WorldWideScience

Sample records for policies housing loan

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

    Directory of Open Access Journals (Sweden)

    Jhon Antuny Pabón-León

    2017-02-01

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

  2. 77 FR 40785 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2012-07-11

    ... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC90 Single Family Housing Guaranteed Loan Program... Housing Guaranteed Loan Program (SFHGLP) (also referred to as ``Agency'') by requiring an annual fee for... to exceed 0.5 percent of the outstanding principal balance of the loan for the life of the loan. The...

  3. Repayment policy for multiple loans.

    Directory of Open Access Journals (Sweden)

    Yasmin Agueda Rios-Solis

    Full Text Available The Repayment Policy for Multiple Loans is about a given set of loans and a monthly incoming cash flow: what is the best way to allocate the monthly income to repay such loans? In this article, we close the almost 20-year-old open question about how to model the repayment policy for multiple loans problem together with its computational complexity. Thus, we propose a mixed integer linear programming model that establishes an optimal repayment schedule by minimizing the total amount of cash required to repay the loans. We prove that the most employed repayment strategies, such as the highest interest debt and the debt snowball methods, are not optimal. Experimental results on simulated cases based on real data show that our methodology obtains on average more than 4% of savings, that is, the debtor pays approximately 4% less to the bank or loaner, which is a considerable amount in finances. In certain cases, the debtor can save up to 40%.

  4. 78 FR 52460 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-08-23

    ... packager. Under this process, the groups must maintain clear separation of duties. 1. Agency-certified loan...) Have at least one year of real estate and/or mortgage experience, (2) be employed by a qualified... involving the purchase of an RHS Real Estate Owned property or loans under the Mutual Self-Help Housing...

  5. 75 FR 27949 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2010-05-19

    ... efficiency in managing the SFHGLP. The proposed changes are in accordance with the recommendations of the... Housing Service proposes two changes to its Single Family Housing Guaranteed Loan Program (SFHGLP...-quarter of 1 percent. The first proposed rule change would eliminate the lender's published VA rate for...

  6. Toward Improvement of Credit Policies on Guaranteed Student Loans.

    Science.gov (United States)

    Shay, Robert P.

    Four aspects of the Guaranteed Student Loan (GSL) Program are compared with credit policies on other loans made by consumer installment lenders. The four aspects are: (1) the planning, screening, monitoring, collecting, and write-off policies on GSLs versus uninsured loans; (2) the importance of the Student Loan Marketing Association in providing…

  7. 75 FR 52429 - Guaranteed Single Family Housing Loans

    Science.gov (United States)

    2010-08-26

    ... adequate but modest, decent, safe, and sanitary dwellings for their own use. Section 1980.373(e) states... Program for SFHGLP borrowers in default on their housing loans due to damage caused by certain hurricanes... certain hurricanes in 2005. This credit or reduction in the ultimate loss claim payment is necessary since...

  8. 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...... 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...... the past quarter of a decade. The third section then concentrates on the differences between Denmark, Sweden and Norway in which social housing is, our was originally, embedded in a universal welfare policy targeting the general level of housing quality for the entire population. Differences stand out...

  9. Housing Policies and Health Inequalities.

    Science.gov (United States)

    Marí-Dell'Olmo, Marc; Novoa, Ana M; Camprubí, Lluís; Peralta, Andrés; Vásquez-Vera, Hugo; Bosch, Jordi; Amat, Jordi; Díaz, Fernando; Palència, Laia; Mehdipanah, Roshanak; Rodríguez-Sanz, Maica; Malmusi, Davide; Borrell, Carme

    2017-04-01

    A large body of literature shows the link between inadequate housing conditions and poor physical and mental health. The aim of this paper is to summarize the research on the impact of local housing policies on health inequalities, focusing on the issues of access to housing and fuel poverty as studied in the SOPHIE project. Our case studies in Spain showed that people facing housing insecurity, experienced intense levels of mental distress. We found that access to secure and adequate housing can improve the health of these populations, therefore, public policies that address housing instability and their consequences are urgently needed. Housing conditions related to fuel poverty are associated with poorer health and are unevenly distributed across Europe. We found possible positive effects of façade insulation interventions on cold-related mortality in women living in social housing; but not in men. Policies on housing energy efficiency can reduce the health consequences of fuel poverty, but need to be free to users, target the most vulnerable groups and be adaptable to their needs.

  10. 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.

  11. 7 CFR 1940.563 - Section 502 non-subsidized guaranteed Rural Housing (RH) loans.

    Science.gov (United States)

    2010-01-01

    ... (RH) loans. 1940.563 Section 1940.563 Agriculture Regulations of the Department of Agriculture... guaranteed Rural Housing (RH) loans. (a) Amount available for allocations. See § 1940.552(a) of this subpart... percentage range used for Section 502 guaranteed RH loans is plus or minus 15. (e) Base allocation. See...

  12. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ... provide AHP direct subsidy to enable eligible households with subprime or nontraditional loans held by a...-value ratio, payment history, type of original loan (e.g., subprime or nontraditional), and reasons for...: Federal Home Loan Bank Mortgage Refinancing Authority AGENCY: Federal Housing Finance Agency. ACTION...

  13. 76 FR 51344 - Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor...

    Science.gov (United States)

    2011-08-18

    ... Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm Housing for Fiscal Year (FY... Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing Grants for Off-Farm... existing non-Farm Labor Housing (FLH) property. The scoring has changed to increase the maximum points from...

  14. 12 CFR 590.4 - Federally-related residential manufactured housing loans-consumer protection provisions.

    Science.gov (United States)

    2010-01-01

    ... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... method. Precomputed finance charges do not include loan fees, points, finder's fees, or similar charges...

  15. 75 FR 34421 - Notice of Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor...

    Science.gov (United States)

    2010-06-17

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

  16. 75 FR 4963 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2010-01-29

    ... Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans; Proposed Rule #0;#0... Housing Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans AGENCY.... SUMMARY: This rule proposes to revise the regulations governing FHA's Section 242 Hospital Mortgage...

  17. A DSGE-Based Assessment of Nonlinear Loan-to-Value Policies: Evidence from Hong Kong

    OpenAIRE

    Funke, Michael; Paetz, Michael

    2012-01-01

    In the wake of the 2008-2009 global financial crisis, the macroeconom-ic discussion has returned to the topic of proactive macroprudential policies. One proactive approach, the use of loan-to-value (LTV) policies to curb booming proper-ty markets, has long been used by Hong Kong’s monetary authorities to actively manage and mitigate the potential fallout from housing price bubbles. Here, we ana-lyse the merits of this countercyclical macroprudential policy in a New Keynesian DSGE model. We co...

  18. Housing policy realignment in East Asia

    NARCIS (Netherlands)

    Ronald, R.

    2010-01-01

    The article assesses the realignment of housing policy in various countries in East Asia since the late 1990s. Housing policies in East Asia reflect differences in institutional contents and combinations of public and private elements. The promotion of home ownership policies allows the expansion of

  19. 77 FR 31993 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-05-31

    ... stated that ``[u]nder this IRPS, TDR loans are as defined in generally accepted accounting principles (GAAP) and the Board does not intend through this policy to change the Financial Accounting Standards..., consistent with industry practice or Federal Financial Institutions Examination Council (FFIEC) requirements...

  20. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ... Part 242 Federal Housing Administration (FHA): Hospital Mortgage Insurance Program--Refinancing Hospital Loans; Final Rule #0;#0;Federal Register / Vol. 78, No. 24 / Tuesday, February 5, 2013 / Rules and...-5334-F-02] RIN 2502-AI74 Federal Housing Administration (FHA): Hospital Mortgage Insurance Program...

  1. Models for Determining the Efficiency of Student Loans Policies

    Science.gov (United States)

    Dente, Bruno; Piraino, Nadia

    2011-01-01

    For both efficiency and equity reasons, student loans schemes have been introduced by several countries. Empirical work has been carried out in order to measure the effectiveness of these policies, but, with few exceptions, their results are not comparable because of their concentration on specific aspects. The present work suggests a…

  2. 32 CFR 623.2 - Loan policies.

    Science.gov (United States)

    2010-07-01

    ... appropriate command to act as the DOD point of contact with the Housing and Urban Development (HUD) Federal... United Kingdom, Canada, and Australia (Standardization Program) 10 U.S.C. 2667; AR 34-1 CG DARCOM (those... DCSRDA, HQDA, for approval) Equipment. 15. Aid to District of Columbia Government in Combating Crime 2...

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

    OpenAIRE

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

    2015-01-01

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

  4. 38 CFR 8.13 - Policy loans.

    Science.gov (United States)

    2010-07-01

    ... exceed 94 percent of the reserve, and any indebtedness on the policy shall be deducted from the amount.... Treasury Securities for the month of June of the year of calculation rounded down to the next whole...

  5. 75 FR 81096 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-12-27

    ... number of the definitions are the same as those applicable to the Enterprise housing goals, and other... to remain consistent with the revised definition in the final 2010-2011 Enterprise housing goals rule... final Enterprise 2010-2011 housing goals rule, the definition of ``mortgage'' in the final rule does not...

  6. The Housing Transition in Mexico: Local Impacts of National Policy

    OpenAIRE

    Monkkonen, Paavo

    2009-01-01

    The dramatic reform and expansion of Mexico's housing finance system since the early 1990s has transformed production and acquisition of housing in Mexico. More housing is now built by formal private sector construction companies and purchased with mortgages than through the informal, incremental process that traditionally housed the majority of the population. Most housing finance is provided by government lenders, with tight restrictions on eligibility for loans and on the houses they can b...

  7. 78 FR 73927 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2013-12-09

    ... Finance Board. The latter regulates banks within the Federal Home Loan Bank (FHLB) System. These Federal... participating lenders and allow time for computer system changes. Rural Development recognizes the general need... Deposit Insurance Corporation, the Federal Reserve System, the National Credit Union Administration, the...

  8. 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...

  9. 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...

  10. Housing Policy in Ghana: The Feasible Paths

    African Journals Online (AJOL)

    2014-05-01

    May 1, 2014 ... planning controls; and confining government's role to regulating the housing market rather than assuming housing .... Mahama and Antwi (2006) suggest that one's ability to construct an expensive European style .... policy interventions botched in reaching the low income target groups or in meeting.

  11. 75 FR 29947 - Federal Home Loan Bank Housing Goals

    Science.gov (United States)

    2010-05-28

    .... A number of the definitions are the same as those applicable to the Enterprises for their proposed... ``designated disaster areas.'' Consistent with the proposed definition for the new Enterprise housing goals... Enterprises) under sections 1331 through 1334 of the Federal Housing Enterprises Financial Safety and...

  12. 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...

  13. Possibilities for change toward universal design: Japanese housing policy for seniors at the crossroads.

    Science.gov (United States)

    Kose, S

    1996-01-01

    Japanese government policies for seniors have long assumed that informal care by their families exists for them. The rapid aging of Japan is eroding the basis for this assumption. It is now necessary to include barrier-free design concepts in the basic requirements for dwellings to be used by everyone, not just seniors, to support independent living. Essential requirements in proposed guidelines are already in effect in the design and construction of publicly operated rental housing. But at this time, only the schemes of the Housing Loan Corporation of Japan for additional loans are being used, in cases where some design requirements for senior users are being met. The Housing Loan Corporation's loan system has long been seen as a policy on the part of government to boost the economy, particularly during recessions, but assistance for construction of higher quality dwellings has been lacking. This article discusses the basic philosophy of design guidelines and practical ideas to be considered in dwelling design and the merit of model dwellings constructed by housing manufacturers in Japan. It also discusses potential strategies to implement the basic ideas of design guidelines. It then proposes some possible methods to realize life-span dwellings, or dwellings designed for everybody.

  14. Housing Policy in Ghana: The Feasible Paths | Boamah | Ghana ...

    African Journals Online (AJOL)

    Several housing policies have been implemented in Ghana since independence in 1957. Despite these policies, housing in Ghana is characterized by inadequate housing stock, overcrowding, congestion, housing decay, and neighbourhood blight. The paper examines the outcomes of pre and post-colonial housing ...

