection on the implementation of social housing policy in the city, especially in the 2000s programs, in particular with the implementation of the Residential Vista Bela by Minha Casa Minha Vida Program, one of the largest housing projects in Brazil, handed out the population in 2011 and 2012.

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...

Assessment of current Dutch energy transition policy instruments for the existing housing stock

International Nuclear Information System (INIS)

Tambach, Milly; Hasselaar, Evert; Itard, Laure

2010-01-01

This research assesses to what extent current Dutch energy transition policy instruments for the existing housing stock can fulfil local executive actors' needs and instigate adoption of energy efficiency measures by them. This is done by studying energy policy instruments for the existing housing stock in the Netherlands and in other European countries, and by an empirical research, which analyses barriers and needs of local executive actors. We found that, despite current Dutch energy transition policy instruments for the existing housing stock seem to fulfil local executive actors' needs to a large extent, complementary policy instruments are needed to stimulate and pressure the incumbent renovation regime. A long-term oriented financial rewarding system is needed to build up a structural market for the deployment of renewables, to increase the number of specialist jobs in the building sector, and to stimulate the development of integrated, standardized, building components. Furthermore, a long-term oriented financial rewarding system for energy efficiency investments in housing renovation projects, and a low VAT rate applied to energy efficient renovation measures, are needed. Finally, enforcement possibilities and sanctions (fines) should become an integrative part of Dutch energy certification regulation to make the certificate become part of a value chain.

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...

Smoking Policy Change Within Permanent Supportive Housing.

Science.gov (United States)

Petersen, Anne Berit; Stewart, Holly C; Walters, Jon; Vijayaraghavan, Maya

2018-04-01

Smoke-free policies effectively reduce secondhand smoke (SHS) exposure among non-smokers, and reduce consumption, encourage quit attempts, and minimize relapse to smoking among smokers. Such policies are uncommon in permanent supportive housing (PSH) for formerly homeless individuals. In this study, we collaborated with a PSH provider in San Diego, California to assess a smoke-free policy that restricted indoor smoking. Between August and November 2015, residents completed a pre-policy questionnaire on attitudes toward smoke-free policies and exposure to secondhand smoke, and then 7-9 months after policy implementation residents were re-surveyed. At follow-up, there was a 59.7% reduction in indoor smoking. The proportion of residents who identified as current smokers reduced by 13% (95% CI: -38, 10.2). The proportion of residents who reported never smelling SHS indoors (apartment 24.2%, 95% CI: 4.2, 44.1; shared areas 17.2%, 95% CI: 1.7, 32.7); in outdoor areas next to the living unit (porches or patio 56.7%, 95% CI: 40.7, 72.8); and in other outdoor areas (parking lot 28.6%, 95% CI: 8.3, 48.9) was lower post-policy compared with pre-policy. Overall, resident support increased by 18.7%; however, the greatest increase in support occurred among current smokers (from 14.8 to 37.5%). Fewer current smokers reported that the policy would enable cessation at post-policy compared to pre-policy. Our findings demonstrate the feasibility of implementing smoke-free policies in PSH for formerly homeless adults. However, policy alone appears insufficient to trigger change in smoking behavior, highlighting the need for additional cessation resources to facilitate quitting.

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...

Diverse Housing, Diverse Schooling: How Policy Can Stabilize Racial Demographic Change in Cities and Suburbs

Science.gov (United States)

Wells, Amy Stuart

2015-01-01

This policy brief provides a review of the social science evidence on the housing-school nexus, highlighting the problem of reoccurring racial segregation and inequality absent strong, proactive federal or state integration policies. Three areas of research are covered: (a) the nature of the housing-school nexus; (b) the impact of school…

7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Concurrent Bank and RUS cost-of-money loans. 1610.6..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.6 Concurrent Bank and RUS cost-of-money loans. (a) The Bank makes loans, under section 408 of the Act, concurrently with RUS cost-of-money loans made under section...

7 CFR 1610.10 - Determination of interest rate on Bank loans.

Science.gov (United States)

2010-01-01

... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan..., shall bear interest at the rate determined as established below, but not less than 5 percent per annum...

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...

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...

Integrated Assessment of the Policy of Working Capital Management in Housing and Utilities Enterprises

Directory of Open Access Journals (Sweden)

Vladimir Petrovich Poluyanov

2017-06-01

Full Text Available The article describes the approaches to the management of current assets in the enterprises of various industries in economic literature. We discuss theoretical, methodological and applied issues concerning the formation and improvement of the working capital management policy in utility companies, which require further study. The authors propose to assess the policy of working capital management in these enterprises by means of the integrated approach based on the system of reasoned indicators defining the type of working capital management policy. It includes indicators characterizing the policy of working capital management, management of the liquidity of working capital and the policy of financing sources management. The indicators which define the type of the policy of working capital management have been chosen as the most influential for each vector of the improvement of management policy. The range of values is set taking into account the current market conditions for the housing and utilities companies based on theoretical standard values adapted to modern situation. The paper proposes to use an integrated indicator for the evaluation of the policy of working capital management in housing and utilities enterprises. We have substantiated the technique of the integrated assessment of the policy of working capital management in housing and utilities companies. As an example of the application of this indicator, we defined the type of the policy of working capital management in Rostovvodokanal Company. The initial data for the calculation of integrated indicators are the official data on the structure of the balance and financial results of Rostovvodokanal Company during the period from 2012 to 2016. At the Rostovvodokanal Company, it is necessary to bring the type of the policy of working capital management and sources of its financing closer to moderate or conservative type. The authors have substantiated the optimal type of policy of

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...

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...

12 CFR 614.4080 - Loans and chartered territory-banks for cooperatives.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-banks for cooperatives. 614.4080 Section 614.4080 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4080 Loans and chartered territory—banks for...

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

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...

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...

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....

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.…

7 CFR 1710.106 - Uses of loan funds.

Science.gov (United States)

2010-01-01

... and Basic Policies § 1710.106 Uses of loan funds. (a) Funds from loans made or guaranteed by RUS may be used to finance: (1) Distribution facilities. (i) The construction of new distribution facilities... station service, and the borrower is unable to finance the acquisition from other sources. See § 1710.107...

12 CFR 360.2 - Federal Home Loan banks as secured creditors.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Federal Home Loan banks as secured creditors... OF GENERAL POLICY RESOLUTION AND RECEIVERSHIP RULES § 360.2 Federal Home Loan banks as secured... regulations, the receiver of a borrower from a Federal Home Loan Bank shall recognize the priority of any...

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...

How loan interest rate liberalization affects firms'loan maturity structure Evidence from listed manufacturing companies in China

Institute of Scientific and Technical Information of China (English)

Jianfang Zhou; Jingjing Wang; Jianping Ding

2014-01-01

Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.

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...

77 FR 54839 - Energy Efficiency and Conservation Loan Program

Science.gov (United States)

2012-09-06

... CFR Parts 1710, 1717, 1721, 1724, and 1730 RIN 0572-AC19 Energy Efficiency and Conservation Loan..., proposing policies and procedures for loan and guarantee financial assistance in support of energy efficiency programs (EE Programs) sponsored and implemented by electric utilities for the benefit of rural...

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...

Loan Supply Shocks in Macedonia: A Bayesian SVAR Approach with Sign Restrictions

Directory of Open Access Journals (Sweden)

Rilind Kabashi

2016-06-01

Full Text Available This paper analyzes the effects of loan supply, as well as aggregate demand,aggregate supply and monetary policy shocks between 1998 and 2014 in Macedonia using a structural vector autoregression model with sign restrictions and Bayesian estimation. The main results indicate that loan supply shocks have no significant effect on loan volumes and lending rates, or on economic activity and prices. The effects of monetary policy on lending activity are fairly limited, although there is some evidence that it affects lending rates more than loan volumes. Monetary policy shocks have strong effects on inflation, while the central bank reacts strongly to adverse shocks hitting the economy. Baseline results are confirmed by several robustness checks. According to historical decomposition, the lending activity was supporting economic growth before and during the crisis, but its contribution became negative during the recovery and it was a drag on growth until the end of the period. Pre-crisis GDP growth is mostly explained by supportive monetary policy. However, the restrictive monetary policy during the crisis contributed to the fall of GDP, before becoming supportive again during the early stages of the recovery. Policy rates in recent years mostly reflect subdued lending activity and aggregate supply factors, which the central bank tries to counteract with a more accommodative policy.

Informed or Overwhelmed? A Legislative History of Student Loan Counseling with a Literature Review on the Efficacy of Loan Counseling. Research Report

Science.gov (United States)

Klepfer, Kasey

2015-01-01

This report (the first in a series of five) explores congressional efforts to mitigate that risk and encourage informed borrowing by enacting statutes related to student loan counseling. After introducing the relevant contemporary policy context, it examines how federal rules governing student loan counseling evolved over time to embrace online…

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...

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)

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...

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...

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

Housing policy, poverty, and culture: 'discounting' decisions among Pacific peoples in Auckland, New Zealand

OpenAIRE

Tarin Cheer; Robin Kearns; Laurence Murphy

2002-01-01

This paper explores the links between housing and other welfare policies, low income, and culture among Pacific peoples within Auckland, New Zealand. These migrant peoples occupy an ambiguous social space within Auckland: they represent the visible face of the world's largest Polynesian city, yet are occupants of some of the city's poorest and least health-promoting housing. Through considering the balance between choice and constraint, we examine how housing costs, poverty, and cultural prac...

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.

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...

Health impact assessment of Roma housing policies in Central and Eastern Europe: A comparative analysis

International Nuclear Information System (INIS)

Molnár, Ágnes; Ádám, Balázs; Antova, Temenujka; Bosak, Lubos; Dimitrov, Plamen; Mileva, Hristina; Pekarcikova, Jarmila; Zurlyte, Ingrida; Gulis, Gabriel; Ádány, Róza; Kósa, Karolina

2012-01-01

Marginalised Roma communities in European countries live in substandard housing conditions the improvement of which has been one of the major issues of the Decade of Roma Inclusion, the ongoing intergovernmental European Roma programme. The paper presents EU-funded health impact assessments of national Roma housing policies and programmes in 3 Central and Eastern European countries in light of the evaluation of a completed local project in a fourth CEE country so as to compare predicted effects to observed ones. Housing was predicted to have beneficial health effects by improving indoor and outdoor conditions, access to services, and socioeconomic conditions. Negative impacts were predicted only in terms of maintenance expenses and housing tenure. However, observed impacts of the completed local project did not fully support predictions especially in terms of social networks, satisfaction with housing and neighbourhood, and inhabitant safety. In order to improve the predictive value of HIA, more evidence should be produced by the careful evaluation of locally implemented housing projects. In addition, current evidence is in favour of planning Roma housing projects at the local rather than at the national level in alignment with the principle of subsidiarity. - Highlights: ► Predictive validity of HIA of national Roma housing policies – in light of current evidence – is low. ► Implemented housing projects should be comprehensively evaluated to improve reliability of HIA. ► Roma housing projects should be planned at the local rather than at the national level. ► HIA should be used to plan Roma housing projects at the local level.

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...

Turning a Blind Eye: Public Support of Emergency Housing Policies for Sex Offenders.

Science.gov (United States)

Socia, Kelly M; Dum, Christopher P; Rydberg, Jason

2017-07-01

In this study, we examine the influences of citizen decision making in the context of four policy scenarios that would affect the living conditions of sex offenders (SOs) residing at an "emergency shelter" budget motel. We surveyed 773 citizens in an online survey about their support for four policy scenarios that would improve the living conditions of SOs: (a) at no cost to the respondent, (b) in exchange for a US$100 tax increase, and (c) by relocating SOs within the respondent's neighborhood (i.e., "in my backyard"/IMBY scenario). The fourth scenario involved moving nearby SOs into substandard housing located far away from the respondent (i.e., "not in my backyard"/NIMBY). While prior research finds that the public overwhelmingly supports punitive SO policies, we find that indifference is a mainstay of public opinion about improving SO housing conditions. That is, we find only modest levels of average support for any of the policy scenarios, and policy support decreased when increased taxes would be involved, compared with a "no cost" scenario. While no respondent characteristics significantly predicted policy support consistently across all four scenarios, some scenarios showed stark differences in support when considering specific respondent characteristics. Overall, these results suggest that what does affect support depends on the details of the policy being proposed, as well as who is considering the policy. We end by discussing the policy implications of our study for both policymakers and the public.

78 FR 50026 - Energy Efficiency and Conservation Loan Program Finding of No Significant Impact

Science.gov (United States)

2013-08-16

... DEPARTMENT OF AGRICULTURE Rural Utilities Service Energy Efficiency and Conservation Loan Program... implementing its new Energy Efficiency and Conservation Loan Program. The FONSI decision document is based on... entitled ``Energy Efficiency and Conservation Loan Program,'' which expands upon policies and procedures...

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...

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...

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...