  15. 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......, and a public pension system. We simulate the model to illustrate some macroeconomic, allocative and distributional effects of a policy experiment involving a 10% cut in the capital income tax rate...

  16. 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... credit score threshold as well as reduce the maximum loan-to-value (LTV) for borrowers with lower credit scores who represent a higher risk of default and mortgage insurance claim; and to tighten underwriting...

  17. 78 FR 37101 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2013-06-20

    ... Association Charter Act and section 307(e) and (f) of the Federal Home Loan Mortgage Corporation Act... Mortgage Corporation (Freddie Mac), or the Federal Home Loan Banks (Banks) for failure to submit or follow... Activities Information Prior to the enactment of the Housing and Economic Recovery Act of 2008 (HERA), the...

  18. 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.

  19. 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 unit......, and a public pension system. We simulate the model to illustrate some macroeconomic, allocative and distributional effects of a policy experiment involving a 10% cut in the capital income tax rate......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...

  20. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide instructions...

  1. 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.

  2. 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...

  3. 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...

  4. 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…

  5. 12 CFR 723.6 - What must your member business loan policy address?

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false What must your member business loan policy address? 723.6 Section 723.6 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING... other data when necessary to analyze future loans and lines of credit, such as, borrower's history and...

  6. 77 FR 75362 - Funding and Fiscal Affairs, Loan Policies and Operations, and Funding Operations

    Science.gov (United States)

    2012-12-20

    ... of agricultural real estate loans (guaranteed securities); and (2) To issue debt obligations (which... be read for ``Farm Credit securities,'' and ``Farmer Mac'' shall be read for ``Farm Credit banks... FARM CREDIT ADMINISTRATION 12 CFR Part 615 Funding and Fiscal Affairs, Loan Policies and...

  7. HOUSING POLICIES AND MARKET FAILURES IN ONDO STATE NIGERIA

    Directory of Open Access Journals (Sweden)

    Afolabi Francis FATUSIN

    2014-06-01

    Full Text Available One major factor that account for housing market crises in developing countries is the seeming disconnect between housing policies and housing markets in these countries. This paper examines the links between housing policy and urban housing market dynamics in context of developing world drawing from the housing market situation in selected urban centres in Ondo state of Nigeria. The data utilized were derived from the study of housing situations in the selected urban centres. Thus 180 questionnaires were administered on selected household heads and key officials of major agencies and organizations including government departments involved in housing provision and development in the state. The data collected were analyzed using simple descriptive analysis where appropriate. The study revealed that housing policies introduced over the years have had little impact on housing production and by implication urban housing market in the study cities. The study also revealed a disconnect between these policies and housing provision and trends in terms of quality, quantity, affordability and accessibility to housing. The paper argued that these were so because institutions connected to efficient functioning of these policies were inefficient, ineffective and sometime over ambitious and so more often than not, set goals were not met. The study concluded by suggesting more commitment on the part of Federal and Ondo state governments to ensure these policies dovetail to housing consumers.

  8. Para Politikasının Kredi Faiz Oranlarına Geçişkenliği Üzerine Dinamik Bir Analiz: Türkiye Örneği(A Dynamic Analysis on Pars-Through of Monetary Policy to Loan Rates: The Case of Turkey

    Directory of Open Access Journals (Sweden)

    Nilgün ÇAĞLARIRMAK USLU

    2016-12-01

    Full Text Available In this paper, we investigated that the pass-through from policy interest rate to loan rates for the period 2002:01-2014:12 in Turkey. Accordingly, using Bound test approach proposed by Peseran at al. (2001, we investigated co-integration relationship and found long run co-integration relationship between money market rate and cash, automobile and house loan rates. After detecting co-integration relationship, the short and long term relationship between the money market rate and cash, automobile and house loan rates were analyzed by employing ARDL model. Finally, we analyzed the effect of money market rate on cash, automobile and house loan rate dynamically employing Kalman Filter model. Empirical results suggest that cash loans have the highest passthrough adjustment and the dynamic effects of the policy rate on the loan rates generally has decreased until 2008 and is more stable after the global financial crisis

  9. 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…

  10. 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

  11. 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

    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......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...... differences between housing policies and housing outcomes in Nordic countries, despite their common background as welfare states. The study shows that immigrants have very different positions on the housing markets in the countries and that the degree of overcrowding among immigrants compared with the whole...

  12. 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

    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......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...... differences between housing policies and housing outcomes in Nordic countries, despite their common background as welfare states. The study shows that immigrants have very different positions on the housing markets in the countries and that the degree of overcrowding among immigrants compared with the whole...

  13. 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.

  14. 76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2011-05-25

    ... institutions, directly or in partnership with other market participants, to purchase loans of failed banks from... fail, farmers, ranchers, producers or harvesters of aquatic products, and cooperatives can be left... others have asked whether System institutions, directly or in partnership with other market participants...

  15. 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....

  16. 77 FR 42265 - Notice of Funding Availability: Section 515 Multi-Family Housing Preservation Revolving Loan Fund...

    Science.gov (United States)

    2012-07-18

    ... multiplied by the DSCR to the EBIT derived from the applicant's consolidated income statement. For example... revitalization of low-income Multi-Family Housing (MFH). Rural Development did not receive sufficient... loans to ultimate recipients for the preservation and revitalization of low-income Section 515, 514, and...

  17. 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....

  18. 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...

  19. Policy Considerations for a Student-Loan Refinancing Authority

    Science.gov (United States)

    State Council of Higher Education for Virginia, 2016

    2016-01-01

    Access and affordability are the main themes of Goal 1 of The Virginia Plan for Higher Education. Progress toward these goals can be measured by a variety of means, but access and affordability serve as foundational guiding principles as the Commonwealth of Virginia crafts its annual and biennial higher-education budgets. Student-loan debt is but…

  20. Optimizing a Library's Loan Policy: An Integer Programming Approach.

    Science.gov (United States)

    Al-Fares, Hesham K.

    1998-01-01

    Discusses the length of library loan periods and the number of books allowed to be borrowed. An integer programming model is formulated whose solution yields the optimum user satisfaction, and a case study conducted at King Fahd University of Petroleum and Minerals (Saudi Arabia) is presented. (Author/LRW)

  1. Changing housing policy landscapes in Asia Pacific

    NARCIS (Netherlands)

    Ronald, R.; Chiu, R.L.H.

    2010-01-01

    The Asia Pacific region, and in particular East Asia, underwent rapid urbanisation and industrialisation in the latter decades of the twentieth century. Central to this transformation was intensive public and private investment in the housing sector. Although housing was largely commodified, public

  2. 78 FR 61002 - Loan Guaranty: Assistance to Eligible Individuals in Acquiring Specially Adapted Housing; Cost-of...

    Science.gov (United States)

    2013-10-02

    ... year (FY) 2014. FOR FURTHER INFORMATION CONTACT: John Bell, III Assistant Director for Loan Policy and... index. The Secretary uses the Turner Building Cost Index for this purpose. In the most recent quarter for which the Turner Building Cost Index is available, Quarter 2 FY 2013, the index showed an increase...

  3. The Successes and Failures of Federal Housing Policy

    Science.gov (United States)

    Downs, Anthony

    1974-01-01

    Assesses the effectiveness of federal housing-related policies in the 1960's and early 1970's, discussing in detail the "trickle-down" process that dominates American urban development and the periods in which housing had first a low priority, and then a high priority. (JM)

  4. 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...

  5. Health Professions and Nursing Student Loan and Scholarship Programs. Manual of Information, Policies, and Procedures.

    Science.gov (United States)

    National Institutes of Health (DHEW), Bethesda, MD. Bureau of Health Manpower Education.

    This manual covers basic policies and procedures governing four student loan and scholarship programs administered within the Bureau of Health Manpower, National Institutes of Health. An introductory chapter provides definitions, procedures, and reporting common to all programs, and this is followed by chapters describing: (1) The Health…

  6. An Operations Research Study of a Variable Loan and Duplication Policy at the University of Lancaster

    Science.gov (United States)

    Buckland, Michael K.

    1972-01-01

    The variable" loan and duplication policy which was developed is described and also the considerable impact of implementation. The work is presented as a case study in library O.R. The great importance of analyzing the structure of problems is stressed and the nature and usefulness of models is described. (9 references) (Author/NH)

  7. Pragmatic housing policy in the quest for low-income group housing delivery in Malaysia

    Directory of Open Access Journals (Sweden)

    Bawa Chafe Abdullahi

    2011-06-01

    Full Text Available The low income group (LIG housing is one of the contemporary challenges of most developing countries and it is assuming to be 'perpetual' problem in some of these countries. This paper explores the Malaysian housing policies on its meticulous implementation and how the pragmatism aspect of such policies improve significantly the housing affordability and accessibility to the majority of the LIG in the country. The study built upon multiple data sources. These sources include empirical data collected through structured and semi-structured questionnaires administered to the household respondents and stakeholder agencies respectively. In addition, published literature and periodicals were reviewed. The five low-cost housing estates in Kuala Lumpur, a Federal Territory of Malaysia, were selected to serve as case study, in order to enrich the study. The findings of the study show that the majority of the beneficiaries of low-cost housing programmes fall within the principal target of LIG and much contribution has been made to the cohort housing. The study also provides evidence that is contrary to path dependent policies. In particular, the Malaysian housing policies adoption of pragmatic and all inclusive role of the government, provide institutional support for a well functional housing delivery to the LIG not only in Kuala Lumpur, but for the entire country.

  8. 77 FR 4927 - Loan Workouts and Nonaccrual Policy, and Regulatory Reporting of Troubled Debt Restructured Loans

    Science.gov (United States)

    2012-02-01

    ... Restructuring'' is as defined in generally accepted accounting principles (GAAP) and means a restructuring in... definition of a TDR under GAAP. In addition, it is important to recognize the Financial Accounting Standards... accepted accounting principles (GAAP) and the Board does not intend through this policy to change the...

  9. 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...

  10. Housing Relocation Policy and Violence: A Literature Review.

    Science.gov (United States)

    Casas, Andrea; Duell, Jessica; O'Malley, Teagen; Documet, Patricia; Garland, Richard; Albert, Steven; Fabio, Anthony

    2016-12-01

    This article summarizes and reviews the cross-discipline literature on violent crime in destination neighborhoods postrelocation in order to build a more comprehensive picture of risk factors for violence, as well as how and why housing policies influence risk of violence. High rates of violent crime continue to be a persistent problem in areas of concentrated poverty and public housing. Modern housing programs such as Moving to Opportunity and Housing Opportunities for People Everywhere are popular interventions for reducing the density of low-income people receiving public housing assistance by relocating residents of distressed housing projects. However, evidence suggests that relocated residents may not experience less violence or improved safety in their new communities. © The Author(s) 2015.

  11. 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

  12. 78 FR 8551 - Federal Housing Administration (FHA) Risk Management Initiatives: Changes to Maximum Loan-to...

    Science.gov (United States)

    2013-02-06

    ... Administration (FHA) Risk Management Initiatives: Changes to Maximum Loan-to-Value Financing Solicitation of...: Notice. SUMMARY: This proposed notice would make changes to the loan-to-value (LTV) financing available... that this proposed change to the LTV requirements is necessary to improve the health of the MMIF, while...

  13. 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

  14. Housing policies for the elderly: why should we care?

    OpenAIRE

    Nina Szczygieł; Mafalda Almeida

    2017-01-01

    In aging societies, housing responses for the elderly are of increasing importance. The article deals with the problem of housing policies from the viewpoint of an elder person and analyzes an impact of the place of residence. The study suggests that community dwelling elderly have significantly higher quality of life and experience less loneliness. In view of these results, there are reasons to believe that a well-designed quality home care system for the elderly could be beneficial in that ...

  15. Spain and the crisis: housing prices, credit, and macroprudential policies

    OpenAIRE

    Rubio, Margarita; Carrasco-Gallego, José A.

    2017-01-01

    In this paper, we propose a two-country, two sector monetary union DSGE model with housing. One of the countries is calibrated to represent the Spanish economy while the other one is the rest of the European monetary union. First, we illustrate how looser credit conditions coming from the Euro area, together with increases in housing demand, lead to an increase in house prices and credit in Spain. Then, we analyze to what extent, macroprudential policies could have avoided the excess in credi...

  16. 7 CFR 1940.564 - Section 502 subsidized guaranteed Rural Housing loans.

    Science.gov (United States)

    2010-01-01

    ... representing each criterion is multiplied by the weight factor and summed to arrive at a basic State factor (SF... 502 guaranteed RH loans is plus or minus 15. (e) Base allocation. See § 1940.552(e) of this subpart...

  17. 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

  18. 76 FR 53880 - Funds Availability for Section 514 Farm Labor Housing Loans and Section 516 Farm Labor Housing...

    Science.gov (United States)

    2011-08-30

    ...: Rural Housing Service, USDA. ACTION: Notice; correction. SUMMARY: This notice corrects the scoring... program's rating and verification systems. (2 points) Dated: August 23, 2011. Robert Lewis, Acting...

  19. 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.

  20. 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.

  1. 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

  2. 7 CFR 1940.565 - Section 502 subsidized Rural Housing loans.

    Science.gov (United States)

    2010-01-01

    ... need. The percentage representing each criterion is multiplied by the weight factor and summed to arrive at a basic State factor (SF) SF = (criterion 1 × weight of 25%) + (criterion 2 × weight of 10... subpart. The percentage range used for Section 502 subsidized RH loans is plus or minus 15. (e) Base...

  3. 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

  4. 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.

  5. Correlates of smoke-free housing policies and interest in implementing policies among multiunit housing owners in New York City.

    Science.gov (United States)

    Farley, Shannon M; Waddell, Elizabeth Needham; Coady, Micaela H; Grimshaw, Victoria; Wright, Danielle A; Mandel-Ricci, Jenna; Kansagra, Susan M

    2015-04-01

    Secondhand smoke exposure is a concern in multiunit housing, where smoke can migrate between apartments. In 2012, the New York City (NYC) Department of Health and Mental Hygiene conducted a cross-sectional mail and phone survey among a random sample of low-income and market-rate multiunit housing owners and managers in NYC. The study compared experiences and attitudes regarding smoke-free policies between owners/managers (owners) with and without low-income units. Logistic regression analysis was used to assess the correlates of smoke-free residential unit rules and interest in adopting new smoke-free rules. Perceived benefits and challenges of implementing smoke-free rules were also examined. Overall, one-third of owners prohibited smoking in individual units. Among owners, nearly one-third owned or managed buildings with designated certified low-income units. Owners with low-income units were less likely than those without to have a smoke-free unit policy (26 vs. 36 %, p smoke-free building policies (60 vs. 70 %, p smoke-free policies were more likely to have a smoke-free unit policy, while current smokers and owners of larger buildings were less likely to have a policy. Nearly three quarters of owners without smoke-free units were interested in prohibiting smoking in all of their building/units (73 %). Among owners, correlates of interest in prohibiting smoking included awareness that secondhand smoke is a health issue and knowledge of their legal rights to prohibit smoking in their buildings. Current smokers were less likely to be interested in future smoke-free policies. Educational programs promoting awareness of owners' legal right to adopt smoke-free policies in residential buildings may improve the availability of smoke-free multiunit housing.

  6. How different? Comparing housing policies and housing affordability consequences for low income households in Australia and the Netherlands

    NARCIS (Netherlands)

    Milligan, Vivienne Rae

    2003-01-01

    Much of the literature considering the historic development of housing systems has focussed on the factors contributing to similarities and differences in housing policies, rather than on questioning their significance to housing outcomes. This study suggests that fresh insights may be gained into

  7. 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...

  8. [MATCHE: Management Approach to Teaching Consumer and Homemaking Education.] Consumer Approach Strand: Housing. Module I-B-4: Shopping for a Home Loan.

    Science.gov (United States)

    California State Univ., Fresno. Dept. of Home Economics.

    This competency-based preservice home economics teacher education module on shopping for a home loan is the fourth in a set of six modules on consumer education related to housing. (This set is part of a larger series of sixty-seven modules on the Management Approach to Teaching Consumer and Homemaking Education [MATCHE]--see CE 019 901-967.)…

  9. 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.

  10. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... (DRM). The data reporting requirements under the Bank housing goals regulation are similar to existing data reporting requirements under the DRM, but the requirements are not identical. Specifically, the DRM provides that data that is required to be reported on a semi-annual basis must be submitted within...

  11. 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. 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…

  13. Default Risk and Private Student Loans: Implications for Higher Education Policies

    OpenAIRE

    Ionescu, Felicia; Simpson, Nicole B.

    2014-01-01

    The private market for student loans has become an important source of college financing in the United States. Unlike government student loans, the terms on student loans in the private market are based on credit status. We quantify the importance of the private market for student loans and of credit status for college investment in a general equilibrium heterogeneous life-cycle economy. We find that students with good credit status invest in more college education (compared to those with bad...

  14. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Science.gov (United States)

    2010-01-01

    ... loan size, complexity and risk exposure (b) The procedures to be followed in credit analysis (c) The minimum standards for loan disbursement, servicing and collections (d) Requirements for collateral and... debt from cashflow (2) That are appropriate for each loan program and the institution's risk-bearing...

  15. Embedding energy saving policies in the Dutch non-profit housing sector

    NARCIS (Netherlands)

    Nieboer, N.; Kroese, R.; Straub, A.

    2011-01-01

    Many studies on policy implementation have emphasized the difficulties of putting policies into practice. The paper presents several ways in which Dutch non-profit housing providers incorporate their energy saving policies in their ‘regular’ housing management regarding the existing stock, such as

  16. HIV/AIDS and Housing Policy Review in South Africa | Ndinda ...

    African Journals Online (AJOL)

    This article discusses policy issues around HIV/ AIDS, through a review of international and. South African literature on housing. The article identifi es gaps in the existing housing and other sectoral policies and makes suggestions on the possible policy options that can be devised to address the HIV/AIDS epidemic in South

  17. 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. ...

  18. 7 CFR 3550.52 - Loan purposes.

    Science.gov (United States)

    2010-01-01

    ... 502 funds may be used to buy, build, rehabilitate, improve, or relocate an eligible dwelling and... added to the loan amount in excess of the area loan limit and appraised value of the house. (e) Loan...

  19. 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

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

    African Journals Online (AJOL)

    Challenges of housing in terms of quality and quantity appear to be the same all over the world. The needy have less access to housing while the less needy have greater chances of accessing housing. In Nigeria, housing is generally inadequate in the rural areas in terms of quality, while the major problem in urban areas ...

  1. 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,

  2. 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,

  3. 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…

  4. 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...

  5. MONETARY, MACROPRUDENTIAL POLICIES AND HOUSING CYCLES: EXPLORING THE NEXUS IN TURKEY

    OpenAIRE

    Doğruel, Ali; Polat, Umurcan

    2018-01-01

    Given the pro-cyclicality of the financial cycles on the business cycles, it is ofimportance to analyze whether the use of the traditional monetary policy instruments along with the prudential responsibilities result in the prevention of unsustainable financial cycles e.g., housing cycles. Still, there is not enough empirical evidence regarding the exploration of the nexus between housing variables and monetary – macroprudential policy rules. Observing the developments in housing market in Tu...

  6. 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

  7. Housing experiences of refugees: Policy implications for South Africa

    African Journals Online (AJOL)

    This article discusses the housing experiences of refugees, both internationally and within a South African context, and introduces the assumption that the housing experiences of refugees in South Africa are different to those elsewhere. The article concludes that in as much as South Africa has its own housing crisis, this ...

  8. Assessing the Compliance of Balanced Housing Policy in the Philippines: The Case of Davao City

    Directory of Open Access Journals (Sweden)

    Dario G Pampanga

    2015-05-01

    Full Text Available The Philippines have suffered continuing setbacks to provide a steady stream of supply of housing needs to the homeless urban poor. The reformist policy through the balanced housing principle of the Urban Development and Housing Act, has augured well as a strategy to cope with the socialized housing demand brought by rapid urbanization. This paper seeks to assess the implementation of the balanced housing policy by the State and the private sector, particularly in Davao city; explore the mechanisms used to ensure compliance including the modalities; and provides policy recommendation for the efficient implementation and compliance with the policy. A structured interview was afforded to 32 housing developers and extensive interview of key informants on the senior staff of city’s Housing and Land Use Regulatory Unit, some members of the city legislative council, and the staff of the regional administrative office of the national government’s Housing and Land Use Regulatory Board. Although there was compliance by the private sector, the developers have tweaked the policy resulting in a considerable loss of housing units in Davao City due to the policy’s ambiguous application. The fragmented and the lack of collaboration between the city government and the Housing and Land Use Regulatory Board, have likewise caused a failure in the compliance and monitoring efforts, coupled with the city’s lack of knowledge on the policy’s implementing guidelines. Hence, the city government of Davao needs to approach the problem of growing urban homelessness with creativity and urgency to accelerate the production of socialized housing through the balanced housing development policy.

  9. 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.

  10. New Housing in the Municipal Land-Use Policy Context - Lodz Agglomeration Case Study

    Directory of Open Access Journals (Sweden)

    Katarzyna Milewska-Osiecka

    2015-01-01

    Full Text Available Local spatial policy in Poland is based on the obligatory document, which is a study of conditions and directions of spatial management. In this document, particular communities define land use forms according to specific functions. One of the fundamental functions, which appear in the study, is housing. Communities assign various, usually very big, percentage of their areas for housing. The research conducted by the author was aimed at answering the question: what is the connection between pro-housing policy in particular municipalities and the actual new housing investments? This problem was analysed on the example of communities in Łódź agglomeration.

  11. Energy Burden and the Need for Integrated Low-Income Housing and Energy Policy.

    Science.gov (United States)

    Hernández, Diana; Bird, Stephen

    2010-11-01

    Using detailed sociological and public health qualitative interview data, we demonstrate that energy poverty is more pervasive, and results in a greater energy burden for low-income tenants, than many policymakers would assume. This is due in part to a lack of funding, policy non-coordination, and a lack of understanding of the social and economic benefits of energy conservation, energy education, and flexible utility billing policies. Examining LIHEAP, weatherization, utility, and housing assistance policies, we suggest that a coordinated, regional approach to home energy and housing policy that integrates programs in each area will provide a more coherent policy solution.

  12. 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

  13. Dynamics of housing stock in Romania – between politics and policies

    Directory of Open Access Journals (Sweden)

    Daniel Vîrdol

    2015-11-01

    Full Text Available The dynamics of the housing stock is one of the indicators used to express the state of the economy. In post-Communist Romania, the dynamics of housing construction sector reflected the changing of the markets estate, economic and housing policies of the country. As well, new housing characteristics (type, size, location, construction materials etc. translate a paradigm shift of housing and/or social transformations of the meanings of housing, living environments, and residential areas. In this respect, the analysis of the dynamics of the housing stock in various morphological categories, legal or living environments at different territorial scales allows assessment of economic development disparities in Romania. Constructive practices of the past 25 years have evolved and diversified. The framework of the building sector, the categories of actors involved in the production or financing of housing multiplied, housing needs of the population have changed as well. The dynamic of real estate markets was strongly influenced by the dynamics of the housing stock. A geographical approach to the dynamics of housing stock in urban and rural areas of Romania will be drawn using regionalised statistics methods, correlated with institutional context analysis. The study aims to identify and analyse the main features of the dynamics of the housing stock in Romania, being privileged perspective and spatial components analysis regionally different types of housing. Also, analysis of the dynamics of the housing stock is correlated with the dynamics of the legal, urban planning and lending. The results of this study can be used to base the futures housing policy in Romania.

  14. Affordable Housing in transit-oriented developments : impacts on driving and policy approaches.

    Science.gov (United States)

    2017-04-01

    This paper studies the intersection of policies promoting affordable housing, transit-oriented developments (TODs), and the reduction of vehicle miles traveled (VMT) in metropolitan areas. In particular, this paper focuses on the following questions:...

  15. Racial Discrimination in Urban Housing Markets and Goals for Public Policy.

    Science.gov (United States)

    Kain, John F.