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

Preferences, power and policy outcomes in public policy in Iceland: The Icelandic Housing Fund fiasco 2003-2005

Directory of Open Access Journals (Sweden)

Sigurbjörg Sigurgeirsdóttir

2014-12-01

Full Text Available This research focuses on the interplay of politics, bureaucracies and markets in Iceland. It aims to explain theoretically how politics and bureaucracies operate when a coalition government makes and implements decisions in a policy environment in which decisions and their effects intersect public bureaucracies’ and markets’ boundaries. The decision to raise the limits of Housing Fund mortgages in 2003 is a case examined by agenda-setting theories in public policy. The research is based on the data from parliamentary Special Investigation reports on the collapse of the Icelandic banks and the Housing Fund as well as the author’s interviews home and abroad. The research shows that, when made, the decision ignited competition between the Housing Fund and the recently privatized banks and that between the banks themselves. The Independence Party’s attempts to delay implementation of the decision involved system change backed by an instrument designed to stem a run on the Fund. The impact of this instrument (a tax on pre-payments was incompatible with the Progressive Party’s political interests. In a hasty attempt to implement its election promises, the Progressive Party ignored the fact that the Fund was operating within a transformed financial system. The conclusions indicate that those who think long-term in politics make policies by changing system dynamics, those who think short-term change programmes. System dynamics, however, change the balance of power and influence between actors, leaving legacies which curb the government’s attempt at change, unless consolidated and sustained political authority and will are established to see changes through.

7 CFR 1718.51 - Policy.

Science.gov (United States)

2010-01-01

... LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Mortgage for Distribution Borrowers § 1718.51 Policy. (a) Adequate loan security must be provided for loans made or guaranteed by RUS. The loans are required to be... security, or in connection with additional loans. (d) RUS may also require such other security instruments...

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...

Towards an effective partnership policy for improving urban low-income housing provision in Nigeria: New institutional economics perspective.

Directory of Open Access Journals (Sweden)

Job Taiwo Gbadegesin

2017-07-01

Full Text Available Recent critique against the past urban housing provision strategies in Nigeria was that the low-income groups are marginalised. It then led to the adoption of public private partnership (PPP initiative with a view to pursuing the broad goal of housing-for-all in Nigeria. Most recent studies have however criticised the effectiveness of the existing PPP practice in the housing provision structure without providing a pragmatic suggestion towards an effective framework for improvement. It thus raised the question; what are the main causes of ineffectiveness of existing PPP in housing provision and how can an effective PPP policy framework for urban low-income housing be achieved in Nigeria? This study utilised the concepts of new institutional economics (NIE - a theoretical and methodological underpinning for multi-actors’ policy matters. Using qualitative data from structured interview and credible literature sources, findings indicate that uncertainties in land accessibility, high transaction costs and the developers’ high profit agenda, are the major causes of PPP ineffectiveness for housing provision, which are also attributed to lack of a specific PPP policy that recognises all income groups and their roles on housing provision. End-users suggested that government could have a negotiation with land owners and building materials dealers to address the housing problem. In conclusion, it is established in this study that adoption of all-inclusive conceptual approach described within the context of NIE thought can facilitate an effective planning for urban low-income housing in Nigeria.

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...

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...

Spatial Aspects of Housing Policy Transformation in Poland After 1989 - Example from Lodz

Directory of Open Access Journals (Sweden)

Agnieszka Ogrodowczyk

2015-01-01

Full Text Available After the demise of socialism, the considerable transformation of the Polish housing sector occurred in the early 1990s. The new laws and institutions were introduced and those new arrangements strongly influenced the development of housing. Currently, the State does not participate directly in the housing development process - it is one of local government responsibilities. Hence, the main purpose of the article is to analyze the priorities and actions of local authorities in the field of housing policy, particularly those aspects that have a specific spatial implications (mainly affect spatial development of the inner city. Analysis is focused on Lodz that really stands out among all municipalities in Poland for the largest participation of public housing, that in the inner city is mostly represented by the old tenement buildings, unfortunately in a very poor condition.

Tackling cold housing and fuel poverty in New Zealand: A review of policies, research, and health impacts

International Nuclear Information System (INIS)

Howden-Chapman, Philippa; Viggers, Helen; Chapman, Ralph; O’Sullivan, Kimberley; Telfar Barnard, Lucy; Lloyd, Bob

2012-01-01

About a quarter of New Zealand households are estimated to be in fuel poverty. NZ has a poor history of housing regulation, so existing houses are often poorly insulated and rental properties are not required to have insulation or heating. Average indoor temperatures are cold by international standards and occupants regularly report they are cold, because they cannot afford to heat their houses. Fuel poverty is thought to be a factor in NZ's high rate of excess winter mortality (16%, about 1600 deaths a year) and excess winter hospitalisations (8%). We examined the link between indoor cold and health in two community trials, the Housing, Insulation, and Health Study and the Housing, Heating, and Health Study and both interventions demonstrated encouraging benefit/cost ratios. NZ governments have translated this and other research into major policy programmes designed to retrofit insulation and efficient heating into existing houses. However, houses are predominantly electrical resistance heated and a largely unregulated electricity market has seen rapidly rising residential electricity prices. These rising energy prices, combined with low rates of economic growth, rising unemployment and generally rising income inequality, are likely to further increase levels of fuel poverty in NZ, unless broader policy action is taken. - Highlights: ► Fuel poverty of New Zealand households is rising with electricity prices. ► Average indoor housing temperatures are low by international standards. ► Excess winter mortality and hospitalisation remain relatively high. ► Trials of retrofitted insulating and heating have influenced policy programmes. ► Fuel poverty benefits of programmes could be overshadowed by rising energy prices.

Qualitative Assessment of Smoke-Free Policy Implementation in Low-Income Housing: Enhancing Resident Compliance.

Science.gov (United States)

Anthony, Jodi; Goldman, Roberta; Rees, Vaughan W; Frounfelker, Rochelle L; Davine, Jessica; Keske, Robyn R; Brooks, Daniel R; Geller, Alan C

2018-01-01

As public housing agencies and other low-income housing providers adopt smoke-free policies, data are needed to inform implementation approaches that support compliance. Focused ethnography used including qualitative interviews with staff, focus groups with residents, and property observations. Four low-income housing properties in Massachusetts, 12 months postpolicy adoption. Individual interviews (n = 17) with property staff (managers, resident service coordinators, maintenance, security, and administrators) and focus groups with resident smokers (n = 28) and nonsmokers (n = 47). Informed by the social-ecological model: intrapersonal, interpersonal, organizational, and community factors relating to compliance were assessed. Utilized MAXQDA in a theory-driven immersion/crystallization analytic process with cycles of raw data examination and pattern identification until no new themes emerged. Self-reported secondhand smoke exposure (SHSe) was reduced but not eliminated. Challenges included relying on ambivalent maintenance staff and residents to report violations, staff serving as both enforcers and smoking cessation counsellors, and inability to enforce on nights and weekends. Erroneous knowledge of the policy, perception that SHSe is not harmful to neighbors, as well as believing that smokers were losing their autonomy and being unfairly singled out when other resident violations were being unaddressed, hindered policy acceptance among resident smokers. The greatest challenge to compliance was the lack of allowable outdoor smoking areas that may have reduced the burden of the policy on smokers. Smoke-free policy implementation to support compliance could be enhanced with information about SHSe for smokers and nonsmokers, cessation support from external community partners, discussion forums for maintenance staff, resident inclusion in decision-making, and framing the policy as part of a broader wellness initiative.

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...

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...

Interlibrary loan and document delivery best practices for operating and managing interlibrary loan services in all libraries

CERN Document Server

Hilyer, Lee Andrew

2013-01-01

A must-have for librarians and their staffs working at all levels?from beginner to expertInterlibrary Loan and Document Delivery is a how-to guide to organizing an interlibrary loan department, providing extensive content on copyright law, ILL management systems, and human resources. This comprehensive book includes an introduction to ILL operations, governing policies, up-to-date information on borrowing and lending, and considerations for medicals libraries and distance learning. It also includes an extensive listing of resources relevant to today's ILL that serves as a handy des

Social Housing Provision in Copenhagen

DEFF Research Database (Denmark)

Tsenkova, Sasha; Vestergaard, Hedvig

-profit housing providers, and a wide range of fiscal and regulatory instruments enhancing the competitive performance of the social housing sector. The research analyses recent housing policy measures and their impact on new social housing provision in Copenhagen. The emphasis is on the mix of housing policy......The paper provides an overview of trends and processes of change affecting new social housing provision in Denmark with a focus on Copenhagen. The local responses are reviewed within the context of changes to the unitary national housing system that functions with a robust range of private and non...... instruments implemented in three major policy domains-fiscal, financial and regulatory-to promote the production of new social housing. The system of new social housing provision is examined as a dynamic process of interaction between public and private institutions defining housing policy outcomes...

Energy efficiency in existing detached housing. Danish experiences with different policy instruments

Energy Technology Data Exchange (ETDEWEB)

Gram-Hanssen, K.; Haunstrup Christensen, T. (Aalborg Univ., Danish Building Research Institute, Hoersholm (Denmark))

2011-07-01

This report contains a memo written as an input to the German project Enef-haus on energy-efficient restoration of single-family houses in Germany. The memo contains a summary of the Danish experiences divided into three main sections: first is a short historic overview of the Danish energy policy indicating when different relevant instruments have been introduced to increase the energy efficiency of privately owned single-family houses. Second is a short introduction to the Danish housing sector and its energy supplies. The third and main part of the report is an examination of the most recent and relevant instruments concluding both on the results concerning the impact of the instruments especially on owners of single-family houses and on more general experiences with their implementation. Finally the memo concludes on the general lessons that can be learned from the Danish experiences. (Author)

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...

7 CFR 1710.102 - Borrower eligibility for different types of loans.

Science.gov (United States)

2010-01-01

... LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.102 Borrower eligibility for different... grid renewable energy systems. (See 7 CFR part 1712). These guarantees are normally used to finance bulk transmission and generation facilities, but they may also be used to finance distribution and...

State-led gentrification and the changing geography of market-oriented housing policies

NARCIS (Netherlands)

Hochstenbach, C.

2017-01-01

Governments in a wide range of contexts have long pursued policies of social mixing to disperse poverty concentrations, attract middle class residents, and manage disadvantaged neighbourhoods. Drawing on longitudinal and spatial housing data for the case of Amsterdam, this paper shows that the

Determinants of loan maturity in small business lending

Directory of Open Access Journals (Sweden)

Ashiqur Rahman

2017-06-01

Full Text Available This paper investigates the determinants of loan maturity of small and medium enterprises (SMEs in the context of Visegrad countries: Czech Republic, Slovak Republic, Poland, and Hungary. The data of instead of for this paper was obtained from the Business Environment and Enterprise Performance Survey (BEEPS, which is a joint project of the European Bank for Reconstruction and Development and the World Bank. By using a binary logistic model, we have found that loan maturity is shorter for older and mature firms, firms owned by female and firms experiencing a shortage of liquidity. At the same time, we have also found that firms having concentrated ownership structure and more tangible assets can borrow for a longer period. In addition to that, we have found evidence that loan maturity is longer for the firms located closer to a bank branch. We also provide empirical support for the assumption that bank low competition is associated with longer maturity. From the obtained results, we may recommend SMEs to borrow from banks that are within their vicinity since this may increase the maturity of loans. Policy makers are recommended to implement policies so that to alleviate gender-related discrimination and take initiatives to moderate the level of competition at this market.

The Interplay Between Housing Stability and Child Separation: Implications for Practice and Policy.

Science.gov (United States)

Rog, Debra J; Henderson, Kathryn A; Lunn, Laurel M; Greer, Andrew L; Ellis, Mei Ling

2017-09-01

Greater understanding of how residential stability affects child separation and reunification among homeless families can guide both child welfare and homeless policy and practice. This article draws upon two longitudinal studies examining services and housing for homeless families and their relationship to family and housing stability. Both studies were conducted in the same state at roughly the same time with similar instruments. The first study, examining families' experiences and outcomes following entry into the homeless service system in three counties in Washington State, found that at 18 months following shelter entry, families that are intact with their children were significantly more likely to be housed in their own housing (46%) than families that were separated from one or more of their children (31%). The second study, a quasiexperimental evaluation of a supportive housing program for homeless families with multiple housing barriers, found that the rates of reunification for Child Protective Services (CPS)-involved families receiving supportive housing was comparable to that for families entering public housing without services, but significantly higher than the rate of reunification for families entering shelter. Taken together, the findings from both studies contribute to the evidence underscoring the importance of housing assistance to homeless families involved in the child welfare system. © Society for Community Research and Action 2017.

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.

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...

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.

Health, Secondhand Smoke Exposure, and Smoking Behavior Impacts of No-Smoking Policies in Public Housing, Colorado, 2014-2015.

Science.gov (United States)

Young, Walter; Karp, Shelley; Bialick, Peter; Liverance, Cindy; Seder, Ashley; Berg, Erica; Karp, Liberty

2016-10-20

Exposure to secondhand smoke is problematic for residents living in multiunit housing, as the smoke migrates through shared ventilation systems, unsealed cracks, and door spaces. The objective of our research was to assess resident exposure to secondhand smoke, support for no-smoking policies, and the health impacts of no-smoking policies in multiunit housing. Surveys of 312 heads of households who resided in 1 of 3 multiunit buildings managed by a Colorado public housing authority were administered before and after implementation of a no-smoking policy that prohibited smoking in all resident apartments and all indoor common areas. A matched-pairs analysis of initial surveys and 15-month post-policy implementation surveys for 115 respondents was conducted. Decreases were found in the number and percentage of smokers who smoked every day and the number of cigarettes smoked per day, and 30% had quit smoking 15 months after policy implementation. The percentage of residents who smelled secondhand smoke indoors declined significantly. A significant decrease in breathing problems was found after policy implementation. Although decreases were found in the incidence of asthma attacks, emphysema/chronic obstructive pulmonary disease, eye irritation, colds, nasal congestion, and ear/sinus infections, these decreases were not significant. Consistent findings across nearly all variables tested suggest that no-smoking policies reduce resident exposure to secondhand smoke, lower the incidence of secondhand smoke-associated breathing problems, decrease daily smoking and cigarette consumption, encourage smoking cessation, and increase quit attempts. If implemented in all multiunit housing, these policies could reduce exposure to secondhand smoke and health problems associated with secondhand smoke, promote smoking cessation, and reduce cigarette consumption.

Linking Housing and School Integration Policy: What Federal, State and Local Governments Can Do. Issue Brief No. 5

Science.gov (United States)

Tegeler, Philip

2015-01-01

This Issue Brief states that, in spite of the obvious "reciprocal relationship" between housing and school policy, government housing and education agencies have rarely collaborated to promote the common goals of racial and economic integration. Recent efforts to promote collaboration among housing and school agencies have focused on…

7 CFR 1944.425 - Handling and accounting for borrower loan funds.

Science.gov (United States)

2010-01-01

... 7 Agriculture 13 2010-01-01 2009-01-01 true Handling and accounting for borrower loan funds. 1944... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to...HA or its successor agency under Public Law 103-354's non-discrimination policies in receiving...

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...

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...

7 CFR 1944.502 - Policy.

Science.gov (United States)

2010-01-01

... Regulations of the Department of Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE... reduce both the potential for delinquency by loan applicants and the level of payment delinquency by... housing plans and strategies except as necessary to accomplish the specific objectives of the TSA project. ...

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?...

Housing Systems and Ethnic Spatial Segregation

DEFF Research Database (Denmark)

Andersen, Hans Skifter; Andersson, Roger; Wessel, Terje

Residential spatial segregation is related to housing markets and housing policies. In this paper, ethnic segregation is compared across four Nordic capitals and explanations for the differences are examined by comparing the housing markets and housing policies of the countries. The housing markets...

13 CFR 120.923 - Policies on subordination.

Science.gov (United States)

2010-01-01

... Section 120.923 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Development Company Loan Program (504) Third Party Loans § 120.923 Policies on subordination. (a) Financing provided by the seller of Project Property must be subordinate to the 504 loan. SBA may waive the...

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 CFR 621.5 - Accounting for the allowance for loan losses and chargeoffs.

Science.gov (United States)

2010-01-01

... according to generally accepted accounting principles. (b) Develop, adopt, and consistently apply policies... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Accounting for the allowance for loan losses... ACCOUNTING AND REPORTING REQUIREMENTS General Rules § 621.5 Accounting for the allowance for loan losses and...

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...

Basel accord and financial intermediation: The impact of policy

OpenAIRE

Berka, Martin; Zimmermann, Christian

2012-01-01

This paper studies loan activity in a context where banks must follow Basel Accord-type rules and acquire financing from households. Loan activity typically decreases when entrepreneurs' investment returns decline, and we study which type of policy could reinvigorate an economy in a trough. We find that active monetary policy increases loan volume even when the economy is in good shape; introducing active capital requirement policy can be effective as well if it implies tightening of regulati...

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...

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

Directory of Open Access Journals (Sweden)

ADETILOYE Kehinde Adekunle

2013-07-01

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

The Impact of Monetary Policy on Bank Credit During Economic Crisis: Indonesia's Experience

OpenAIRE

Mongid, Abdul

2008-01-01

The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was ...

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...

12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

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…

Analysis of Post Loan Disbursement Allocation and Performance of Non-Prime Household Loan in Microfinance Banks in Kenya

Directory of Open Access Journals (Sweden)

Bernard Ndirangu Wachira

2017-08-01

Full Text Available The part played by non-prime household loans in improving the lives of many people who cannot afford collateral globally cannot be ignored. Many Microfinance Banks in many economies worldwide have tried to maintain the Grameen Bank Model of granting microloans, mainly non-prime household loans. However, the credit risks associated with this initiative hamper the pace at which the granting of this credit facility is expected to grow. This study intends to explore the relationship between the post loan disbursement allocation and the performance of non-prime household loans in the Microfinance Banks in Kenya. The theory associated to this study is the Credit Risk Theory. This theory, which is regarded as credit structural theory, was developed by Merton in 1972. The descriptive survey research design method was applied, and the sample size was 150 respondents. The data-collection tool used was a questionnaire. A logistic regression analysis was conducted for the purpose of predicting non-prime household performance in the Microfinance Banks using training budget, recoveries budget, percentage of training budget, and percentage of recoveries budget as predictors. The Wald test shows that training budget, recoveries budget, and percentage of training budget were good predictors, making a significant contribution to prediction. The percentage of budget on recoveries was not a significant predictor. The Microfinance Banks should enhance the performance of non-prime household loans through capacity building to the borrowers and educate the borrowers on dangers of enforced loan recoveries. The government, through the Central Bank of Kenya, should have a training policy for the Microfinance Banks so that they can enlighten the borrowers on proper financial management to avoid conflicts with borrowers during loan recoveries.

Determinants of Non Performing Loans in Commercial Banks: A Study of NBC Bank Dodoma Tanzania

Directory of Open Access Journals (Sweden)

N. Viswa Nadham

2015-03-01

Full Text Available The study attempts to ascertain the determinants of nonperforming loans in National Bank of Commerce. Data was collected from 152 respondents. Tables, percentages, mean and standard deviation were used to analyze data. Data collection methods adopted for the study were interview, questionnaire and documentary evidence. Interest rate, GDP, concentration of lending activities, bank’s loan supervision capacity and economic condition were investigated, and the results suggest that interest rate, GDP, bank’s loan supervision capacity and economic condition influence the level of NPLs. However, the results did not suggest that concentration of lending activities increase the level of NPLs.   The study suggests that banks should put in place a vibrant credit process that ensures proper customer selection and risk identification, robust credit analysis, proactive monitoring and clear recovery strategies for bad loans, formulate clear policy framework that addresses issues of ethical standards and check and balance credit process, organizational capacity enhancement of banks, deliberate effort to develop credit culture for managing loans ,and ensure prudent policies that govern bank loans. Since the results for this study were encouraging, the researcher encourages replicating the study for other lending institutions. In order to extend the literature on non-performing loans, the researcher suggested incorporating models of Golem effect, Social loafing, Inverted pyramid effect, Pollyanna effect and High default culture effect.  Also, basing on the merits of the study, the researcher suggests determining relationship between non-performing loans and loan size, collateral, credit culture, and credit management information system.

Municipal strategies for introducing housing on industrial estates as part of compact-city policies in the Netherlands

NARCIS (Netherlands)

Korthals Altes, W.K.; Tambach, M.

2009-01-01

Promoting mixed-use development is part of policies aimed at enhancing urban quality. Until recently, however, industry and housing have rarely been found together in the same development as there is a long tradition of keeping these functions separate. As part of a compact-city policy, Dutch local

Effective Counseling, Empowered Borrowers: An Evidence-Based Policy Agenda for Informed Student Loan Borrowing and Repayment. Research Report

Science.gov (United States)

Fernandez, Chris

2016-01-01

To manage their loans effectively, U.S. postsecondary student loan borrowers must make a variety of important decisions that require significant knowledge and financial skills and entail considerable risk. Federal law requires colleges to provide student loan counseling to their federal student loan borrowers, but there is significant room for…

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...

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...

13 CFR 120.345 - Policy.

Science.gov (United States)

2010-01-01

... International Trade Loans § 120.345 Policy. Section 7(a)(16) of the Act authorizes SBA to guarantee loans to small businesses that are: (a) Engaged or preparing to engage in international trade; or (b) Adversely...

Diez mitos que debilitan la política de vivienda en Latinoamerica/Ten Myths Undermining Latin American Housing Policy

Directory of Open Access Journals (Sweden)

Alan Gilbert

2011-12-01

Full Text Available La política de vivienda de Latinoamérica no puede considerarse como un gran éxito. Las cifras oficiales muestran que el déficit de vivienda está incrementando en la mayoría de países. Por su puesto, resolver el problema de la vivienda es un asunto difícil, y el rápido crecimiento urbano junto con los altos niveles de pobreza hacen que sea aún más complicado. Sin embargo, hay muchas fallas en la política de vivienda actual, y este artículo identifica diez mitos que han infiltrado el léxico de la política de vivienda. Este artículo es una invitación a los gobiernos de la región para que consideren si alguno de los mitos identificados, o todos, aún persisten dentro de sus propias políticas, y si estos mitos son tan nocivos como se sugiere en este artículo. Housing policy in Latin America cannot be regarded as having been a huge success. Official figures show that the housing deficit is rising in most countries. Of course, solving the housing problem is difficult and complicated further by rapid urban growth and too much poverty. Nonetheless, there are many failings in current housing policy and the current paper identifies ten myths that have infiltrated the housing policy lexicon. This paper is an invitation to the region's governments to consider whether any or all of the identified myths persist within their own policies and whether those myths are as damaging as will be suggested here.

Housing and the Monetary Transmission Mechanism

OpenAIRE

Frederic S. Mishkin

2007-01-01

The housing market is of central concern to monetary policy makers. To achieve the dual goals of price stability and maximum sustainable employment, monetary policy makers must understand the role that housing plays in the monetary transmission mechanism if they are to set policy instruments appropriately. In this paper, I examine what we know about the role of housing in the monetary transmission mechanism and then explore the implications of this knowledge for the conduct of monetary policy...

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...

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...

In Sickness and in Debt: Do Mounting Medical Bills Predict Payday Loan Debt?

Science.gov (United States)

Bickham, Trey; Lim, Younghee

2015-01-01

Cash-strapped families sometimes turn to small, short-term loans with exorbitant fees—payday loans—to cope with mounting medical bills. Given that about three-fourths of payday loan customers are repeat borrowers, consumer advocates and policymakers have increasingly raised voices of concern about the use of payday loans to finance various household expenses, including, among other things, medical bills. The present study hypothesized that increases in medical debt are associated with increases in payday loan debt among a sample of Chapter 7 bankruptcy filers. The results of a multivariate tobit regression analysis showed that medical debt was associated with increased payday loan debt, controlling for various types of debt and other socioeconomic variables. This article concludes with implications of the results for social work policy- and direct-practice.

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...

Housing demand or money supply? A new Keynesian dynamic stochastic general equilibrium model on China's housing market fluctuations

Science.gov (United States)

Wen, Xing-Chun; He, Ling-Yun

2015-08-01

There is a bitter controversy over what drives the housing price in China in the existing literature. In this paper, we investigate the underlying driving force behind housing price fluctuations in China, especially focusing on the role of housing demand shock with that of money supply shock in explaining housing price movements, by a new Keynesian dynamic stochastic general equilibrium model. Empirical results suggest that it is housing demand, instead of money supply, that mainly drives China's housing price movements. Relevant policy implication is further discussed, namely, whether to consider the housing price fluctuations in the conduct of monetary policy. By means of the policy simulations, we find that a real house price-augmented money supply rule is a better monetary policy for China's economy stabilization. 1. Investment refers to fixed capital investment. 2. Housing price refers to national average housing price. Quarterly data on housing price during the period of our work are not directly available. However, monthly data of the value of sales on housing and sale volume on housing can be directly obtained from National Bureau of Statistics of China. We add up the monthly data and calculate one quarter's housing price by dividing the value of housing sales by its sale volume in one quarter. 3. M2 means the broad money supply in China.

The credit crunch : Impacts on the housing market and policy responses in the Netherlands

NARCIS (Netherlands)

Priemus, H.

2009-01-01

This contribution deals with the impact of the credit crunch on the Dutch housing market and the policy responses of the Dutch government so far. Reinhart and Rogoff have presented an overview of credit crises after WW II: what are the general characteristics and impacts? Also in the Netherlands,

Policy making opportunities in the United States Senate and House of Representatives: an examination of seniority and gridlock

Science.gov (United States)

McCurdy, K. M.

2017-12-01

A policy arc is traced by a series of election outcomes, and it is the remaining representatives from past elections with their ideological stances and their parliamentary experiences that is predictive of whether public policy positions are sustained, modulated, or abandoned by the legislature. Two unusual legislative elections, the 1974 and 1994 races for the United States House of Representatives, can provide additional understanding and evidence for the necessary and sufficient conditions for policy innovation. Contrasting the magnitude of the House and Senate majorities along with their respective seniority patterns in the subsequent twenty years from these transformative elections shows the differing conditions that produces policy innovation or gridlock. Legislative actions clearly operate on two temporal planes, with consequences for the election that is coming months hence as well as for governance that occurs over years or multiple decades. Elections have policy consequences that are moderated by formal institutional rules and informal norms of behavior. Members of a class of legislators plus their nearest election class neighbors can influence the shape and content of legislation for twenty years. These effects can be reinforced or mitigated by the results from several election outcomes. But the effects of the initial election, Et0 remain noticeable decades later. This pattern is particularly persistent when freshmen in the House of Representatives hold more than 20 percent of seats in the chamber. These traces of seniority are easily disrupted so their persistence is a signal that should not be ignored for policy entrepreneurs and those wishing to influence public policy. Gridlock should thus be seen as indicative of a facies change in public policy that reflects the changes in society being represented in the legislature, not as an end game in the shorter run election cycle. Legislative gridlock is a state in the public policy process that is ridiculed

Attitudes and experiences with secondhand smoke and smoke-free policies among subsidised and market-rate multiunit housing residents living in six diverse communities in the USA.