    The diverse effects of racial discrimination in urban housing markets are discussed in this paper. It also outlines a number of programs and policies that would ameliorate these effects in the short run and would help eradicate racial discrimination and segregation in the long run. The paper's emphasis reflects the opinion that housing market…

  16. 78 FR 33800 - Notice of Funding Availability: Section 515 Multi-Family Housing Preservation Revolving Loan Fund...

    Science.gov (United States)

    2013-06-05

    ... rents; (E) Post transaction basic rents will not exceed comparable market rents; and (F) Any equity loan... employees of the intermediary's organization or contract personnel hired for this purpose. If the personnel... Development employee and intermediary. After 3 years, these funds shall be commingled with the PRLF to provide...

  17. 77 FR 42754 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-07-20

    ... adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department of... issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the... interest rate will be the rate borne by debentures issued with respect to any insured loan or mortgage...

  18. 78 FR 4427 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-01-22

    ... Securities adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department... debentures issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the..., 2013. This interest rate will be the rate borne by debentures issued with respect to any insured loan...

  19. 77 FR 4359 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2012-01-27

    ... Securities adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department... to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the commitment.... This interest rate will be the rate borne by debentures issued with respect to any insured loan or...

  20. 76 FR 4127 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-01-24

    ... Securities adjusted to a constant maturity of 10 years. ] FOR FURTHER INFORMATION CONTACT: Yong Sun... to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the commitment... interest rate will be the rate borne by debentures issued with respect to any insured loan or mortgage...

  1. 78 FR 44580 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2013-07-24

    ... adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department of... issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the... interest rate will be the rate borne by debentures issued with respect to any insured loan or mortgage...

  2. 76 FR 47225 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2011-08-04

    ... adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department of... issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the date the... interest rate will be the rate borne by debentures issued with respect to any insured loan or mortgage...

  3. 75 FR 5339 - Mortgage and Loan Insurance Programs Under the National Housing Act-Debenture Interest Rates

    Science.gov (United States)

    2010-02-02

    ... Securities adjusted to a constant maturity of 10 years. FOR FURTHER INFORMATION CONTACT: Yong Sun, Department... debentures issued pursuant to section 221(g)(4) of the Act) will bear interest at the rate in effect on the..., 2010. This interest rate will be the rate borne by debentures issued with respect to any insured loan...

  4. 76 FR 52305 - Notice of Funding Availability: Section 515 Multi-Family Housing Preservation Revolving Loan Fund...

    Science.gov (United States)

    2011-08-22

    ... multiplied by the DSCR to the EBIT derived from the applicants consolidated income statement. For example, if... program to provide revolving loans for the preservation and revitalization of low-income Multi-Family... recipients for the preservation and revitalization of low income Sections 515, 514 and 516 MFH as affordable...

  5. 7 CFR 1955.2 - Policy.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) PROPERTY MANAGEMENT Liquidation of Loans Secured by Real Estate and Acquisition of Real and Chattel Property § 1955.2 Policy. When it has been determined in accordance with applicable... sale of the property by the borrower (except for Multiple Family Housing (MFH) loans subject to...

  6. 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...... housing adaptations. The other app was developed for senior citizens to raise their awareness of possible accessibility problems in their current dwelling and in other apartments within the available housing stock. Both apps were developed with a high degree of active user involvement in processes...... utilizing multiple state of the art methods. The results are two well accepted prototype apps perceived as user-friendly and appropriate for the intended user groups. By combining these two apps, our ambition is for the professional raters to benefit by gaining knowledge of their clients' perceived needs...

  7. 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.

  8. 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.

  9. 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…

  10. Correction to: Smoking Policy Change Within Permanent Supportive Housing.

    Science.gov (United States)

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

    2018-04-07

    The original version of this article unfortunately contains mistakes. 1. On page 315, in the last sentence under the "Tobacco Use" subheading, the percentage should read "59.3%" rather than "55.6%". 2. On page 315, in the last sentence under the "Secondhand Smoke Exposure" subheading, the percentage "28.2%" should read "28.6%". 3. The presentation of "Post-policy" and "Pre-policy" terms in the Figs. 1 and 3 were incorrect. It should be read as: Figure 1: Pre-policy (n = 27); Post-policy (n = 16). Figure 3: Pre-policy (n = 55); Post-policy (n = 42). The corrected Figs. 1 and 3 are given below.

  11. House, Senate bills introduced to repeal NRC's BRC policy. [Below Regulatory Concern

    Energy Technology Data Exchange (ETDEWEB)

    Yates, M.

    1990-09-13

    This article reports on House and Senate response to the NRC's policy statement that would permit the deregulation of radioactive waste deemed below regulatory concern (BRC). Legislation has been introduced that would prevent the NRC from implementing the policy. The Environmental Protection Agency, and environmental and antinuclear activists support the legislation.

  12. Housing restitution policies among post-socialist countries: explaining divergence.

    Czech Academy of Sciences Publication Activity Database

    Lux, Martin; Cirman, A.; Sunega, Petr

    2017-01-01

    Roč. 17, č. 1 (2017), s. 145-156 ISSN 1461-6718 R&D Projects: GA ČR GA16-06335S Institutional support: RVO:68378025 Keywords : housing privatisation * property restitution * post-socialist countries Subject RIV: AO - Sociology, Demography OBOR OECD: Sociology

  13. 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

  14. 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.

  15. Regional Policies For Social Housing. An experience in Regione Calabria

    Directory of Open Access Journals (Sweden)

    Corrado Trombetta

    2012-10-01

    Full Text Available Social housing is again a dynamic sector of construction. European «cohesion» and «convergence» programs aim to promote Mediterranean housing in order to improve competitiveness, innovation and employment in under-developed regions. The whole SH planning and implementing process implies criticalities that often damage local initiatives. This study of the Calabria Case has pointed out that both public and private entrepreneurs perceive the cumbersome requirements and procedures as ‘unfriendly’ and tend to renounce the incentives. Process management information instruments together with simpler evaluation and certification systems seem to encourage suitable and flexible solutions, reliable results as well as transparency and quality of action.

  16. 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.

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

    African Journals Online (AJOL)

    BlignautAS

    perienced within a particular residential, physical and social environment. This includes satisfaction with the specific housing attributes, as well as with the basic services provided (cf. Mehlomakulu & Marais, 1999). The concept of incremental housing presupposes an ongoing improvement to the existing house and/or.

  18. 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.

  19. 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.

  20. 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...

  1. Low-income housing policy and socioeconomic inequalities in women's health: the importance of nursing inquiry and intervention.

    Science.gov (United States)

    Welch, Dinah; Kneipp, Shawn

    2005-11-01

    Decent, affordable housing is the building block of healthy neighborhoods. Housing characteristics not only shape the quality of life in communities but also affect individual and family health. The structural and social aspects of housing have a significant impact on the health of individuals and populations. Early public health nursing pioneers such as Lillian Wald and Jane E. Hitchcock understood the adverse impact of substandard housing on population health and incorporated advocacy for housing and other social policy reforms as an integral aspect of their nursing interventions. Contemporary nursing literature, however, is lacking in its critical examination of relationships between housing and health. This article presents historical and current issues in low-income housing policy, discusses how low-income housing policy has contributed to social inequalities in health, and advocates for the importance and inherent value of nursing inquiry and intervention in this area.

  2. 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.

  3. 75 FR 8239 - Federal Home Loan Bank Housing Associates, Core Mission Activities and Standby Letters of Credit

    Science.gov (United States)

    2010-02-24

    .... The Banks continue to operate under regulations promulgated by the Finance Board until such time as... The final regulation relocates rules addressing Bank housing associates from part 926 of the Finance Board regulations to part 1263 of the FHFA regulations; the Banks' core mission activities from part 940...

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

    African Journals Online (AJOL)

    BlignautAS

    household; head of the household; low-income house- holds, satisfaction; and incremental housing. The term “gender” encompasses the socially defined sexual roles, attitudes and values that communities and societies consider to be appropriate for men and women (Abercrombie et al., 2000:149). Therefore, the gender of ...

  5. 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…

  6. 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,

  7. Poles Apart? A Comparative Study of Housing Policies and Outcomes in Portugal and Denmark

    DEFF Research Database (Denmark)

    Alves, Sonia

    2017-01-01

    Remarkable differences in housing policies and dominant forms of tenure can be observed across countries. To what extent are these differences dictated by major vested interests, and explained by ideology in the context of broader political and socio-economic circumstances? Assuming that the comp...

  8. 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)

  9. 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

  10. 78 FR 55091 - Fair Housing Initiatives Program-Fiscal Year 2013 Application and Award Policies and Procedures...

    Science.gov (United States)

    2013-09-09

    ... on the Applications and Awards Procedures and Policies (AAPP) Guide, which can be found at: http... URBAN DEVELOPMENT Fair Housing Initiatives Program--Fiscal Year 2013 Application and Award Policies and Procedures--Solicitation of Comment AGENCY: Office of the Assistant Secretary for Fair Housing and Equal...

  11. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... LIHTC 57 77 232 NC/SR--Assisted Living Facilities with 45 45 LIHTC 232/223(f) Refinance for Health Care... Housing Tax Credit Loans, other affordable housing loans for HUD-assisted properties, or loans insured... Low Income Housing Tax Credits, other affordable housing loans for HUD-assisted properties, or loans...

  12. 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.

  13. 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…

  14. 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.

  15. Do No-Loan Policies Change the Matriculation Patterns of Low-Income Students?

    Science.gov (United States)

    Waddell, Glen R.; Singell, Larry D., Jr.

    2011-01-01

    We examine whether there is discernable variation in the matriculation patterns of low-income students at public flagship institutions around changes in institutional financial-aid policies that target resident, low-income students with need-based aid. Overall, our results suggests that need is not being met on the extensive margin and that…

  16. 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

  17. 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.

  18. 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.

  19. A qualitative evaluation of 40 voluntary, smoke-free, multiunit, housing policy campaigns in California.

    Science.gov (United States)

    Satterlund, Travis D; Treiber, Jeanette; Kipke, Robin; Cassady, Diana

    2014-11-01

    Although it is legal for multiunit housing (MUH) property owners in all 50 states to prohibit smoking on their premises, including in individual units, MUH constitutes a relatively new setting to reduce exposure to secondhand smoke via voluntary smoke-free policy. This paper examines California state-funded smoke-free MUH policy campaigns between 2004 and 2010. A cross-case analysis of 40 state-funded smoke-free MUH policy campaigns was conducted via an examination of final evaluation reports submitted to the California Tobacco Control Program. The most effective voluntary smoke-free MUH policy campaigns typically included: (1) learning the local [MUH] context, (2) finding and using a champion, (3) partnering with like-minded organisations, (4) building relationships with stakeholders, (5) collecting and using local data and (6) making a compelling case to decision makers. The aforementioned steps tended to be intertwined, and successfully securing voluntary smoke-free MUH policy required a strategic but flexible plan of implementation prior to entrance into the field. Campaigns designed to enhance voluntary smoke-free MUH policy adoption should underscore the economic viability of such policies during each strategic step. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.

  20. 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. 

  1. 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.

  2. 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

    ... security instrument (see § 120.550 for Homestead Protection for Farmers). (1) Competitive bids or... financial assistance have no rights of contribution against SBA on an SBA guaranteed or direct loan. SBA is...

  3. Linking public health, housing, and indoor environmental policy: successes and challenges at local and federal agencies in the United States.

    Science.gov (United States)

    Jacobs, David E; Kelly, Tom; Sobolewski, John

    2007-06-01

    We describe the successes and challenges faced by federal and local government agencies in the United States as they have attempted in recent years to connect public and environmental health, housing, community development, and building design with environmental, housing, and building laws, codes, and policies. These policies can either contribute to or adversely affect human physical and mental health, with important implications for economic viability, research, policy development, and overall social stability and progress. Policy impediments include tension between housing affordability and health investment that causes inefficient cost-shifting, privacy issues, unclear statutory authority, and resulting gaps in responsibility for housing, indoor air, and the built environment. We contrast this with other environmental frameworks such as ambient air and water quality statutes where the concept of "shared commons" and the "polluter pays" is more robust. The U.S. experiences in childhood lead poisoning prevention, indoor air, and mold provide useful policy insights. Local programs can effectively build healthy homes capacity through local laws and housing codes. The experience of coordinating remediation for mold, asthma triggers, weatherization, and other healthy housing improvements in Cuyahoga County, Ohio, is highlighted. The U.S. experience shows that policymakers should adopt a prevention-oriented, comprehensive multi-disciplinary approach at all levels of government to prevent unhealthy buildings, houses, and communities.