Science.gov (United States)

Gentzke, Andrea S; Hyland, Andrew; Kiviniemi, Marc; Travers, Mark J

2018-03-01

Given that higher smoking rates persist among lower socioeconomic populations, multiunit housing (MUH) environments may result in higher secondhand smoke (SHS) exposures among subsidised MUH residents. This cross-sectional assessment compares experiences with SHS and smoke-free policies among subsidised and market-rate MUH residents living in six US communities. MUH residents (n=1565) were surveyed regarding their smoke-free rules (home and building), SHS exposures and preferences towards smoke-free policies. Binary logistic regression identified predictors of each outcome, focusing on differences by subsidised housing status (subsidised vs market rate). Among residents enforcing smoke-free home rules (76%, overall), 50% reported SHS incursions into their unit. Only 23% reported living in a smoke-free building; 56% of those living in smoking-allowable buildings reported preferences towards smoke-free building policies. Among market-rate housing residents, smoke-free home (OR=4.18) and building (OR=2.26) rules were significantly higher when children were present. Smoke-free building rules reduced the odds of SHS incursions among market-rate housing residents (OR=0.50), but no association was observed among subsidised housing residents. Non-smoking subsidised housing residents exhibited stronger preferences for smoke-free policies compared with those in market-rate housing. Smoke-free home rules may not protect MUH residents from SHS exposures, particularly in subsidised MUH. Although strong preferences towards smoke-free policies were present overall, subsidised MUH residents may have fewer alternative smoke-free housing options available. Therefore, all publicly funded housing should be smoke free to protect these vulnerable populations. However, continued efforts to encourage privately owned MUH operators to adopt smoke-free policies are also necessary. © Article author(s) (or their employer(s) unless otherwise stated in the text of the article) 2018. All rights

Immigration, borrowing constraints and housing market volatility in general equilibrium

OpenAIRE

Onshuus, Helene

2016-01-01

A loan-to-value borrowing constraint is a significant restriction on household behavior. All policy intervention seeks to steer agents' behavior away from what individual agents would consider optimal in the absence of restrictions. In the wake of the financial crisis in 2007-09 many regulators have turned to macroprudential tools to manage excessive risk-taking on an economy-wide level. In Norway a strict loan-to-value policy was imposed in June 2015, restricting the amount a household can b...

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...

26 CFR 1.7872-15 - Split-dollar loans.

Science.gov (United States)

2010-04-01

...'s death benefit proceeds, the policy's cash surrender value, or both. (ii) Payments that are only... regarding certain split-dollar term loans payable on the death of an individual, certain split-dollar term... insurance arrangement make a representation—(i) Requirement. An otherwise noncontingent payment on a split...

Dynamic analysis of the urban-based low-carbon policy using system dynamics: Focused on housing and green space

Energy Technology Data Exchange (ETDEWEB)

Hong, Taehoon, E-mail: hong7@yonsei.ac.kr [Associate Professor, Department of Architectural Engineering, Yonsei University, Seoul, 120-749 (Korea, Republic of); Kim, Jimin, E-mail: cookie6249@yonsei.ac.kr; Jeong, Kwangbok, E-mail: kbjeong7@yonsei.ac.kr [Research Assistant and Ph.D. Student, Department of Architectural Engineering, Yonsei University, Seoul, 120-749 (Korea, Republic of); Koo, Choongwan, E-mail: cwkoo@yonsei.ac.kr [Postdoctoral Fellow, Department of Architectural Engineering, Yonsei University, Seoul, 120-749 (Korea, Republic of)

2015-02-09

To systematically manage the energy consumption of existing buildings, the government has to enforce greenhouse gas reduction policies. However, most of the policies are not properly executed because they do not consider various factors from the urban level perspective. Therefore, this study aimed to conduct a dynamic analysis of an urban-based low-carbon policy using system dynamics, with a specific focus on housing and green space. This study was conducted in the following steps: (i) establishing the variables of urban-based greenhouse gases (GHGs) emissions; (ii) creating a stock/flow diagram of urban-based GHGs emissions; (iii) conducting an information analysis using the system dynamics; and (iv) proposing the urban-based low-carbon policy. If a combined energy policy that uses the housing sector (30%) and the green space sector (30%) at the same time is implemented, 2020 CO{sub 2} emissions will be 7.23 million tons (i.e., 30.48% below 2020 business-as-usual), achieving the national carbon emissions reduction target (26.9%). The results of this study could contribute to managing and improving the fundamentals of the urban-based low-carbon policies to reduce greenhouse gas emissions.

Dynamic analysis of the urban-based low-carbon policy using system dynamics: Focused on housing and green space

International Nuclear Information System (INIS)

Hong, Taehoon; Kim, Jimin; Jeong, Kwangbok; Koo, Choongwan

2015-01-01

To systematically manage the energy consumption of existing buildings, the government has to enforce greenhouse gas reduction policies. However, most of the policies are not properly executed because they do not consider various factors from the urban level perspective. Therefore, this study aimed to conduct a dynamic analysis of an urban-based low-carbon policy using system dynamics, with a specific focus on housing and green space. This study was conducted in the following steps: (i) establishing the variables of urban-based greenhouse gases (GHGs) emissions; (ii) creating a stock/flow diagram of urban-based GHGs emissions; (iii) conducting an information analysis using the system dynamics; and (iv) proposing the urban-based low-carbon policy. If a combined energy policy that uses the housing sector (30%) and the green space sector (30%) at the same time is implemented, 2020 CO 2 emissions will be 7.23 million tons (i.e., 30.48% below 2020 business-as-usual), achieving the national carbon emissions reduction target (26.9%). The results of this study could contribute to managing and improving the fundamentals of the urban-based low-carbon policies to reduce greenhouse gas emissions

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...

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...

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...

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 ...

13 CFR 307.9 - Revolving Loan Fund Plan.

Science.gov (United States)

2010-01-01

... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving Loan Fund Plan. 307.9... economic development plan, if applicable, and business development objectives, and shall describe the RLF's financing strategy, policy and portfolio standards. (2) Part II of the Plan titled “Operational Procedures...

12 CFR 347.304 - Accounting for fees on international loans.

Science.gov (United States)

2010-01-01

... accepted accounting principles. ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Accounting for fees on international loans. 347... OF GENERAL POLICY INTERNATIONAL BANKING International Lending § 347.304 Accounting for fees on...

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.

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...

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

Challenges for Large Housing Estates

DEFF Research Database (Denmark)

Vestergaard, Hedvig

This paper examines policies and improvement programmes implemented to improve troubled housing estates during three decades. It is based on evaluations of implemented programmes conducted for the Danish ministry of housing and the National Building Fund as well as similar studies from other...... European countries. Case studies illustrate local developments and outcomes and are the base for questioning the original identification of problems and thus the chosen solutions. Perspectives for current policy initiatives in the field of troubled housing estates are discussed in a general housing market...

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…

THEORETICAL ASPECTS OF BASIC PROVISIONS OF THE ENERGY SAVING MANAGEMENT SYSTEM IN THE FIELD OF HOUSING AND PUBLIC UTILITIES THROUGH INTRODUCTION OF SMALL INNOVATIVE ENTERPRISES

Directory of Open Access Journals (Sweden)

Kiseleva Ekaterina Alexandrovna

2012-10-01

Full Text Available The author addresses solutions to problems of the housing and utilities sector (including a substantial depreciation of fixed assets of the municipal infrastructure, a gap between domestic utilities management technologies and those employed worldwide, and the fund raising problem through power saving actions to be facilitated by small innovative enterprises. The proposed solutions contribute to formation of new jobs in the regions, reduction of power consumption and higher efficiency of regional economies due to reduced costs and rates (prices set for utilities-related services, and improvement of the standard and quality of living. The principal objective is to develop a set of procedures and criteria to serve as the basis for the selection of tools of power saving innovations in the housing and utilities sector of regions and municipalities. The above actions are to be implemented through the involvement of small innovative enterprises. The basic tools (instruments of the state social and economic (including innovation-related policy, that are to stimulate subjects of innovative activities to implement innovative projects in this sector stimulate energy efficiency innovations in the housing and utilities sector. The proposed set of tools includes tax holidays, subsidies, grants, soft loans, concessional loans, state and municipal orders, etc. The procedure of selection of instruments of state-initiated innovations designated for the improvement of the power efficiency of the housing and public utilities sector to be implemented by regional and municipal authorities is proposed by the author. The author identifies several types of energy saving innovations in the housing and utilities sector, based on their systemic effects. Upon identification of the top-priority recipients of state support, financial resources are to be distributed. Advantages of innovative energy saving projects in the housing and utilities sector, developed and implemented

THE ANALYSIS OF THE CURRENT STATE OF HOUSING AND COMMUNAL SERVICES AND TARIFF POLICY IN THE REPUBLIC OF DAGHESTAN

Directory of Open Access Journals (Sweden)

M. M. Shabanova

2014-01-01

Full Text Available In article the condition of housing and communal services in the Republic of Daghestan is considered, the main problems, characteristic for the present stage of development of this sphere are revealed, the priority directions of improvement of tariff policy and management of development of housing and communal services are defined. 

Housing and  Social Cohesion in Densely Settled Denmark

DEFF Research Database (Denmark)

Vestergaard, Hedvig

2009-01-01

The chapter focuses on the economic, political and social issues facing housing in Denmark in a Nordic and Baltic context. After a brief historical introduction of the tenure structure and settlement pattern the chapter describe and analyses the changing policy and practice of housing in Denmark....... Until 2001 housing and housing policy questions were rather neglected subjects in the Danish policy debate. For a number of years the focus had mainly been on urban and urban policy questions. But increasing difficulties for households gaining access to affordable housing in economic pressure areas like...... Copenhagen spurred a heated debate. The non-availability of private rented housing, long waiting lists for non-profit housing, the increasing house prices in the owner occupied sector and the concentration of socially deprived and ethnic minorities on an increasing number of non-profit housing estates all...

Household energy and climate mitigation policies: Investigating energy practices in the housing sector

International Nuclear Information System (INIS)

Schaffrin, André; Reibling, Nadine

2015-01-01

One central aim of climate change mitigation in the European Union is to reduce energy consumption in the housing sector. In order to ensure effectiveness of policies targeting household energy conservation, it is important to investigate existing energy practices of different social groups. This article describes and explains energy practices in three leading states in environmental politics, technological innovation, and support for renewable energy production: Denmark, Austria, and the United Kingdom. Based on a longitudinal analysis of housing utility costs from the European Community Statistics on Income and Living Conditions we show that income plays a central role in households' energy practices. While high-income households have higher overall energy consumption, low-income groups spend a larger share of their income on utility costs. The variation of energy consumption across income groups is related to household characteristics, characteristics of the dwellings, and cross-national differences in the housing sector. - Highlights: • We explain energy practices in Denmark, Austria, and the United Kingdom. • We show that income plays a central role in households’ energy practices. • High-income households have higher overall energy consumption. • Low-income groups spend a larger share of their income on utility costs. • Consumption depends on the household, dwelling and the housing sector

Monetary policy, bank size and bank lending: Evidence from Australia

OpenAIRE

Liu, Luke

2011-01-01

The transmission of monetary policy may hold the key to explaining the effects of policy on the economy. The objective of the study is to assess the importance of the bank lending channel in the transmission of monetary policy in Australia. In this paper, we found that the effectiveness of monetary policy varies with the size of the bank as well as the type of the loan. For different asset size and different kinds of loans, the effect of monetary policy is different. Thus, policy has distribu...

13 CFR 120.350 - Policy.

Science.gov (United States)

2010-01-01

... a qualified employee trust (“ESOP”) to: (a) Help finance the growth of its employer's small business... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Policy. 120.350 Section 120.350 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Qualified...

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...

Strategies to Test for Private Student Loan Discrimination

Science.gov (United States)

Darolia, Rajeev

2014-01-01

Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

City of Ljubljana: Its housing, population and housing conditions

Directory of Open Access Journals (Sweden)

Maša Filipovič

2007-01-01

Full Text Available The article gives an overview of key aspect of housing in Municipality of Ljubljana. The characteristics of households, of housing and their relation influence the housing situation in the city. Characteristic of housing refer mainly to quality of the dwellings, affordability and correspondence to the wishes of the inhabitants. The second important dimensions are households and their characteristics. In Europe and Slovenia increase in number of household can be observed, which in turn are becoming smaller. The housing policy has a role in establishing a balance between households and housing, i.e. ensuring that housing corresponds to the needs of individual households and to their number. For achieving this, knowledge and appropriate data are of vital importance. In the article we present the results of the Housing survey 2005. We observe housing conditions in a comparative perspective (Ljubljana in comparison to Maribor, Slovenia and selected European cities and according to three dimensions: housing fund, households and housing conditions.

Labour Mobility and Housing: The Impact of Housing Tenure and Housing Affordability on Labour Migration in the Czech Republic

Czech Academy of Sciences Publication Activity Database

Lux, Martin; Sunega, Petr

2012-01-01

Roč. 49, č. 3 (2012), s. 489-504 ISSN 0042-0980 R&D Projects: GA ČR GA403/09/1915 Institutional research plan: CEZ:AV0Z70280505 Keywords : housing * housing policy * housing tenure Subject RIV: AO - Sociology, Demography Impact factor: 1.493, year: 2012 http://usj.sagepub.com/content/early/2011/05/20/0042098011405693

75 FR 81145 - Members of Federal Home Loan Banks

Science.gov (United States)

2010-12-27

... financial reports must show that it originates or purchases such loans. In theory, an applicant could... context of the home financing policy requirement, the absence of any qualitative standards as to the form... members. With respect to the 10 percent requirement, initial research indicates that, of the approximately...

Housing, income support and mental health: Points of disconnection

Directory of Open Access Journals (Sweden)

Csiernik Rick

2007-12-01

Full Text Available Abstract There exists a disconnection between evolving policies in the policy arenas of mental health, housing, and income support in Canada. One of the complexities associated with analysing the intersection of these policies is that federal, provincial, and municipal level policies are involved. Canada is one of the few developed countries without a national mental health policy and because of the federal policy reforms of the 1970s, the provincial governments now oversee the process of deinstitutionalization from the hospital to the community level. During this same period the availability of affordable housing has decreased as responsibility for social housing has been transfered from the federal government to the provincial and/or municipal levels of government. Canada also stands alone in terms of being a developed nation without national housing policy instead what is considered "affordable" housing is partially dependant upon individuals' personal economic resources. As well, over the past decade rates of income supports have also been reduced. Psychiatric survivors have long been identified as being at risk for homelessness, with the disconnection existing between housing, income and mental health policies and the lack of a national policy in any of these policies areas further contributing to this risk.

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.

7 CFR 1710.151 - Required findings for all loans.

Science.gov (United States)

2010-01-01

.... Adequate electric service will be made available to the widest practical number of rural users in the... financial and managerial controls will be included in loan documents. See § 1710.113. (d) Interim financing... laws; the rules and policies of the state authority; precedents in other similar cases; statements made...

25 CFR 170.128 - Are housing access roads and housing streets eligible for IRR Program funding?

Science.gov (United States)

2010-04-01

... 25 Indians 1 2010-04-01 2010-04-01 false Are housing access roads and housing streets eligible for... INTERIOR LAND AND WATER INDIAN RESERVATION ROADS PROGRAM Indian Reservation Roads Program Policy and Eligibility Irr Housing Access Roads § 170.128 Are housing access roads and housing streets eligible for IRR...

THE IMPACT OF MONETARY POLICY ON BANK CREDIT DURING ECONOMIC CRISIS: INDONESIA’S EXPERIENCE

Directory of Open Access Journals (Sweden)

Abdul Mongid

2017-03-01

Full Text Available The monetary policy mechanism by which monetary policy was transmitted to thereal economy had emerged as the pivotal discussion topic recently. This paper tried to discussthe impact of Bank Indonesia’s monetary policy on loan bank. By using simple loan bankframework we concluded that monetary policies were able to influence loan bank. Themonetary variables such as discount rate policy, base money and exchange rate policy werevery important in determining the banking credit. As the credit was very important to influencesthe economic activitiy, the result provided evidence that monetary policy was important as atool to control economic activity via credit channel. The validity of this study challenged thehypotheses that monetary policy was death. However, monetary policy maker should carefullyconsider the soundness of the banking industry because it was a strategic partner for monetaryauthority to control the economic activities.

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.

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…

The Role Played by Agricultural Policy-based Finance in New Village Construction

Institute of Scientific and Technical Information of China (English)

2011-01-01

The necessity of the agricultural policy-based finance in terms of supporting the new village construction is analyzed: in the first place, the theoretical roots of agricultural policy-based finance supporting new village construction are "market failure" and "government intervention"; in the second place, the continual decline of agriculture and the "rural financial market failure" in recent years have become the objective evidence and historical mission for agricultural policy-based finance to support new village construction; in the third place, the combination of agricultural policy-based finance and new village construction is conducive to solving the "three agriculture" problems and facilitating the reform of new village construction. The feasibility of the support is analyzed: firstly, agricultural policy-based finance boasts the status and position of the "primary drive" in new village construction; secondly, the nation continuously deepens the reform of rural financial system and policy-based banks and strengthens the functions of Agricultural Development Bank, which provides policies for agricultural policy-based finance to support new village construction; thirdly, the 14 years’ reform and development of Agricultural Development Bank and the eleventh five year plan lay sound practical basis for the support of agricultural policy-based finance to new village construction. Based on the necessity and feasibility, the following six aspects are analyzed to fully display the function of the "first engine" of agricultural policy-related finance to new village construction. Firstly, strengthening the credit and loan aid to grain and cotton and some other agricultural products in the circulation domain; secondly, strengthening the credit and loan aid to agricultural industrialization in processing field; thirdly, intensifying the credit and loan aid to agricultural comprehensive development, rural infrastructure construction, application and promotion of

Between marketing and financial support : Dutch municipal policy instruments to improve the quality of private housing stock

NARCIS (Netherlands)

Tambach, M.; Meijer, F.; Visscher, H.

2011-01-01

Dutch municipalities are faced with an ageing private housing stock, of which parts show a diversity of quality backlogs, including their energy quality. Dutch municipalities are in the process of developing a combination of communicative and economic policy instruments to seduce private homeowners

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…

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...

Housing policy socialization and de-commodification in South Korea

NARCIS (Netherlands)

Ronald, R.; Lee, H.

2012-01-01

South Korea has undergone significant housing system transformations in recent decades involving radical expansions in state housing provision. Growth in social forms of public housing ostensibly contradicts the neoliberal trend toward the privatization of social housing sectors elsewhere in the

12 CFR 723.6 - What must your member business loan policy address?

Science.gov (United States)

2010-01-01

... diligence standards, which also addresses the need for periodic financial statements, credit reports, and... experience, balance sheet, cash flow analysis, income statements, tax data, environmental impact assessment... requirements must include: (1) Loan-to-value ratios; (2) Determination of value; (3) Determination of ownership...

Perceptions of housing conditions among migrant farmworkers and their families: implications for health, safety and social policy.

Science.gov (United States)

Keim-Malpass, Jessica; Spears Johnson, Chaya R; Quandt, Sara A; Arcury, Thomas A

2015-01-01

In the USA, migrant farmworkers are a vulnerable group due to their low socioeconomic status, risk of occupational exposures and injury, lack of social mobility, lack of adequate access to health services and dependency on employer for provided housing. Previous reports have documented migrant farmworker housing conditions to be variable, but poor overall. This paper explores the perceptions of housing conditions among migrant farmworkers in rural North Carolina, and develops an understanding of potential impacts of their housing on health and safety. This study used qualitative descriptive data and directed content analysis to analyse semi-structured interviews and photographs that were data elements of a larger community-based participatory research study designed to document housing quality and health among North Carolina farmworkers. Many of the study participants described poor housing conditions that were reflected in the photographic analysis of the houses and camps. Specific problems described by the participants include exposure to pesticides, safety issues, pests, water supply and air quality, temperature and moisture. This study describes migrant farmworkers' perceptions of housing quality and numerous potential impacts on health and safety. Research, social policy and practice-based implications derived from this research could serve to improve the health status of these individuals and their families. This study suggests there is much room for sustained advocacy and action, given that many of the farmworkers' descriptions and photographs depicted housing conditions below accepted standards of living. Access to adequate and safe employer-provided housing for migrant farmworkers should be considered a basic human right.

Indigenous housing and health in the Canadian North

DEFF Research Database (Denmark)

Christensen, Julia

2016-01-01

In this article, I explore the relationship between housing, home and health amongst Indigenous homeless people living in the Canadian North. In particular, I examine the ways in which Indigenous homemaking practices conflict with housing policy, and exacerbate individual pathways to homelessness....... I argue that integral components in northern Indigenous conceptualizations of home and, in turn, health are not only unrecognized in housing policy, but actively discouraged. The potential for homemaking to inform health and housing policy speaks to the relevance of cultural safety not only...... to Indigenous health services, but also to a comprehensive framing of Indigenous health....

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...

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...

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.

7 CFR 1717.655 - Exclusion of certain investments, loans, and guarantees.

Science.gov (United States)

2010-01-01

...) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO INSURED... which have been purchased as a condition of membership in the supplemental lender, or as a condition of... waste disposal systems; (C) Telecommunication and other electronic communication systems; and (D...

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...

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

Correlates of Success in World Bank Development Policy Lending

OpenAIRE

Moll, Peter; Geli, Patricia; Saavedra, Pablo

2015-01-01

This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

From Council Housing to Social Housing. The successes and misfortunes of Social Housing policies in Italy

Directory of Open Access Journals (Sweden)

Ferdinando Terranova

2011-04-01

Full Text Available The issues dealt with are three: the need for medium – and large – scale territorial planning; the quality of housing; the solutions to guarantee secure flows of financing to launch programmes of public residential housing (ERP. A premise of any ERP programme is the planning and construction of a fast rail network to guarantee mass mobility. Once this premise has been satisfied, it is possible to identify agricultural areas to be expropriated for ERP interventions. This programme is characterised by operating above the municipal level, and it requires a structure that has the administrative powers of an agency. As regards the quality of housing, the following equation has to be dispensed with: public residential housing = ugly building characterised by alienation and anomy. Planners from this century have been called on to rise the challenge. To be certain of obtaining finance for ERP programmes, the old road of contributions at source from workers should be pursued as well as the establishment of a single fund that gathers together all the financing foreseen by laws made over the years and not spent, set aside for ERP.

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...

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...

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...

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...

In-Migration and Housing Choice in Ho Chi Minh City: Toward Sustainable Housing Development in Vietnam

Directory of Open Access Journals (Sweden)

Ducksu Seo

2017-09-01

Full Text Available Since the initiation of Vietnam’s Doi Moi policy in 1986, the rate of urbanization has rapidly increased with a great influx of immigrants from rural areas. With such migration becoming a large acceleration factor for urban growth, the shortage of housing has become a critical problem in the cities. The Vietnamese government encouraged self-built housing and public–private partnerships to produce different types of housing stock. There are few available academic studies about housing choice in Vietnam to help understand movement dynamics and to foster sustainable housing development. The purpose of this study is to analyze housing choice and moving determinants in Ho Chi Minh City, and thereby establish recommendations for sustainable housing development in Vietnam. For an empirical study, a citizen questionnaire survey was conducted in HCMC and an in-depth analysis was carried out. The results indicate that the row house type for single-family housing is strongly preferred, but a preference for apartments is also observed for future planning. The factors influencing housing choice and movement are family income, housing ownership, housing typology, and commuting environment. These phenomena suggest that the government should prudently consider affordable housing development in many districts. The results of this study will help to establish policies for sustainable housing development in Ho Chi Minh City, Vietnam.

Financial stability and monetary policy -The case of Brazil

Directory of Open Access Journals (Sweden)

Benjamin M. Tabak

2013-12-01

Full Text Available This paper seeks to examine the effects of monetary policy over banks' loans growth and whether there is a bank lending channel operating in Brazil. Therefore, we employ a detailed high frequency panel data in which we include bank characteristics and ownership control. We contribute to the literature on bank lending channel by showing that during periods of loosening/tightening monetary policy, banks increase/decrease their loans. Additionally,our results illustrate that large, well-capitalized and liquid banks react differentially to the effects of monetary policy shocks. Finally, we show that the impact of monetary policy differs across state-owned, foreign and private domestic banks. These results are important for developing and conducting monetary policy.

78 FR 65107 - Loans in Areas Having Special Flood Hazards

Science.gov (United States)

2013-10-30

...) 898-3991, Division of Depositor and Consumer Protection. FCA: Paul K. Gibbs, Senior Accountant, Office..., 2012, was not required by Federal or State law to escrow taxes or insurance for the term of the loan and did not have a policy to require escrow of taxes and insurance. The Agencies are proposing to...

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...

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…

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 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...

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...

Secondhand Smoke Exposure and Smoke-Free Policy Support Among Public Housing Authority Residents in Rural and Tribal Settings.

Science.gov (United States)

Schmidt, Lisa M; Reidmohr, Alison A; Helgerson, Steven D; Harwell, Todd S

2016-12-01

Previous research has shown that multi-unit housing (MUH) residents are at risk of secondhand smoke (SHS) exposure, which can transfer between units. The purpose of this study was to determine SHS exposure and examine attitudes towards smoking policies among public housing authority (PHA) residents in rural and tribal settings. A self-administered questionnaire was completed by 895 adult tenants (41 % response rate) living in PHA multiunit buildings in Montana in 2013. Our primary outcome was tenant support of smoke-free policies; our secondary outcome was exacerbation of child asthma symptoms due to SHS exposure. In 2014, we used multiple logistic regression models to test associations between independent variables and outcomes of interest. The majority (80.6 %) of respondents supported having a smoke-free policy in their building, with support being significantly higher among nonsmokers [adjusted odds ratio (aOR) 4.2, 95 % confidence interval (CI) 1.5-11.6] and among residents living with children (aOR 2.9, 95 % CI 1.3-6.2). Tribal residents were as likely to support smoke-free policies as non-tribal residents (aOR 1.4; 95 % CI 0.5-4.0). Over half (56.5 %) of respondents reported SHS exposure in their home; residents in a building with no smoke-free policy in place were significantly more likely to report exposure (aOR 3.5, 95 % CI 2.2-5.5). SHS exposure was not significantly associated with asthma symptoms. There is a significant reduction in exposure to SHS in facilities with smoke-free policies and there is strong support for such policies by both tribal and non-tribal MUH residents. Opportunities exist for smoke-free policy initiatives in rural and tribal settings.

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...

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...

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

Bank loan components and the time-varying effects of monetary policy shocks

NARCIS (Netherlands)

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

2011-01-01

The impulse response function (IRF) of an aggregate variable is time-varying if the IRFs of its components are different from each other and the relative magnitudes of the components are not constant—two conditions likely to be true in practice. We model the behaviour of loan components and document

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.

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

7 CFR 1940.310 - Categorical exclusions from National Environmental Policy Act (NEPA) reviews.

Science.gov (United States)

2010-01-01

... Agriculture (Continued) RURAL HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE... prime forestlands or rangelands, (4) A listed species or critical habitat for an endangered species, (5....317(g) of this subpart; and (10) Appraisals of nonfarm tracts and small farms for rural housing loans...