  4. 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

  5. 34 CFR 674.34 - Deferment of repayment-Federal Perkins loans, NDSLs and Defense loans.

    Science.gov (United States)

    2010-07-01

    ... may defer making a scheduled installment repayment on a Federal Perkins loan, an NDSL, or a Defense loan, regardless of contrary provisions of the borrower's promissory note and regardless of the date... money, gifts, loans, housing, food, clothes, car, medical and dental care, and payment of college costs...

  6. 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.

  7. Mapping urban revitalization: using GIS spatial analysis to evaluate a new housing policy.

    Science.gov (United States)

    Perkins, Douglas D; Larsen, Courtney; Brown, Barbara B

    2009-01-01

    This longitudinal, multimethod study uses geographical information system (GIS) software to evaluate the community-wide impact of a neighborhood revitalization project. Unsystematic visual examination and analysis of GIS maps are offered as a complementary tool to quantitative analysis and one that is much more compelling, meaningful, and effective in presentation to community and nonscientific professional audiences. The centerpiece of the intervention was the development of a new, middle-class housing subdivision in an area that was declining physically and economically. This represents three major urban/housing policy directions: (1) the emphasis on home ownership for working-class families, (2) the deconcentration of poverty through development of mixed-income neighborhoods, and (3) the clean up and redevelopment of contaminated, former industrial brownfields. Resident survey responses, objective environmental assessment observations, and building permit data were collected, geocoded at the address level, and aggregated to the block level on 60 street blocks in the older neighborhoods surrounding the new housing in two waves: during site clearing and housing construction (Time 1: 1993-95) and three years post-completion (Time 2: 1998-99). Variables mapped include (a) Time 1-2 change in self-reported home repairs and improvements, (b) change in the assessed physical condition of yards and exteriors of 925 individual residential properties, (c) change in residents' home pride, and (d) a city archive of building permits at Time 2. Physical conditions improved overall in the neighborhood, but spatial analysis of the maps suggest that the spillover effects, if any, of the new housing were geographically limited and included unintended negative psychological consequences. Results argue for greater use of GIS and the street block level in community research and of psychological and behavioral variables in planning research and decisions.

  8. Secondhand smoke exposure among Hispanics/Latinos living in multiunit housing: exploring barriers to new policies.

    Science.gov (United States)

    Baezconde-Garbanati, Lourdes A; Weich-Reushé, Kimberly; Espinoza, Lilia; Portugal, Cecilia; Barahona, Rosa; Garbanati, James; Seedat, Faatima; Unger, Jennifer B

    2011-01-01

    Despite a high prevalence of voluntary home smoking bans and laws protecting Californians from exposure to secondhand smoke (SHS) in the workplace, many Hispanic/Latino (H/L) residents of multiunit housing (MUH) are potentially exposed to SHS from neighboring apartments. An advocacy/policy intervention was implemented to reduce tobacco-related health disparities by encouraging H/L living in MUH to implement voluntary policies that reduce exposure to SHS. This article presents findings from qualitative and quantitative data collected during development of the intervention, as well as preliminary results of the intervention. MUH residents in Southern California participated in focus groups (n = 48), door-to-door surveys (n = 142), and a telephone survey (n = 409). Exposure to SHS, attitudes toward SHS, and attitudes toward policies restricting SHS in MUH were assessed. H/L MUH residents reported high levels of exposure to SHS and little ability to protect themselves and their families from SHS. Respondents expressed positive attitudes toward adopting antismoking policies in MUH, but they also feared retaliation by smokers. The cultural values of familismo, respeto, simpatía, and personalismo influenced their motivation to protect their families from SHS as well as their reluctance to ask their neighbors to refrain from smoking. Nonsmokers were more likely to favor complete indoor and outdoor smoking bans in MUH, whereas smokers were more likely to favor separate smoking areas. The Regale Salud advocacy/policy intervention, implemented to reduce SHS exposure, prompted the passage of seven voluntary policies in apartment complexes in Southern California to prevent smoking in MUH. H/L in California support voluntary policies, local ordinances, and state laws that prevent exposure to SHS in MUH, especially those that are consistent with H/L cultural values and norms for interpersonal communication.

  9. 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.

  10. 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.

  11. Towards Sustainable Housing Solutions for the Low/Moderate Income Group in Ghana: Policy Change or Design Innovation?

    OpenAIRE

    Stephen Agyefi-Mensah; Jouke M. Post; Egmond de Wilde De Ligny; Emelia L.C. van; Massi Mohammadi; Edward Badu

    2011-01-01

    The Government of Ghana since independence has tried various strategies in a bid to provide adequate, quality and affordable housing for citizens. This has involved different policies from direct intervention to current contemplation towards self-help mechanisms. The past results have however, been mixed if not a failure. The housing problem therefore continues to increase overwhelmingly, both in quantity and quality, and particularly for the low/moderate income group. The critical question i...

  12. 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)

  13. Advantages and Disadvantages of Student Loans Repayment Patterns

    Science.gov (United States)

    Shen, Hua

    2010-01-01

    It is a difficulty problem to choice repayment patterns of student loan. "Conventional mortgage-type loan" and "Income contingent loan" has been performed in many countries. These loan repayment manners have their own characteristics. In this paper, we discuss their advantages and disadvantages, and would provide policy choice…

  14. 7 CFR 3560.63 - Loan limits.

    Science.gov (United States)

    2010-01-01

    ... tax credits, must make an equity contribution from their own resources. (1) Loan applicants who will receive benefits from the low-income housing tax credit program must make an equity contribution in the...-income housing tax credit program, the amount of Agency financing for the housing will not exceed 95...

  15. 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.

  16. 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.

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

    Science.gov (United States)

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

    2016-01-01

    Introduction 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. Methods 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. Results 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. Conclusion 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. PMID:27763830

  18. 5 CFR 1655.20 - Residential loans.

    Science.gov (United States)

    2010-01-01

    ...'s primary residence is his or her principal residence. A primary residence may include a house, a... residence. A residential loan will not be made for a lease-to-buy option, unless the option to buy is being...

  19. 7 CFR 1980.311 - Loan limitations and special provisions.

    Science.gov (United States)

    2010-01-01

    ... limited to 90 percent of the present market value. (c) Subdivisions. Housing units may be financed in... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan limitations and special provisions. 1980.311... Loan limitations and special provisions. (a) Prohibited loan purposes. Conditional commitments will not...

  20. 77 FR 60712 - Request for Information on Adopting Smoke-Free Policies in PHAs and Multifamily Housing

    Science.gov (United States)

    2012-10-04

    ... report of the harmful effects associated with exposure to secondhand smoke and other resources helpful... number one cause of preventable disease in the United States and that secondhand smoke, also known as... Adopting Smoke-Free Policies in PHAs and Multifamily Housing AGENCY: Office of the Assistant Secretary for...

  1. 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

  2. Land use planning and wildfire: development policies influence future probability of housing loss.

    Directory of Open Access Journals (Sweden)

    Alexandra D Syphard

    Full Text Available Increasing numbers of homes are being destroyed by wildfire in the wildland-urban interface. With projections of climate change and housing growth potentially exacerbating the threat of wildfire to homes and property, effective fire-risk reduction alternatives are needed as part of a comprehensive fire management plan. Land use planning represents a shift in traditional thinking from trying to eliminate wildfires, or even increasing resilience to them, toward avoiding exposure to them through the informed placement of new residential structures. For land use planning to be effective, it needs to be based on solid understanding of where and how to locate and arrange new homes. We simulated three scenarios of future residential development and projected landscape-level wildfire risk to residential structures in a rapidly urbanizing, fire-prone region in southern California. We based all future development on an econometric subdivision model, but we varied the emphasis of subdivision decision-making based on three broad and common growth types: infill, expansion, and leapfrog. Simulation results showed that decision-making based on these growth types, when applied locally for subdivision of individual parcels, produced substantial landscape-level differences in pattern, location, and extent of development. These differences in development, in turn, affected the area and proportion of structures at risk from burning in wildfires. Scenarios with lower housing density and larger numbers of small, isolated clusters of development, i.e., resulting from leapfrog development, were generally predicted to have the highest predicted fire risk to the largest proportion of structures in the study area, and infill development was predicted to have the lowest risk. These results suggest that land use planning should be considered an important component to fire risk management and that consistently applied policies based on residential pattern may provide

  3. Land use planning and wildfire: development policies influence future probability of housing loss

    Science.gov (United States)

    Syphard, Alexandra D.; Massada, Avi Bar; Butsic, Van; Keeley, Jon E.

    2013-01-01

    Increasing numbers of homes are being destroyed by wildfire in the wildland-urban interface. With projections of climate change and housing growth potentially exacerbating the threat of wildfire to homes and property, effective fire-risk reduction alternatives are needed as part of a comprehensive fire management plan. Land use planning represents a shift in traditional thinking from trying to eliminate wildfires, or even increasing resilience to them, toward avoiding exposure to them through the informed placement of new residential structures. For land use planning to be effective, it needs to be based on solid understanding of where and how to locate and arrange new homes. We simulated three scenarios of future residential development and projected landscape-level wildfire risk to residential structures in a rapidly urbanizing, fire-prone region in southern California. We based all future development on an econometric subdivision model, but we varied the emphasis of subdivision decision-making based on three broad and common growth types: infill, expansion, and leapfrog. Simulation results showed that decision-making based on these growth types, when applied locally for subdivision of individual parcels, produced substantial landscape-level differences in pattern, location, and extent of development. These differences in development, in turn, affected the area and proportion of structures at risk from burning in wildfires. Scenarios with lower housing density and larger numbers of small, isolated clusters of development, i.e., resulting from leapfrog development, were generally predicted to have the highest predicted fire risk to the largest proportion of structures in the study area, and infill development was predicted to have the lowest risk. These results suggest that land use planning should be considered an important component to fire risk management and that consistently applied policies based on residential pattern may provide substantial benefits for

  4. Land use planning and wildfire: development policies influence future probability of housing loss.

    Science.gov (United States)

    Syphard, Alexandra D; Bar Massada, Avi; Butsic, Van; Keeley, Jon E

    2013-01-01

    Increasing numbers of homes are being destroyed by wildfire in the wildland-urban interface. With projections of climate change and housing growth potentially exacerbating the threat of wildfire to homes and property, effective fire-risk reduction alternatives are needed as part of a comprehensive fire management plan. Land use planning represents a shift in traditional thinking from trying to eliminate wildfires, or even increasing resilience to them, toward avoiding exposure to them through the informed placement of new residential structures. For land use planning to be effective, it needs to be based on solid understanding of where and how to locate and arrange new homes. We simulated three scenarios of future residential development and projected landscape-level wildfire risk to residential structures in a rapidly urbanizing, fire-prone region in southern California. We based all future development on an econometric subdivision model, but we varied the emphasis of subdivision decision-making based on three broad and common growth types: infill, expansion, and leapfrog. Simulation results showed that decision-making based on these growth types, when applied locally for subdivision of individual parcels, produced substantial landscape-level differences in pattern, location, and extent of development. These differences in development, in turn, affected the area and proportion of structures at risk from burning in wildfires. Scenarios with lower housing density and larger numbers of small, isolated clusters of development, i.e., resulting from leapfrog development, were generally predicted to have the highest predicted fire risk to the largest proportion of structures in the study area, and infill development was predicted to have the lowest risk. These results suggest that land use planning should be considered an important component to fire risk management and that consistently applied policies based on residential pattern may provide substantial benefits for

  5. 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...

  6. 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...

  7. Private Student Loans. Report to the Senate Committee on Banking, Housing, and Urban Affairs, the Senate Committee on Health, Education, Labor, and Pensions, the House of Representatives Committee on Financial Services, and the House of Representatives Committee on Education and the Workforce

    Science.gov (United States)

    Consumer Financial Protection Bureau, 2012

    2012-01-01

    American consumers owe more than $150 billion in outstanding private student loan debt. While this amount is significantly less than the amount outstanding on student loans guaranteed by the federal government, the private student loan ("PSL") product is an important component of higher education finance and does not appear to be well…

  8. 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

  9. 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...