Evidence, Policy and Guidance for Practice: A Critical Reflection on the Case of Social Housing Landlords and Antisocial Behaviour in Scotland

Science.gov (United States)

Anderson, Isobel

2011-01-01

This paper examines the role of guidance for practitioners in the evidence-policy-practice relationship through a critical reflection of the process of developing evidence-informed guidance for housing practitioners working in the area of antisocial behaviour in Scotland. The paper applies theoretical models for the use of evidence in policy and…

25 CFR 700.81 - Monthly housing cost.

Science.gov (United States)

2010-04-01

... 25 Indians 2 2010-04-01 2010-04-01 false Monthly housing cost. 700.81 Section 700.81 Indians THE... Policies and Instructions Definitions § 700.81 Monthly housing cost. (a) General. The term monthly housing...) Computation of monthly housing cost for replacement dwelling. A person's monthly housing cost for a...

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.

Housing in China: State Governance, Market and Public Perception

Directory of Open Access Journals (Sweden)

Emile Kok-Kheng Yeoh

2017-04-01

Full Text Available Chinese house prices have been receiving huge coverage in both the domestic and the international media. Although the Chinese government has implemented many policies to control house prices, especially in the big cities, it is obvious that there is disequilibrium between demand for and supply of houses. Even though numerous housing policies have been put in place to overcome that, house prices in China are still rising. Many Chinese citizens from the low- and middle-incomes group find it difficult to purchase a house in the cities due to high house prices. This paper covers the current situation of the house prices in China, introduces the existing state of affairs about the Chinese housing market, explores a series of important reasons for high house prices, examines various public policies the Chinese government is using to control real estate, as well as reveals the citizens’ perceptions related to rising house prices. To gauge citizens’ perception of the current state of affairs in this regard, a questionnaire survey was conducted to gather information with a final sample of 256 respondents from more than ten cities of different tiers in the different regions of China.

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),…

Better housing and living conditions for older people

DEFF Research Database (Denmark)

housing stock and local neighbourhood facilites be made more responsive to the demands of older people? How can housing and planning measures contribute to the integration of older people in local communities? How can urban renewal be implemented in elderly-friendly forms? What forms of coordination......There is an increasing emphasis on strategies designed to combat the exclusion of older people from society. The development of social policies oriented towards community care and community living has important consequences for housing policies and urban planning policies. How can the general...

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.

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...

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...

An Overview of Macroprudential Policy Tools

NARCIS (Netherlands)

Claessens, S.

2014-01-01

Macroprudential policies - caps on loan to value ratios, limits on credit growth and other balance sheets restrictions, (countercyclical) capital and reserve requirements and surcharges, and Pigouvian levies - have become part of the policy paradigm in emerging markets and advanced countries alike.

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...

A social philosophy of housing

OpenAIRE

King, Peter

2003-01-01

This book presents an original perspective by opening up housing to a philosophical approach. It fully integrates discussions on contemporary housing policy and social philosophy in a manner not previously attempted in the housing literature. Professor Jim Kemeny (Uppsala University) described it as ‘the first systematic application of social philosophy from an individual choice perspective’.

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...

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...

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...

Poor housing quality: Prevalence and health effects.

Science.gov (United States)

Baker, Emma; Lester, Laurence H; Bentley, Rebecca; Beer, Andrew

2016-01-01

Housing is a central component of productive, healthy, and meaningful lives, and a principle social determinant of health and well-being. Surprisingly, though, evidence on the ways that housing influences health in Australia is poorly developed. This stems largely from the fact that the majority of the population are accommodated in good quality housing. The dominance of a "good housing paradigm" means that households living in poor quality and unhealthy housing are doubly disadvantaged-by the quality of their housing and because policy makers in Australia do not acknowledge the health effects of housing. In this article, we examine the relationship between health outcomes and quality of housing. We base our analysis on data from the Household Income and Labour Dynamics in Australia (HILDA) survey, a panel dataset that is representative across Australia. We find a sizeable, policy-important, and to date under-acknowledged cohort of Australians whose health is influenced by poor-condition dwellings.

Effectiveness of monetary and macroprudential shocks on consumer credit growth and volatility in Turkey

Directory of Open Access Journals (Sweden)

Meltem Gulenay Chadwick

2018-06-01

Full Text Available This paper proposes a panel VAR model to uncover the effect of monetary policy and macroprudential tightening probability on general purpose loans, housing loans, vehicle loans, credit cards and their respective volatilities in Turkey. To conduct our analysis, first, we compare a number of stochastic volatility models using our loan and credit card series in a formal Bayesian model comparison exercise, in order to determine the best volatility model for our series. Second we disclose the latent probability of macroprudential tightening from the binary information of policy episodes, using an instrumental variable probit model estimated by conditional maximum likelihood with heteroscedasticity robust standard errors. Lastly we estimate the dynamic impact of monetary policy and macroprudential measures using a panel VAR, incorporating the latent probability of tightening episodes, credit growth, industrial production growth, loan rates, inflation and credit growth volatilities into the endogenous system of equations. We conclude that macroprudential tightening is effective in dampening credit growth, credit growth volatility and reducing consumer price inflation. Besides, this effect is more prominent when macroprudential tools are administered in coordination with monetary policy. Keywords: Consumer loans, Monetary policy, Macroprudential policy, Stochastic volatility models, Credit growth volatility, IV probit model, Panel VAR model, JEL classification: C54, E44, E52

Housing Programs for Homeless Individuals With Mental Illness: Effects on Housing and Mental Health Outcomes.

Science.gov (United States)

Benston, Elizabeth A

2015-08-01

This systematic review analyzed the best available research in the United States on permanent supportive housing programs for homeless individuals with mental illness and the effect of these programs on housing status and mental health. It updates older and broader reviews that included weaker studies or those that did not analyze permanent housing as an input and housing and mental health as primary outcomes. The literature search (1980-2013) yielded 14 studies (randomized controlled trials and quasi-experimental studies). The studies found that a majority of participants placed in experimental housing programs with case management support remained in housing for at least one year or experienced more days housed than homeless relative to a comparison group. Although this finding is in line with previous literature reviews on permanent supportive housing, this analysis found limitations in each of the 14 reviewed studies, such as attrition, selection and response bias, imprecise definitions and implementation of housing programs, and a lack of appropriate controls. Only three of the reviewed studies reported using a housing fidelity assessment tool to test whether the housing intervention was faithful to theoretical standards, and conceptions and implementation of housing varied widely across studies, threatening internal and external validity. Pitfalls in the best available studies on permanent supportive housing programs in the United States limit the ability of research to inform the policy goal of ending chronic homelessness and demonstrate a need for further experimental research upon which to make funding and policy decisions, especially in light of prioritized federal funds.

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...

Critical slowing down associated with regime shifts in the US housing market

Science.gov (United States)

Tan, James Peng Lung; Cheong, Siew Siew Ann

2014-02-01

Complex systems are described by a large number of variables with strong and nonlinear interactions. Such systems frequently undergo regime shifts. Combining insights from bifurcation theory in nonlinear dynamics and the theory of critical transitions in statistical physics, we know that critical slowing down and critical fluctuations occur close to such regime shifts. In this paper, we show how universal precursors expected from such critical transitions can be used to forecast regime shifts in the US housing market. In the housing permit, volume of homes sold and percentage of homes sold for gain data, we detected strong early warning signals associated with a sequence of coupled regime shifts, starting from a Subprime Mortgage Loans transition in 2003-2004 and ending with the Subprime Crisis in 2007-2008. Weaker signals of critical slowing down were also detected in the US housing market data during the 1997-1998 Asian Financial Crisis and the 2000-2001 Technology Bubble Crisis. Backed by various macroeconomic data, we propose a scenario whereby hot money flowing back into the US during the Asian Financial Crisis fueled the Technology Bubble. When the Technology Bubble collapsed in 2000-2001, the hot money then flowed into the US housing market, triggering the Subprime Mortgage Loans transition in 2003-2004 and an ensuing sequence of transitions. We showed how this sequence of couple transitions unfolded in space and in time over the whole of US.

Economists and White House Decisions

OpenAIRE

Stuart E. Eizenstat

1992-01-01

While I served in the White House, [as Assistant to the President for Domestic Affairs and Policy and Executive Director of the White House Domestic Policy Staff from 1977-81], Ph.D. economists occupied the positions of Secretary of Labor, Secretary of Commerce, Secretary of Treasury, Director of the Council on Wage and Price Stability, the President's anti-inflation adviser, Chairman and Council Members of the Council of Economic Advisers, and many other senior positions throughout the gover...

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...

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...

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...

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...

Housing, neighbourhoods and interventions

NARCIS (Netherlands)

Karin Wittebrood; Matthieu Permentier; with contributions from Fenne Pinkster

2011-01-01

Original title: Wonen, wijken en interventies Current Dutch neighbourhood policy is aimed at improving the position of 'priority neighbourhoods'. How successful is the policy proving? Does restructuring and the sale of social housing help? Does increasing the amount of green space and building

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. ...

The Danish Social Housing Sector

DEFF Research Database (Denmark)

Nielsen, Rikke Skovgaard; Haagerup, Christian Deichmann

2017-01-01

With Denmark faring reasonably well through the global financial crisis, the policy changes to the social housing sector caused by the crisis have been limited. Nevertheless, changes have taken place nonetheless both in terms of policy and in the residential composition of the sector which polici...

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,

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)

Construction of In-house Databases in a Corporation

Science.gov (United States)

Tamura, Haruki; Mezaki, Koji

This paper describes fundamental idea of technical information management in Mitsubishi Heavy Industries, Ltd., and present status of the activities. Then it introduces the background and history of the development, problems and countermeasures against them regarding Mitsubishi Heavy Industries Technical Information Retrieval System (called MARON) which started its service in May, 1985. The system deals with databases which cover information common to the whole company (in-house research and technical reports, holding information of books, journals and so on), and local information held in each business division or department. Anybody from any division can access to these databases through the company-wide network. The in-house interlibrary loan subsystem called Orderentry is available, which supports acquiring operation of original materials.

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...

75 FR 16821 - Housing Finance Agency Risk-Sharing Program

Science.gov (United States)

2010-04-02

...The proposed information collection requirement described below has been submitted to the Office of Management and Budget (OMB) for review, as required by the Paperwork Reduction Act. The Department is soliciting public comments on the subject proposal. Section 542(c) of the Risk Sharing Program authorizes qualified Housing Finance Agencies (HFAs) to underwrite and process loans. HUD provides full mortgage insurance on affordable multifamily housing project processed by HFAs under this program. Qualified HFAs are vested with the maximum amount of processing responsibilities. By entering into Risk-Sharing Agreement with HUD, HFAs contract to reimburse HUD for a portion of the loss from any defaults that occur while HUD insurance is in force.

Comparing social housing in the Netherlands and Denmark

DEFF Research Database (Denmark)

Engberg, Lars A.

The paper compares the Dutch and the Danish social housing systems, with a particular focus on recent reforms and on how social housing actors deliver in relation to the key housing policy objectives of anti-segregation measures, urban regeneration, comprehensive housing upkeep and green retrofit...

Bank Lending Policy, Credit Scoring and Value at Risk

OpenAIRE

Jacobson, Tor; Roszbach, Kasper

1998-01-01

In this paper we apply a bivariate probit model to investigate the implications of bank lending policy. In the first equation we model the bank´s decision to grant a loan, in the second the probability of default. We confirm that banks provide loans in a way that is not consistent with default risk minimization. The lending policy must thus either be inefficient or be the result of some other type of optimizing behavior than expected profit maximization. Value at Risk, being a value weighted ...

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...

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. ...

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...

Interfaces entre a política habitacional e o Plano Diretor Participativo na metrópole Fortaleza-CE / Relations between the housing policy and participatory master plan in metropolis Fortaleza, Ceará, Brazil

Directory of Open Access Journals (Sweden)

Elizete de Oliveira Santos

2013-12-01

Full Text Available The housing question appears as essential element to understanding the production, consumption and appropriation processes of urban space, illuminating the relationship between sociospatial segregation and real state speculation that govern the brazilians' cities structuring. This paper proposes to discuss the relations between the Participatory Master Plan of Fortaleza (PDPFor and the Municipal Housing Policy (PHIS, aiming to contribute to the reflection of the importance of the urban and housing policies integration. The text is divided into three parts: the first discusses the context of the emergence of the master plans "new generation" in Brazil; the second reconstructs the preparation process of the PDPFor and PHIS; and the third proposes a questioning about the dialogue between the urban and housing political, based on the analysis of the content of PHIS and housing policy chapter in PDPFor.

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. ...

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...

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...

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...

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...

Policy instruments to decrease the climate impact of housing, personal transport and food. Detailed instrument descriptions; Ohjauskeinoja asumisen, henkiloeliikenteen ja ruoan ilmastovaikutusten hillintaeaen. Yksityiskohtaiset ohjauskeinokuvaukset

Energy Technology Data Exchange (ETDEWEB)

Heiskanen, E.; Perrels, A.; Nissinen, A.; Berghaell, E.; Liesimaa, V.; Mattinen, M. (eds.)

2012-03-15

Reducing consumption volumes or introducing climate conscious consumption patterns can be efficient ways to mitigate climate change. Twenty existing policy instruments affecting the greenhouse gas emissions of housing, passenger traffic and food are described in this report of the KUILU-project. The policy instruments and the possibilities to develop effective instrument packages were discussed in two expert workshops, the results of which are presented in annexes of this report. There are already several policy instruments that target on housing and passenger traffic. Their differences in estimated emission reductions are large, which can ease the prioritization and selection of the instruments for further development. So far, only one policy instrument exists that aims to reduce the climate impacts of food choices, namely a Council of State Decision of Principle on Promoting Sustainability in Public Purchasing. However, it includes several measures that can be used to influence private companies and citizens, and thus it opens the field of policy instrument for mitigation of climate impacts of food. According to the expert survey, the most effective policy instrument involved in the analysis was building regulations, and the four most effective instruments after this were the following: gradated procurement tax of cars based on emissions, gradation of car tax, taxation of transport fuels, energy taxes of housing, and the effect of ecodesign directive on appliances. The effectiveness of policy instruments related to food was assessed to be on average level. The five least effective instruments were: EU energy label, voluntary energy experts, the tax of beverage packing, energy certificates, and subsidies for energy efficiency reparation in buildings. However, the expert opinions on the effectiveness of the policy instruments varied significantly. After this report, the KUILU project continued with an analysis of the policy instrument packages and with suggestions

Policy instruments to decrease the climate impact of housing, personal transport and food. Detailed instrument descriptions; Ohjauskeinoja asumisen, henkiloeliikenteen ja ruoan ilmastovaikutusten hillintaeaen. Yksityiskohtaiset ohjauskeinokuvaukset

Energy Technology Data Exchange (ETDEWEB)

Heiskanen, E.; Perrels, A.; Nissinen, A.; Berghaell, E.; Liesmaa, V.; Mattinen, M. (eds.)

2012-07-01

Reducing consumption volumes or introducing climate conscious consumption patterns can be efficient ways to mitigate climate change. Twenty existing policy instruments affecting the greenhouse gas emissions of housing, passenger traffic and food are described in this report of the KUILU-project. The policy instruments and the possibilities to develop effective instrument packages were discussed in two expert workshops, the results of which are presented in annexes of this report. There are already several policy instruments that target on housing and passenger traffic. Their differences in estimated emission reductions are large, which can ease the prioritization and selection of the instruments for further development. So far, only one policy instrument exists that aims to reduce the climate impacts of food choices, namely a Council of State Decision of Principle on Promoting Sustainability in Public Purchasing. However, it includes several measures that can be used to influence private companies and citizens, and thus it opens the field of policy instrument for mitigation of climate impacts of food. According to the expert survey, the most effective policy instrument involved in the analysis was building regulations, and the four most effective instruments after this were the following: gradated procurement tax of cars based on emissions, gradation of car tax, taxation of transport fuels, energy taxes of housing, and the effect of ecodesign directive on appliances. The effectiveness of policy instruments related to food was assessed to be on average level. The five least effective instruments were: EU energy label, voluntary energy experts, the tax of beverage packing, energy certificates, and subsidies for energy efficiency reparation in buildings. However, the expert opinions on the effectiveness of the policy instruments varied significantly. After this report, the KUILU project continued with an analysis of the policy instrument packages and with suggestions

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...

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...

Differential Health and Social Needs of Older Adults Waitlisted for Public Housing or Housing Choice Vouchers.

Science.gov (United States)

Carder, Paula; Luhr, Gretchen; Kohon, Jacklyn

2016-01-01

Affordable housing is an important form of income security for low-income older persons. This article describes characteristics of older persons waitlisted for either public housing or a housing choice voucher (HCV; previously Section 8) in Portland, Oregon. 358 persons (32% response rate) completed a mailed survey with questions about demographics, health and housing status, food insecurity, and preference for housing with services. Findings indicate that many waitlisted older persons experienced homelessness or housing instability, poor health, high hospital use, and food insecurity. Public housing applicants were significantly more likely to report lower incomes, homelessness, and food insecurity than HCV applicants. We conclude with policy implications for housing and health agencies that serve low-income older persons.

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...

Poverty, housing, and the rural slum: policies and the production of inequities, past and present.

Science.gov (United States)

Ramirez, Sarah M; Villarejo, Don

2012-09-01

We studied historical materials to examine the conditions that gave rise to California's rural slums, the consequences of their emergence, and how interpretations of housing, health, and welfare policies by government officials, and public health officials in particular, produced health inequities for residents of these communities. For more than a century, successive groups of immigrants and domestic migrant laborers have worked on California's farms and faced numerous challenges, among them a lack of safe and affordable housing, poor working conditions, and denial of public services. Although these experiences are not new, nor are they unique to agricultural workers, they illustrate a longer history in which inequities and injustices have been rooted in the exploitation and disposability of labor. Ameliorating or even redressing inequities will require understanding the social determinants of health through ecological approaches that can overcome the historical, social, and political causes of inequity.

Indonesian Housing Policy and Sustainable Development Goals (SDGs

Directory of Open Access Journals (Sweden)

Saddam Rassanjani

2018-04-01

Full Text Available The main objective of the implementation of Sustainable Development Goals (SDGs in Indonesia is to bring accelerated development in all aspects so that the poverty rate is expected to decrease even disappear. One of the programs that aimed to reduce poverty rates in Indonesia is the provision of housing for the community, especially the underprivileged. Moreover, it is a the million houses program that proclaimed by the Ministry of Public Works and People's Housing, and this program is correlated with the SDGS, especially goal 11 (sustainable cities and communities. The research is relying on secondary data basis primarily from books, journals, published reports and online news. It is expected that this study is able to provide a new insight for the government in building a community residential area, which is to integrate development plans into three dimensions (social, economic, and environment which are the pillars of sustainable development. Unfortunately, nowadays the government is relying too hard on achieving quantity and a little focus on quality. Furthermore, an experience on the MDGs edition can be an important lesson for the government in realizing SDGs, especially now that SDGs are in line with the points that contained in the RPJMN. Therefore, if the government is able to maximise this global development agenda, it is not impossible that the million houses program can be one of the leading programs in overcoming the problem of poverty, especially housing shortage in Indonesia.

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 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...

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...

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...

Urban regeneration in European social housing areas, Chapter 11

NARCIS (Netherlands)

Droste, C.; Lelevrier, C.; Wassenberg, F.

2008-01-01

Many European countries have policies to renew cities and neighbourhoods. This paper examines the policies of France, the Netherlands and Germany. In these, as in most Western European countries, the social housing sector forms an important part of regeneration schemes. Social housing is both actor

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.

Renewable Energy Policy Fact sheet - Poland

International Nuclear Information System (INIS)

2017-09-01

The EurObserv'ER policy profiles give a snapshot of the renewable energy policy in the EU Member States. Mid-2016 Poland revamped its national support scheme for electricity from renewable energy sources, started to phase out a certificates-backed renewable electricity quota scheme, and put in place a feed-in tariff/feed-in premium (FiT/FiP) system in place with the support levels being determined by approved tender bids. Furthermore, a fiscal and soft loan instrument is used for supplementary support. Three subsidy instruments and a soft loan instrument are deployed for the promotion of renewable heat. Renewable energy in transport is promoted through a bio-fuels quota scheme

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...

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...

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...

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...

Geothermal Loan Guaranty Program and its impact on geothermal exploration and development

Energy Technology Data Exchange (ETDEWEB)

Nasr, L.H.

1978-05-01

The study showed that the Geothermal Loan Guaranty Program has had only a negligible effect on geothermal development and the response to the program was far less than expected. The streamlining of environmental regulations and leasing policies, and the granting of intangible drilling cost write-offs and depletion allowances to operators would have had a greater impact on geothermal energy development. The loan guaranty program did not promote the undertaking of any new projects that would not have been undertaken without it. The program only accelerated the pace for some development which might have commenced in the future. Included in the study are recommendations for improving the operation of the program thereby increasing its attractiveness to potential applicants.

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...

24 CFR 200.610 - Policy.

Science.gov (United States)

2010-04-01

... GENERAL INTRODUCTION TO FHA PROGRAMS Affirmative Fair Housing Marketing Regulations § 200.610 Policy. It... condition in which individuals of similar income levels in the same housing market area have a like range of... programs shall pursue affirmative fair housing marketing policies in soliciting buyers and tenants, in...

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...

The Influence of Low-Barrier and Voluntary Service Policies on Survivor Empowerment in a Domestic Violence Housing Organization.

Science.gov (United States)

Nnawulezi, Nkiru; Godsay, Surbhi; Sullivan, Cris M; Marcus, Suzanne; Hacskaylo, Margaret

2018-01-18

The purpose of community-based domestic violence crisis housing programs (e.g., shelters) is to provide a safe setting that promotes empowerment for survivors of intimate partner violence. For staff to reach this aim, the program must have formal structures and processes in place to support such efforts. This study explored how low-barrier and voluntary service policies influenced staff practices and survivor empowerment. Low-barrier policies require that programs remove barriers that prevent survivors, particularly those who have mental health concerns and/or addictions, from being able to access services. A voluntary service policy states that survivors have the right to choose which services, if any, they would like to engage in during their stay at the program. Survivors' ability to stay at the housing program is not contingent on their participation in program services. This exploratory-sequential (QUAL→ quan) mixed-method study examined how low-barrier and voluntary service policies influenced staff behavior and how these behaviors then related to survivor empowerment. Qualitative results revealed that low-barrier and voluntary service were guided by cultural values of justice and access, encouraged survivor-centered practices among staff, and were believed to promote survivor autonomy. Quantitative results suggested that when survivors perceived they had a choice to engage in program services or meet with an advocate, their empowerment increased. This study has implications for domestic violence organizational practice and provides evidence about the contextual factors that support individual empowerment. (PsycINFO Database Record (c) 2018 APA, all rights reserved).

24 CFR 884.114 - Financing.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Financing. 884.114 Section 884.114... HOUSING PROJECTS Applicability, Scope and Basic Policies § 884.114 Financing. (a) Types. Eligible projects... contract as security for financing. (1) An Owner may pledge, or offer as security for any loan or...

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…

Integrated decision-making about housing, energy and wellbeing: a qualitative system dynamics model.

Science.gov (United States)

Macmillan, Alexandra; Davies, Michael; Shrubsole, Clive; Luxford, Naomi; May, Neil; Chiu, Lai Fong; Trutnevyte, Evelina; Bobrova, Yekatherina; Chalabi, Zaid

2016-03-08

The UK government has an ambitious goal to reduce carbon emissions from the housing stock through energy efficiency improvements. This single policy goal is a strong driver for change in the housing system, but comes with positive and negative "unintended consequences" across a broad range of outcomes for health, equity and environmental sustainability. The resulting policies are also already experiencing under-performance through a failure to consider housing as a complex system. This research aimed to move from considering disparate objectives of housing policies in isolation to mapping the links between environmental, economic, social and health outcomes as a complex system. We aimed to support a broad range of housing policy stakeholders to improve their understanding of housing as a complex system through a collaborative learning process. We used participatory system dynamics modelling to develop a qualitative causal theory linking housing, energy and wellbeing. Qualitative interviews were followed by two interactive workshops to develop the model, involving representatives from national and local government, housing industries, non-government organisations, communities and academia. More than 50 stakeholders from 37 organisations participated. The process resulted in a shared understanding of wellbeing as it relates to housing; an agreed set of criteria against which to assess to future policy options; and a comprehensive set of causal loop diagrams describing the housing, energy and wellbeing system. The causal loop diagrams cover seven interconnected themes: community connection and quality of neighbourhoods; energy efficiency and climate change; fuel poverty and indoor temperature; household crowding; housing affordability; land ownership, value and development patterns; and ventilation and indoor air pollution. The collaborative learning process and the model have been useful for shifting the thinking of a wide range of housing stakeholders towards a more

12 CFR 918.2 - Annual directors' compensation policy.

Science.gov (United States)

2010-01-01

... § 918.3. At a minimum, such policy shall address the activities or functions for which attendance is... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Annual directors' compensation policy. 918.2... HOME LOAN BANKS BANK DIRECTOR COMPENSATION AND EXPENSES § 918.2 Annual directors' compensation policy...

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.

APPLICATION OF LOANS AND THEIR IMPACT ON ECONOMIC DEVELOPMENT ASPECTS IN KOSOVO

Directory of Open Access Journals (Sweden)

Rexhepi Shaqir

2014-07-01

Full Text Available Abstract: Studies on the functioning of loan management models in banking institutions are of special significance for the ascertainment of efficient credit disbursement modalities and policies, with the aim of ensuring strategic and financial development. In their monetary programs, banks among other make assumptions on the increase of the demand for cash from loans for their respective economies and businesses. Supporting the economy through loans represents one of the main tasks of any banking system, and this is especially applicable in countries with specifics similar to our country. During the last half of the previous decade, the structure of deposits in the banking system underwent severe changes, which were generally in function of the country\\'s development, but also assisted in the development of the banking system itself. The overall tendency of the deposits in the banking system was positive, and charts and series matrixes show their ever growing tendencies. However, the vulnerability and problems of the first decade after the establishment of any banking system are reflected in crises and problems noted in the structure and level of deposits of such banking systems, which in the case of Kosovo was further reflected in external and internal factors affecting loans and their overall default.

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...

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...

Housing policies in developing countries: Microfinance

NARCIS (Netherlands)

Smets, P.G.S.M.; Smith, S.J.; Elsinga, M.; O’Mahony, L.H.; Ong, S.E.; Wachter, S.; Wood, G.

2012-01-01

Shelter is a basic human need for which financial means are required. Poorer sections of society face difficulties in accessing and coping with conventional mortgage finance and are better assisted with housing microfinance. This enables the poor, especially in 'developing' countries to build their

Monetary policy, bank size and bank lending: evidence from Australia(new version)

OpenAIRE

liu, luke

2012-01-01

This study explores how monetary policy changes flow through the banking sector in Australia. Drawing on data between 2004 and 2010, we divide banks into three groups according to their size, and examine the impact of cash rate change on lending of different types of loans. We found the response of bank lending after a monetary policy change varies with the size of the bank as well as the types of loan.