  10. Learning to lend for off-grid solar power: policy lessons from World Bank loans to India, Indonesia, and Sri Lanka

    Energy Technology Data Exchange (ETDEWEB)

    Miller, Damian; Hope, Chris [Cambridge Univ., Judge Inst. of Management Studies, Cambridge (United Kingdom)

    2000-02-01

    The World Bank has sought to advance the diffusion of solar photovoltaic (PV) technology for off-grid applications in the developing world. As these systems are fundamentally different to centralised power stations and conventional rural electrification, the World Bank has been learning how best to lend for such technology. This study seeks to highlight the lessons learnt from the World Bank's first loans for off-grid PV to India, Indonesia, and Sri Lanka. It uses lifetime cost analysis to justify continued intervention in this sector, and it draws on theories of innovation diffusion to guide analysis and ultimately policy recommendations. Because of the special role of entrepreneurial start up companies in the rural PV sector, the paper also uses a company cash flow model to demonstrate the efficacy of various supply-side policies. Finally, the study concludes with a checklist of policy lessons and a consideration of the role of the International Finance Corporation in this sector. (Author)

  11. Building Energy Consumption Pattern Analysis of Detached Housing for the Policy Decision Simulator

    Science.gov (United States)

    Lim, Jiyoun; Lee, Seung-Eon

    2018-03-01

    The Korean government announced its plan to raise the previous reduction goal of greenhouse gas emission from buildings by 26.9% until 2020 on July 2015. Therefore, policies regarding efficiency in the building energy are implemented fast, but the level of building owners and market understanding is low in general, and the government service system which supports decision making for implementing low-energy buildings has not been provided yet. The purpose of this study is to present the design direction for establishing user customized building energy database to perform a role to provide autonomous ecosystem of low-energy buildings. In order to reduce energy consumption in buildings, it is necessary to carry out the energy performance analysis based on the characteristics of target building. By analysing about 20-thousand cases of the amount of housing energy consumption in Korea, this study suggested the real energy consumption pattern by building types. Also, the energy performance of a building could be determined by energy consumption, but previous building energy consumption analysis programs required expert knowledge and experience in program usage, so it was difficult for normal building users to use such programs. Therefore, a measure to provide proper default using the level of data which general users with no expert knowledge regarding building energy could enter easily was suggested in this study.

  12. Student loan debt and economic outcomes

    OpenAIRE

    Cooper, Daniel H.; Wang, J. Christina

    2014-01-01

    This policy brief examines the impact of student loan debt on individuals' homeownership status and wealth accumulation, employing a rich set of financial and demographic variables that are not available in many of the existing studies that use credit bureau data. It is important to understand whether and, if so, how student loan debt affects households' economic decisions because student loan debt has now surpassed credit card debt to become the second largest amount of household debt outsta...

  13. 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...

  14. 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.

  15. 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

  16. Estimating Loan-to-value Distributions

    DEFF Research Database (Denmark)

    Korteweg, Arthur; Sørensen, Morten

    2016-01-01

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

  17. Why housing?

    Science.gov (United States)

    Aidala, Angela A; Sumartojo, Esther

    2007-11-01

    Housing/lack of housing and HIV are powerfully linked. Housing occupies an important place in the causal chains linking poverty and inequality, and HIV risk and outcomes of infection. The articles in this Special Supplement of AIDS and Behavior confirm the impact of homelessness, and poor or unstable housing, on HIV/AIDS, and challenge scientists to test and policy makers to implement the promise of housing as an innovative response to the epidemic. In order to influence the development of policies on housing to benefit at-risk or HIV-infected persons, however, proponents must justify why this association exists, and how housing can help end the epidemic as well as improve the care and health of persons living with HIV/AIDS. We introduce this supplement with a discussion of the "why" question.

  18. Shortsighted Tax Policy: Senate and House Tax Reform Bills Would Increase Burdens on Universities and Students

    Science.gov (United States)

    Morris, Matthew A.

    2017-01-01

    If there is one area of common ground between the Republican leadership in the U.S. Senate and House of Representatives, it is that the time has finally come for those entities that are not currently paying their fair share of taxes to step forward and be held accountable. Both the Senate and House tax reform bills propose that these…

  19. TENLAW: Tenancy Law and Housing Policy in Multi-level Europe - National Report for Denmark

    DEFF Research Database (Denmark)

    Juul-Sandberg, Jakob

    2014-01-01

    Report on Danish Tenancy Law in a general housing law context. Based on a quiestionaire from Universität Bremen. The project is financed by EU Seventh Framework Programme.......Report on Danish Tenancy Law in a general housing law context. Based on a quiestionaire from Universität Bremen. The project is financed by EU Seventh Framework Programme....

  20. The study of residential life support environment system to initiate policy on sustainable simple housing

    Science.gov (United States)

    Siahaan, N. M.; Harahap, A. S.; Nababan, E.; Siahaan, E.

    2018-02-01

    This study aims to initiate sustainable simple housing system based on low CO2 emissions at Griya Martubung I Housing Medan, Indonesia. Since it was built in 1995, between 2007 until 2016 approximately 89 percent of houses have been doing various home renewal such as restoration, renovation, or reconstruction. Qualitative research conducted in order to obtain insights into the behavior of complex relationship between various components of residential life support environment that relates to CO2 emissions. Each component is studied by conducting in-depth interviews, observation of the 128 residents. The study used Likert Scale to measure residents’ perception about components. The study concludes with a synthesis describing principles for a sustainable simple housing standard that recognizes the whole characteristics of components. This study offers a means for initiating the practice of sustainable simple housing developments and efforts to manage growth and preserve the environment without violating social, economics, and ecology.

  1. Social Policy Trends- Housing Affordability for Families with Low Incomes Across Canada

    Directory of Open Access Journals (Sweden)

    Margarita (Gres Wilkins

    2017-06-01

    Full Text Available HOUSING AFFORDABILITY FOR FAMILIES WITH LOW INCOMES ACROSS CANADA Percentage of income devoted to paying lowest-priced rent in a city, by low-income family type, select years, 1990-2015 Much public attention has been directed towards the issue of a Canada-wide housing crisis. The focus has typically been on the cost of housing for an average income Canadian family. Less attention has been paid to families with incomes much lower than those of the average Canadian household, for which the housing crisis is far more severe. Households and individuals with particularly low incomes are at the highest risk of experiencing the worst effects of a lack of housing affordability, including homelessness.

  2. 12 CFR 723.20 - How can a state supervisory authority develop and enforce a member business loan regulation?

    Science.gov (United States)

    2010-01-01

    ... state regulation minimizes the risk and accomplishes the overall objectives of NCUA's member business... member business loan; (2) Loan to one borrower limits; (3) Written loan policies; (4) Collateral and...

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

    OpenAIRE

    Guin, Benjamin; Brown, Martin

    2015-01-01

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

  4. 13 CFR 120.881 - Ineligible Projects for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... workforce of a relocating small business or a substantial increase in unemployment in any area of the... crucial to the continued existence, economic wellbeing, and/or competitiveness of the applicant; and (2...

  5. What are the right land supply policies for housing in the Geneva trans-frontier conurbation?

    Directory of Open Access Journals (Sweden)

    Michèle Tranda-Pittion

    2010-09-01

    Full Text Available For decades the trans-frontier conurbation of Geneva has suffered from a recurring housing shortage, and the supply of land has been clearly recognized by local professionals as one of the main factors in a resolution of this problem. The cross-boundary nature of the study area presents a dual interest. On the one hand, the three existing political and administrative systems constitute a relatively diverse range of situations and the complexity of the context - one conurbation, 220 communes, but three states (France, Canton Geneva and Canton Vaud has led some stakeholders to consider it as a laboratory for experiments in terms of working methods with consultations and research conducted in parallel with the application of different operational approaches. The work discussed concludes by noting some key points that could help integrate land supply into the processes of urban production and with other factors that affect feasibility; its careful coordination with other relevant public policies; the establishment of time frames relevant to different stages of implementation and an approach that connects land policies, urban planning and infrastructure provision within a framework resulting in financial feasibility.L’agglomération transfrontalière de Genève souffre d’un déficit de logements récurrent depuis des décennies, et le foncier a clairement été reconnu par les acteurs professionnels locaux comme l’une des conditions essentielles de la résolution de cette situation de pénurie. Le caractère transfrontalier de ce territoire d’étude présente en outre un double intérêt. D’une part, les trois systèmes politico-administratifs en présence constituent un panel de situations relativement diversifiées, et la complexité de la situation – une agglomération, 220 communes mais 3 Etats – a poussé certains des acteurs en présence à considérer cette entité comme un laboratoire d’expérimentations, du point de vue des m

  6. 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

  7. The Influence of Macroeconomic Trends on the Repayment of Loans by Households: Evidence from the Federation of Bosnia and Herzegovina and Policy Reccomendations

    Directory of Open Access Journals (Sweden)

    Pašić Sanela

    2016-04-01

    Full Text Available This paper explores the influence of macroeconomic indicators, namely GDP growth, the Consumer Price Index and the unemployment rate on the quality of loan repayments by households in the banking market of the Federation of Bosnia and Herzegovina. Potential influence is observed over a period of fourteen years at the level of nonperforming household loans using regression analysis. The authors aim to determine whether macroeconomic forces actually influence loan repayment, and if so how and what can be done by banks to utilize this information in order to reduce future credit losses, and by the government to maintain the stability of the banking sector.

  8. 12 CFR 614.4231 - Certain seasonal commodity loans to cooperatives.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Certain seasonal commodity loans to... POLICIES AND OPERATIONS Loan Terms and Conditions § 614.4231 Certain seasonal commodity loans to cooperatives. Loans on certain commodities that are part of government programs shall comply with the criteria...

  9. 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…

  10. The Costs of Segregation and Discrimination. Policy Research Agenda on Fair Housing for HUD.

    Science.gov (United States)

    Galster, George C.

    Racial discrimination and racial segregation resulting from discrimination have an effect upon life in central cities. In central cities the costs of retail business and of housing are often higher than elsewhere. Minority group populations, concentrated in ghettos of central cities, are subect to limited job opportunities. The results of racial…

  11. Living in Assets Without Limits : Towards New Principles for Policies on Housing

    NARCIS (Netherlands)

    Elsinga, M.G.

    2017-01-01

    Piketty (2014 Piketty, T. 2014. Capital in the Twenty-First Century. Cambridge, MA: Belknap Press of Harvard University.10.4159/9780674369542[CrossRef], [Google Scholar]) wrote a thought provoking book on capital, how it evolved over the decades and the role of housing in it. Maclennan and Miao

  12. 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)

  13. Social Housing Policies and Best Practice Review for Retrofit Action - Case Studies from Parma (IT)

    Science.gov (United States)

    Gherri, Barbara; Cavagliano, Chiara; Orsi, Samuele

    2017-10-01

    The paper aims at investigating the most suitable Energy Saving Measures -ESMs- for the retrofitting of Social Housing Stock -SHS- in Europe. A global awareness has been increasing, as well as education and training among architects and building sectors employees, in order to identify tailored financing schemes and advanced integrated retrofitting solutions. Several European financed programmes have been tested so far and the results are here summarized and deeply investigated in order to increase the energy performance of social housing buildings, to improve knowledge of problems associated with the retrofitting of these households, in order to provide the most appropriate solutions to be applied. Afterward, the best practices selected have been applied to some study cases in Italy, to demonstrate that the large variety of SH programmes in Europe can seriously be used, promoting the best practises’ application. A lot of theoretical and analytical work has been carried out by many European projects in the last decade, defining different approaches according to typologies of social housing buildings, focusing on national or regional regulation, on existing typologies and building techniques, on retrofitting solutions, on energy saving strategies and other managing approaches and energy saving devices. Due to the high participation of social housing organisations -SHO- and related European financed programmes, this academic research is focused on the most effective ESMs in order to encompass a large variety of needs and related solutions, even though some of them are still on course and other ones have already been completed. This research clearly demonstrates the valuable contribution these kinds of programme have in exchanging and sharing of knowledge and experience in the field of retrofit of Social Housing building across Europe, in order to primary improve the energy performance of the existing building stock and the quality of life of their inhabitants.

  14. Consumer Loans in Cambodia: Implications on Banking Stability

    OpenAIRE

    Meng, Channarith

    2014-01-01

    This paper analyzes the fast development of consumer loans including housing loans in Cambodia to check whether or not such a development posts any stability risk to banking system in Cambodia. Using stress-testing method, the paper finds that current level of consumer loans provided by banks does yet creates a big threat to the banking stability in Cambodia. Rather, the surge reflects consequences of positive development in the banking system and economy as a whole, including the rise of mid...

  15. 76 FR 18366 - Federal Home Loan Bank Liabilities

    Science.gov (United States)

    2011-04-04

    ... combines 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...

  16. 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...

  17. 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…

  18. 76 FR 70069 - Federal Home Loan Bank Community Support Amendments

    Science.gov (United States)

    2011-11-10

    ... importance of public engagement, proposed Sec. 1290.2(c) would require the Banks to include notices on their... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1290 RIN 2590-AA38 Federal Home Loan Bank Community... by requiring the Federal Home Loan Banks (Banks) to monitor and assess the eligibility of each Bank...

  19. 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...

  20. Unemployment and house price crises: lessons for fiscal policy from the Dutch recession

    NARCIS (Netherlands)

    Teulings, C.N.

    2014-01-01

    Since the beginning of the financial crisis in 2008, the Dutch economy lost 6% of gdp relative to Germany, even though the Netherlands (unlike the GIPSI countries) did not face serious problems to finance its sovereign debt. This bad performance is explained by the interaction of fiscal policy and

  1. 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 ...... questions of subsiding and relations to libraries and civil society....

  2. Chronic Homelessness, Head Start, and Changing Federal Policies: Teaching and Learning at Hawthorne House

    Science.gov (United States)

    Bullough, Robert V., Jr.; Hall-Kenyon, Kendra M.

    2015-01-01

    Federal policy changes for Head Start (HS) elevate the importance of measured academic performance over other traditional program aims, particularly those associated with the social-emotional development of children. Concerned about the possible effects of these changes on children, based on observations and interviews, detailed portraits of…

  3. 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...

  4. Fixed and variable-rate mortgages, business cycles and monetary policy

    OpenAIRE

    Margarita Rubio

    2009-01-01

    The aim of this paper is twofold. First, I study how the proportion of fixed and variable-rate mortgages in an economy can affect the way shocks are propagated. Second, I analyze optimal implementable simple monetary policy rules and the welfare implications of this proportion. I develop and solve a New Keynesian dynamic stochastic general equilibrium model that features a housing market and a group of constrained individuals who need housing collateral to obtain loans. A given proportion of ...

  5. 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.…

  6. Can Student Loans Improve Accessibility to Higher Education and Student Performance? An Impact Study of the Case of SOFES, Mexico. World Bank Policy Research Working Paper 3425

    Science.gov (United States)

    Canton, Erik; Blom, Andreas

    2004-01-01

    Financial aid to students in tertiary education can contribute to human capital accumulation through two channels: increased enrollment and improved student performance. We analyze the quantitative importance of both channels in the context of a student loan program "Sociedad de Fomento a la Educacion, Superior" (SOFES) implemented at…

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

    Energy Technology Data Exchange (ETDEWEB)

    Zimring, Mark; Fuller, Merrian

    2010-03-17

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

  8. 24 CFR 266.100 - Qualified housing finance agency (HFA).

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Qualified housing finance agency... AUTHORITIES HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Housing Finance Agency Requirements § 266.100 Qualified housing finance agency (HFA). (a) Qualifications...

  9. The role of financial institutions towards affordable housing to urban ...

    African Journals Online (AJOL)

    Findings revealed a weak positive effect (=.312) of mortgage financing towards affordable housing and accounted for 9.7% change in affordable housing. This study also established a moderate positive effect (=.472) of housing loans towards affordable housing and accounted for 22.3% change in affordable housing.

  10. What Triggers Loan Repayment Failure of Consumer Loans – Evidence from Bosnia and Herzegovina

    Directory of Open Access Journals (Sweden)

    Sanela Pasic

    2016-01-01

    Full Text Available This research explores most dominant lending product to population of Bosnia and Herzegovina, a consumer loan, with aim to answer the question of what factors trigger loan repayment failure. It explores relation of borrower characteristics such as gender, age, level of indebtness to likeliness of loan repayment by use of probit on banking data sample representing 39% of the market share in the country. It identifies factors which lead to loan repayment failure and also provides exact empirical model for default prediction at loan approval stage. Main audience of this research should be banks, which could use the finding of the study to adjust their credit policies and risk appetite to ensure that lending losses from this strongly present product are minimized, thus leading to stable and financially sound banking sector.

  11. 78 FR 67465 - Loan Guaranty: Maximum Allowable Attorney Fees

    Science.gov (United States)

    2013-11-12

    ... connection with the termination of single-family housing loans, including foreclosure, deed-in-lieu of foreclosure, and bankruptcy- related services, issued by the Department of Housing and Urban Development (HUD... Jersey N/A 2425 350 New Mexico N/A 1500 350 New York--Western Counties \\3\\ N/A 2000 350 New York--Eastern...

  12. 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.

  13. Credit worthiness and loan repayment performance among farmer ...

    African Journals Online (AJOL)

    Credit worthiness and loan repayment performance among farmer cooperators in Owerri Agricultural Zone of Imo State, Nigeria. ... policies that will improve the linkage between farmer cooperatives and formal credit sources in the area. Keywords: Credit worthiness, loan repayment, farmers, cooperative societies and credit ...

  14. 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?...

  15. 7 CFR 3560.56 - Processing section 515 housing proposals.

    Science.gov (United States)

    2010-01-01

    ..., DEPARTMENT OF AGRICULTURE DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination... Fair Housing Marketing Plan, (5) An analysis of current credit reports, (6) A review of Civil Rights... level of environmental review in accordance with 7 CFR part 1940, subpart G. (e) Processing order of...

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

    Science.gov (United States)

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

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

  17. 7 CFR 1710.102 - Borrower eligibility for different types of loans.

    Science.gov (United States)

    2010-01-01

    ... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC... percent guarantees of private-sector loans under section 311. Under section 311 of the RE Act, both... from RUS a 90 percent guarantee of a private-sector loan to refinance their Federal Financing Bank...

  18. Bringing politics and evidence together: policy entrepreneurship and the conception of the At Home/Chez Soi Housing First Initiative for addressing homelessness and mental illness in Canada.

    Science.gov (United States)

    Macnaughton, Eric; Nelson, Geoffrey; Goering, Paula

    2013-04-01

    An interesting question concerns how large-scale (mental) health services policy initiatives come into being, and the role of evidence within the decision-making process behind their origins. This paper illustrates the process by which motivation to address homelessness, in the context of the upcoming 2010 Vancouver Olympics, was leveraged into a pan-Canadian project including sites in Vancouver, Winnipeg, Toronto, Montreal and Moncton, New Brunswick. The aim of the initiative was to implement and evaluate an intervention, Housing First, to provide housing and support to previously homeless people with mental illness. This qualitative case study was conducted between December 2009 and December 2010, employing grounded theory, and drawing on archival documents and interviews with 19 key informants involved in the conception of the project. Overall, the findings affirm that policy-making does not follow a rational, linear process of knowledge translation/exchange (KTE) and implementation, whereby evidence-based "products" are brought forward to address objectively determined needs and then "placed into decision-making events" (Lomas, 2007, p. 130). Instead, evidence-based policy making should be understood within the much more complex context of "policy entrepreneurship" (Kingdon, 2003; Mintrom & Norman, 2009) which entails taking advantage of windows of opportunity, and helping to bring together the "streams" of problems, politics, and policy ideas (Kingdon, 2003). Copyright © 2013 Elsevier Ltd. All rights reserved.

  19. 7 CFR 1721.103 - Policy.

    Science.gov (United States)

    2010-01-01

    ... consumer loans, e.g., energy resource conservation (ERC) program, contribution-in-aid of construction (CIAC... POST-LOAN POLICIES AND PROCEDURES FOR INSURED ELECTRIC LOANS Extensions of Payments of Principal and..., consideration shall be given to the effect of such extensions on the security of the Government's loans, and on...

  20. Social Housing Provision in Copenhagen

    DEFF Research Database (Denmark)

    Tsenkova, Sasha; Vestergaard, Hedvig

    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......-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...... 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...

  1. Testimony: Combating the Student Loan Burden

    Science.gov (United States)

    Helmcamp, Leslie

    2012-01-01

    The Center for Public Policy Priorities (CPPP) provides written testimony on the Senate Higher Education Committee interim charges exploring student financial aid and the issue of student loan debt Texas institutions of higher education. This paper highlights recommendations for strengthening and improving the financial aid system in Texas to…

  2. 75 FR 16821 - Housing Finance Agency Risk-Sharing Program

    Science.gov (United States)

    2010-04-02

    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-21] Housing Finance Agency Risk... Housing Finance Agencies (HFAs) to underwrite and process loans. HUD provides full mortgage insurance on.... This notice also lists the following information: Title of Proposal: Housing Finance Agency Risk...

  3. The Parent Loan Trap

    Science.gov (United States)

    Wang, Marian; Supiano, Beckie; Fuller, Andrea

    2012-01-01

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

  4. 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.

  5. 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...

  6. La nueva política nacional de vivienda en Brasil: Desafíos y limitaciones/The New National Housing Policy in Brazil: Challenges and Limitations

    Directory of Open Access Journals (Sweden)

    Nabil Bonduki

    2011-12-01

    Full Text Available Este artículo pretende dar a conocer la política y el plan nacional de vivienda de Brasil. Para esto, está dividido en dos partes. La primera parte, trata de una trayectoria histórica de la política de vivienda de este país, que resulta importante para reflexionar debido los errores hechos en el pasado, que pueden cometerse de nuevo, y a los avances que pueden rescatarse para ser aplicados de nuevo si hay una posibilidad de nuestra política. La segunda parte está dedicada a lo que se está haciendo actualmente.The purpose of this article is to present Brazil's national housing policy and housing plan. It is divided into two parts. The first part is about the historical trajectory of the country's housing policy. Reviewing this trajectory is crucial if the repetition of past mistakes is to be avoided and is also useful in terms of learning from advances that were made in the past that can be applied again. The second part is dedicated to the current state of affairs. Este artículo pretende dar a conocer la política y el plan nacional de vivienda de Brasil.

  7. 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... HOUSING SERVICE, RURAL BUSINESS-COOPERATIVE SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY... Grants § 1944.425 Handling and accounting for borrower loan funds. Grantees will be required to...

  8. 7 CFR 3560.455 - Special servicing actions related to loan accounts.

    Science.gov (United States)

    2010-01-01

    ... reduction in monthly payment installments; and (ii) The Agency is satisfied that the security, including the.... (c) Loan writedowns. A loan writedown is a reduction of a borrower's debt approved by the Agency. (1... when the following conditions exist: (i) Sound management of the housing project is evident or sound...

  9. 7 CFR 1980.309 - Lender participation in guaranteed RH loans.

    Science.gov (United States)

    2010-01-01

    ... Housing Mortgage Insurance or as an issuer of Ginnie Mae mortgage backed securities; (3) Any Lender... one to four family mortgage loans; (6) An FCS institution with direct lending authority; and (7) Any... Lender's internal loan criteria for issues of credit history and repayment ability and a copy of the...