Heterogeneous convergence of regional house prices and the complexity in China

Directory of Open Access Journals (Sweden)

Rui Lin

2015-12-01

Full Text Available The purpose of this research is to analyze the convergence of regional house prices and its complexity in China. In this purpose it used nonlinear time varying factor model. The obtained results have provided evidences for the existence of some degree of segmentation in China’s housing market. By further dynamic analysis of the convergence, we have found that important housing policies from Chinese central government can significantly alter the housing market but with a time lag of 4 to 5 months, and that quite different behaviors exist between the new house market and the second-hand house market in China, which provides the evidence for the complexity of housing market in China. Multiple factors together are the driving forces for the regional house price convergence. And the driving forces differ among three clubs. The basic conclusion provided from the realized research is that the conventional definitions of economic regions may not be appropriate to analyze house price segregation in China. Heterogeneous convergence exists in China’s regional house prices, indicating the complexity of regional house prices in China. And housing policies should be implemented with different focus among the regions. The way of the central government is to make housing policies aiming at different sub-markets of the new house market and the second-hand house market.

Social mix policies in Paris: discourses, policies and social effects.

Science.gov (United States)

Bacqué, Marie-Hélène; Fijalkow, Yankel; Launay, Lydie; Vermeersch, Stéphanie

2011-01-01

Since the 1980s, the issue of social mix has become a public policy category in France. Enshrined in legislation, yet remaining controversial, it represents a major premise on which housing policies have been reconfigured. The concept of social mix is essentially based on who lives where, but it is also evoked in the context of urban renewal schemes for social housing estates, as well as in relation to new-build developments. A study of the bases of social mix policies conducted in Paris since 2001 in the context of the embourgeoisement of the capital shows the fundamental role of social housing stock. The City Council has become involved in policy decisions about both the location and the allocation of social housing. Particular attention has been paid to the middle classes in the name of the principle of ‘balancing the population’. In order to measure the effects of the policy, this article relies on an analysis of two City of Paris schemes that have the stated intent of creating social mix. One of these schemes consists of redeveloping a working-class neighbourhood, Goutte d'Or, while the other involves the new acquisition of social housing in various more affluent neighbourhoods in the capital. This comparative study of the population shows that, whether in a neighbourhood poised for gentrification or in a more affluent neighbourhood, this policy has major effects on forms of local social cohesion, setting in motion individual trajectories and reshaping social and/or ethnic identities.

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...

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…

39 CFR 777.27 - Last resort housing.

Science.gov (United States)

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false Last resort housing. 777.27 Section 777.27 Postal... ACQUISITION POLICIES Uniform Relocation Assistance § 777.27 Last resort housing. (a) Basic Determination to Provide Last Resort Housing. A displaced person cannot be required to move from his or her dwelling unless...

The investigation on the relationship between the problem of long-term loan and economic growth

Institute of Scientific and Technical Information of China (English)

Wenjie Du

2011-01-01

Purpose-Since the reform and opening-up policy,the long-term problem of loans became more and more serious when China's economy maintained rapid growth.The purpose of this paper is to explore the profound causes of the medium-and long-term problem of loans and the relationship between it and economic growth.Design/methodology/approach-Using panel data for 28 provinces and cities of China during 1994-2005,this paper investigates the determinants on the maturity of bank credit using threshold panel data of Hansen.In addition,using dynamics panel data,this paper investigates the effects of the maturity structure of bank credit on economic growth.Findings-The drop of bank industry concentration tends to increase the supply of long-term loans.The raise of economic growth and the increase of industrialization degree promote the demand of long-term loans,significantly.Furthermore,the threshold effects of inflation exist.When the initial inflation is lower than 3.9 percent,the raise of inflation can increase the supply of long-term loans.When the initial inflation is higher than 3.9 percent,the raise of inflation can decrease the supply of long-term loans.The increase in the supply of long-term loans can promote the economic growth.Originality/value-The paper has two innovations:first,when studying the determinants on the maturity of bank credit,using the threshold panel approach takes account of the nonlinear adjustment of inflation;second,including the maturity of bank credit into the realm of financial development studies the relationship between this and economic growth.

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...

What Drives Bank Lending in Domestic and Foreign Currency Loans in a Small Open Transition Economy with Fixed Exchange Rate? The Case of Macedonia

OpenAIRE

Jane Bogoev

2011-01-01

This paper investigates two different bank loan supply functions and their determinants according to the currency of bank loans in the Republic of Macedonia. There is robust statistical evidence in favour of the existence of a bank lending channel through foreign currency loans and the foreign reference interest rate. This suggests that the impact of domestic monetary policy over the bank lending channel is limited. The most significant bank-specific characteristic for the foreign currency lo...

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...

Modeling the potential impacts of different radon policies for the U.S. housing stock

International Nuclear Information System (INIS)

Peterson, M.D.; Ritchie, I.M.

1995-01-01

According to the Environmental Protection Agency (EPA) and other public health agencies in the United States, radon may be the leading cause (along with passive smoking) of lung cancer deaths among nonsmokers. Radon is estimated to be the second leading cause of lung cancer death in smokers behind smoking-related lung cancer. EPA estimates that 7,000 to 30,000 lung cancer deaths each year are due to radon exposure. (It is implied that radon-related lung cancer deaths can be prevented by reducing radon levels below EPA's guideline levels). Current EPA radon policy is based on a strategy of education, the transfer of testing and remediation technologies to the public and private sectors, and recently proposed radon-resistant construction standards for new homes. This paper models the effectiveness of current proposed, and alternative policies for reducing radon risks in U.S. residential construction. The results of our analysis suggest that EPS's projections of 2,200 'lives saved annually' as a result of its current action level of 4 pCi/l will not be achieved with its current policy in the near future. Overall, the response of radon-related mortality to most policy options is delayed and flat due in part to the large number of houses with low radon levels and the long latency period between radon exposure and the development of cancer. The modeling results suggest that more aggressive smoking reduction programs may yield greater benefits in overall lung cancer mortality (but not reduced radon exposure) than most radon-related policies. (au)

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...

In-house (disability

Directory of Open Access Journals (Sweden)

Safak Pavey

2010-07-01

Full Text Available In May 2007 UNHCR established an internal working group to look at developing in-house policies for people with disabilities both for the benefit of people of concern to us and for staff members.

76 FR 5131 - Solicitation of Nomination of Veterinary Shortage Situations for the Veterinary Medicine Loan...

Science.gov (United States)

2011-01-28

... Science; National Institute of Food and Agriculture; U.S. Department of Agriculture; STOP 2220; 1400... and State Allocation Method 4. State Allocation of Nominations 5. FY 2011 Shortage Situation..., Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary Medicine Loan...

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

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...

Energy renovation of single-family houses in Denmark utilising long-term financing based on equity

DEFF Research Database (Denmark)

Kragh, Jesper; Rose, Jørgen

2011-01-01

This paper aims to present an economic overview of the opportunities for energy renovation of single-family houses in Denmark financed over the long term. The paper focuses on the economic difference between energy savings and the repayment of investment. Taking out the average remaining 20% equity...... in long-term property mortgage loans and utilising it for extensive energy renovation improves both the economy and the extent of included measures. Approximately 30% of energy consumption in Denmark is used for space heating. The existing 1 million single-family houses account for approximately half...

Bank loan loss provisions research: A review

Directory of Open Access Journals (Sweden)

Peterson K. Ozili

2017-09-01

Full Text Available We review the recent academic and policy literature on bank loan loss provisioning. Among other things, we observe that there exist some interaction between LLPs and existing prudential, accounting, institutional, cultural, religious, tax and fiscal frameworks which differ across countries; and we find that managerial discretion in provisioning is strongly linked to income smoothing, capital management, signalling, tax management and other objectives. We also address several issues including the ethical dimensions of income smoothing, factors influencing income smoothing, methodological issues in LLP modelling and the dynamic loan loss provisioning experiment; which opens up several avenues for further research such as: finding a balance between sufficient LLPs which regulators want versus transparent LLPs which standard setters want; the sensitivity of abnormal LLPs to changes in equity; the persistence of abnormal LLPs following CEO exit; country-specific interventions that induce LLP procyclicality in emerging countries; the impact of Basel III on banks' provisioning discretion; LLP behaviour among systemic and non-systemic financial institutions; etc. We conclude that regulators need to pay attention to how much discretion lending institutions should have in determining reported provision estimates, and this has been a long standing issue.

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...

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 ...

The role of the welfare state and housing policies as a medium and outcome of rising inequality in the cities

DEFF Research Database (Denmark)

Alves, Sonia; Andersen, Hans Thor

by their functional and morphological qualities, residential districts have come to be seen as an expression of socio-economic and symbolic differences and inequalities. From this perspective, the relative position of social groups in the occupational class structure and in the spatial structure becomes a privileged...... field of empirical inquiry for scientists concerned with inequality in all its multidimensional forms. The aim of this paper is to draw up the lines between social and spatial inequality in cities through discussion of the role of housing policies and housing markets as an outcome of the rise...... research questions concerning the role of the welfare state as a causal mechanism of social and spatial stratification. Hence what are the main differences between typologies of welfare and housing regimes regarding economic and social inequality? To what extent do they variously project socio...

Economic policy uncertainty and housing returns in Germany: Evidence from a bootstrap rolling window

Directory of Open Access Journals (Sweden)

David Su

2016-06-01

Full Text Available The purpose of this investigation is to research the causal link between economic policy uncertainty (EPU and the housing returns (HR in Germany. In the estimated vector autoregressive models, we test its stability and find the short-run relationship between HR and EPU is unstable. As a result, a time-varying approach (bootstrap rolling window causality test is utilized to revisit the dynamic causal link, and we find EPU has no impact on HR due to the stability of the real estate market in Germany. HR does not have significant effects on EPU in most time periods. However, significant feedback in several sub-periods (both positive and negative are found from HR to EPU, which indicates the causal link from HR to EPU varies over time. The empirical results do not support the general equilibrium model of government policy choices that indicate EPU does not play a role in the real estate market. The basic conclusion is that the real estate market shows its stability due to the social welfare nature and the rational institutional arrangement of the real estate in Germany, and the real estate market also shows its importance that it has significant effect on the economic policy choice in some periods when negative external shocks occur.

New scenes and houses for literature - a challenge for cultural and public library policy?

DEFF Research Database (Denmark)

Lund, Niels D.

2012-01-01

The paper focuses on the emergence of new initiatives and undertakings in the field of promotion and use of literature in comparison with the possibilities and practices of the traditional public library institutions and of public cultural policy. First a description of a dual development...... of the public library and of UNESCO’s agenda City of literature makes a setting; then three parts mention different scenes and initiatives: small scenes for performance of literature, festivals of literature as a mode, and – more detailed – the various types of houses of literature - with primarily Danish...... questions of subsiding and relations to libraries and civil society....

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...

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.

Analysis of Third Party Loan Guarantee and Performance of Non-Prime Household Loans in Microfinance Banks in Kenya

Directory of Open Access Journals (Sweden)

Bernard Ndirangu Wachira

2017-08-01

Full Text Available Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performance of Microfinance Banks. It is still unknown why the credit risk affects the performance of non-prime household loans in the Microfinance Banks domiciled in Kenya. The reason for conducting this study is to determine the level at which the third party loan guarantee and the performance of non-prime household loans relate to the Microfinance Banks in Kenya. Particularly, this study is to determine how the amount secured by guarantee, recoveries from guarantors, percentage of loan secured, and percentage recoveries from guarantors relate to the performance of nonprime household loans in the Microfinance Banks in Kenya. The population was 516 senior management employees of the banks. The researcher conducted a multiple regression analysis for determining the relationship between the amount secured by guarantee—recoveries from guarantors, percentage granted, and percentage recoveries—and the performance of non-prime household loans. The R and R2 were used for determining the strength of the relationship and the coefficient of determination at 0.05 level of significance of variables. The result of this study reveals that there exists a strong relationship between the dependent and independent variables, thereby contradicting the null hypothesis, which states that the relationship does not exist. The percentage of the recoveries from the guarantors over the

Quality Affordable Housing: A Theoretical Framework for Planning and Design of Quality Housing

Directory of Open Access Journals (Sweden)

Noor Sharipah Sultan Sidi

2011-10-01

Full Text Available The provision of adequate, good or quality housing for the population has always been a major challenge and task for most nations in the world particularly the developing countries. As such various measures have been undertaken towards this end. However, the major constraint or problem in this respect has always been in defining the criteria for quality housing and establishing the standards of quality housing particularly with respect to the parameters in the determination of quality as some of the parameters are subjective and contextual such as psychological, cultural and environmental aspects. This paper is aimed at discussing the concept of quality housing and establishing the parameters and theoretical framework which can be used by researchers, town planners, architects, policy makers and others in the formulation of criteria / guidelines for the planning and design of quality housing.

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...

Households' ethnic background and crowding in public housing ...

African Journals Online (AJOL)

Crowded housing is one of the housing stresses that bother policy makers and housing ... ethnic and cultural origins occupying Lagos State Development and Property ... groups should be deliberately mixed to achieve ethnic and social integration. ... FAQ's · More about AJOL · AJOL's Partners · Terms and Conditions of Use ...

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...

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...

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...

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...

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…

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...

Globalization and the Housing Asset Rich