  10. Loan Defaults in Africa

    OpenAIRE

    Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades

    2011-01-01

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

  11. Cincuenta años de política fiscal en materia de vivienda = Fifty years of tax policy in housing

    Directory of Open Access Journals (Sweden)

    Carlos Carbajo Nogal

    2012-03-01

    Full Text Available ResumenEl objetivo de este trabajo es analizar la evolución de la política de vivienda en nuestro país a partir de los años sesenta y hasta la actualidad, estudiando para ello los planes plurianuales de subsidios y ayudas a la vivienda. Estos actúan como instrumentos presupuestarios que incluyen medidas de fomento basadas, en la mayor parte de los casos en ayudas a fondo perdido, en la financiación de los diferenciales de interés o de la propia cuota o en la concesión de créditos preferenciales en función de los ingresos de las familias y del tipo de viviendas protegidas en cada periodo; se hace particular hincapié en los beneficios de naturaleza fiscal, que en los años sesenta y setenta se centran en la ampliación del hasta entonces escaso parque de viviendas sobre las que la población española empezaba ya a decantarse sobre el régimen de tenencia en propiedad. Desde esa fecha hasta hoy las políticas públicas han ido evolucionando y pese al alto nivel de viviendas en régimen de propiedad, los poderes públicos han vuelto de nuevo la vista al mercado del alquiler como posible respuesta al problema de la vivienda.AbstractThe aim of this paper is to analyze the evolution of housing policy in our country since the sixties and until today, by assessing grant term plans and housing assistance. These act as budgetary instruments including building measures based, in most cases in refundable aid in the financing of interest rate differentials or own quota or preferential lending based on income family and the type of housing in each period; places particular emphasis on the benefits of a fiscal nature, that at first, in the sixties and seventies are focused on expanding the hither to scarce housing stock on that the Spanish population was beginning to opt for tenure in property. From then until now public policies have evolved and despite the high level of housing ownership, public authorities have become again the view to the rental

  12. 7 CFR 3560.309 - Advancement (loan) of funds to a RRH project by the owner, member of the organization, or agent...

    Science.gov (United States)

    2010-01-01

    ... operating budget before any funds are advanced (loaned). The financial position of the project must not be... by the borrower and Rural Development at the time of the advance and the financial position of the... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Financial Management § 3560.309 Advancement (loan) of funds...

  13. 7 CFR 1962.2 - Policy.

    Science.gov (United States)

    2010-01-01

    ... 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...

  14. Backyard Living – Integrative Policies Towards Migrant Workers: Housing Microfinance in Greater Ho Chi Minh City, Vietnam

    Directory of Open Access Journals (Sweden)

    Martin Noltze

    2008-01-01

    Full Text Available The urban agglomeration of the Vietnamese southeast industrial driving force Ho Chi Minh City (HCMC has become the most outstanding benefi ciary of the remarkable economic growth and foreign investments in the Vietnamese economy since the start of a comprehensive economic reform process in the mid 1980s. The notable development towards the foremost economic centre led to a high influx of migrant workers. In the course of an ongoing expansion process towards a megacity of tomorrow, the defi cient provision of adequate housing remains one of the most challenging problems of rural migrants in Greater HCMC. However, a future-oriented sustainable megacity concept is strongly dependent on the successful integration of migrants into the urban society. Within this context, the housing market is considered to be a key aspect of comprehensive urban planning. Hereby, housing microfinance (HMF will be presented as an alternative housing finance scheme meeting the demand of a noteworthy number of poor and low-income people. Thereby HMF can do both: focus on specifi c needs of migrants with respect to their current life situation and enhance its outreach to a potential target group.

  15. Improving health equity through theory-informed evaluations: a look at housing first strategies, cross-sectoral health programs, and prostitution policy.

    Science.gov (United States)

    Dunn, James R; van der Meulen, Emily; O'Campo, Patricia; Muntaner, Carles

    2013-02-01

    The emergent realist perspective on evaluation is instructive in the quest to use theory-informed evaluations to reduce health inequities. This perspective suggests that in addition to knowing whether a program works, it is imperative to know 'what works for whom in what circumstances and in what respects, and how?' (Pawson & Tilley, 1997). This addresses the important issue of heterogeneity of effect, in other words, that programs have different effects for different people, potentially even exacerbating inequities and worsening the situation of marginalized groups. But in addition, the realist perspective implies that a program may not only have a greater or lesser effect, but even for the same effect, it may work by way of a different mechanism, about which we must theorize, for different groups. For this reason, theory, and theory-based evaluations are critical to health equity. We present here three examples of evaluations with a focus on program theories and their links to inequalities. All three examples illustrate the importance of theory-based evaluations in reducing health inequities. We offer these examples from a wide variety of settings to illustrate that the problem of which we write is not an exception to usual practice. The 'Housing First' model of supportive housing for people with severe mental illness is based on a theory of the role of housing in living with mental illness that has a number of elements that directly contradict the theory underlying the dominant model. Multisectoral action theories form the basis for the second example on Venezuela's revolutionary national Barrio Adentro health improvement program. Finally, decriminalization of prostitution and related health and safety policies in New Zealand illustrate how evaluations can play an important role in both refining the theory and contributing to improved policy interventions to address inequalities. The theoretically driven and transformative nature of these interventions create

  16. 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...

  17. 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.

  18. 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

  19. the role of financial institutions towards affordable housing to urban

    African Journals Online (AJOL)

    Mugumbate

    financial institutions for depositing collateral as security for housing loans was something of concern to the property developers. The person obtaining a loan is required to first obtain a land title in his/her names. The process of obtaining a land title was identified as cumbersome and complicated by both managers of.

  20. Financial literacy and consumer loans

    OpenAIRE

    Lukešová, Martina

    2014-01-01

    The Bachelor's thesis deals with problems of financial literacy. The problem with financial literacy is an extensive topic, therefore the paper focuses only on consumer loans which belong to the most used products by citizens. The thesis gives basic information about companies, which offer consumer loans and warn against incorrect financial institutions and loan sharks. One of the chapters dedicates the indicator of advantages of consumer loans. It shows issues of indicator annual percentage ...

  1. 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…

  2. SME loan defaults in Bangladesh

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

    ... disbursement targets, especially in rural areas, also contributes to loan default. Lack of awareness regarding various fees and charges for loan processing purposes deducted at the outset was also found to be a problem. Bank data shows that despite a large amount of excess liquidity, interest rates charged on loans have ...

  3. Autonomous houses. Autonomous house

    Energy Technology Data Exchange (ETDEWEB)

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

    1991-09-30

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

  4. Mortgage lenders and loans

    NARCIS (Netherlands)

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

    2012-01-01

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

  5. Entrepreurship and Credit Constraints - Evidence from a French Loan Guarantee Program

    OpenAIRE

    C. LELARGE; D. SRAER; D. THESMAR

    2008-01-01

    We use information on a French loan guarantee program in order to assess the consequences of credit constraints for new ventures. Loan Guarantee Programs, as implemented in France, are an effective instrument to help young firms grow faster, both in terms of employment and capital. These effects are quite persistent, since they are still significant four years after obtaining the guarantee. Loan guarantees also allow firms to pay cheaper interest rate, but a potential drawback of this policy ...

  6. Californium loan programme

    International Nuclear Information System (INIS)

    1974-01-01

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

  7. 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.

  8. Beyond engagement in working with children in eight Nairobi slums to address safety, security, and housing: Digital tools for policy and community dialogue.

    Science.gov (United States)

    Mitchell, Claudia; Chege, Fatuma; Maina, Lucy; Rothman, Margot

    2016-01-01

    This article studies the ways in which researchers working in the area of health and social research and using participatory visual methods might extend the reach of participant-generated creations such as photos and drawings to engage community leaders and policy-makers. Framed as going 'beyond engagement', the article explores the idea of the production of researcher-led digital dialogue tools, focusing on one example, based on a series of visual arts-based workshops with children from eight slums in Nairobi addressing issues of safety, security, and well-being in relation to housing. The authors conclude that there is a need for researchers to embark upon the use of visual tools to expand the life and use of visual productions, and in particular to ensure meaningful participation of communities in social change.

  9. The Vital Role of the White House Office of Science and Technology Policy in the New Administration

    Science.gov (United States)

    2016-09-14

    Bill Clinton, 2000 ----- “On issues ranging from climate change to AIDS research to genetic engineering to food additives, government relies on... industry . 14 Rice University’s Baker Institute Science and Technology Policy Program Scientific Integrity and Ethics Confidence in the integrity of...the New Administration industry —to develop clean, low-carbon energy technologies , improved climate monitoring and weather prediction systems—as well as

  10. 75 FR 9033 - 2010-2011 Enterprise Affordable Housing Goals; Enterprise Book-Entry Procedures

    Science.gov (United States)

    2010-02-26

    ... all first-time buyers in the housing market used FHA-insured loans.\\40\\ To ensure long-term actuarial... the 2010 goals, FHFA analyzed current demographic trends for their possible effect on housing demand... housing demand. It is still too early to assess the impact of the current economic downturn on housing...

  11. 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

  12. Digging Deeper: Making Sense of Student Loan Debt in Texas. Research Report

    Science.gov (United States)

    TG (Texas Guaranteed Student Loan Corporation), 2012

    2012-01-01

    Student loans are likely to remain a prominent instrument for paying for college in Texas, a necessary financial tool for low- and moderate-income students. As college costs rise and growing enrollments further stretch grant funds, the policy challenge is to assist students in determining the appropriate level of student loans for their individual…

  13. The role of information in the take-up of student loans

    NARCIS (Netherlands)

    Booij, A.; Leuven, E.; Oosterbeek, H.

    2008-01-01

    Policies need not only to be well designed to effectively address market failures, but their parameters also need to be part of agents' information sets. This is illustrated by government student loans in the Netherlands which are intended to alleviate liquidity constraints. Despite generous loan

  14. Widening Participation in Higher Education: A Social Justice Analysis of Student Loans in Tanzania

    Science.gov (United States)

    Msigwa, Faustina M.

    2016-01-01

    Financing of higher education (HE) through provision of student loans has become the most popular strategy globally for funding undergraduate degrees; hence, widening participation in HE depends crucially on socially just distribution of loans. Tanzanian financial assistance policy aims to support students from low-socio-economic status (SES)…

  15. 7 CFR 1951.16 - Other servicing actions on real estate type loan accounts.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Other servicing actions on real estate type loan... Account Servicing Policies § 1951.16 Other servicing actions on real estate type loan accounts. (a... smaller, respectively, than the sum of such installments on the note and other charges. (c) Real estate...

  16. 7 CFR 1781.7 - Loan and advance limitations and obligations incurred before loan closing.

    Science.gov (United States)

    2010-01-01

    ... DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.7 Loan and advance limitations and obligations incurred before loan closing. (a) WS and RCD loan limitations. (1) Loans will not be used for: (i... facilities primarily for the benefit of other than rural areas. (xvii) Any single RCD measure that requires a...

  17. 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...

  18. 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.

  19. Housing culture

    DEFF Research Database (Denmark)

    Roesdahl, Else; Scholkmann, Barbara

    2007-01-01

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

  20. 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...

  1. SBA Disaster Loan Data FY2008

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2008 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  2. SBA Disaster Loan Data FY2011

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2011 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  3. SBA Disaster Loan Data FY2004

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2004 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  4. SBA Disaster Loan Data FY2007

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2007 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  5. SBA Disaster Loan Data FY2006

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2006 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  6. SBA Disaster Loan Data FY2012

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2012 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  7. SBA Disaster Loan Data FY2005

    Data.gov (United States)

    Small Business Administration — SBA Disaster Loan Data for FY 2005 provides verified loss and approved loan amount totals for both home and business disaster loans, segmented by city, county, zip...

  8. Fake Populism or Real Populism: Pork Barrel Policy as Political Corruption in House of Representative During 2009-2013

    Directory of Open Access Journals (Sweden)

    Wasisto Raharjo Jati

    2013-08-01

    Full Text Available This article aims to analyze the practice of pork barrel politics in the level of Indonesia legislature tiers and its political management campaign. Since 2004, electoral democracy already delegate to the common people to chosen their representation directly through general election in the level executive and legislative. Those conditions oblige politician and political parties to approaching the commons in order to obtain their vote and popularize both actors into public. The paradigm of research is a pork barrel politics. This paradigm supports to understand and analyze the corruption symptoms i.e. politico corruption in legislative tier and electoral-corruption in political-campaign which become chronic problems in this country. Result of research has showed populism is pivotal key which triggered up politician and parties to corruption in order to persist their political tenure and funding their political cost in pursue to re-elect again in second office terms. No matter their corruption practice that implicate to budgeting fraud. Both actors take political favor to disguise within social aids following the governmental policy, so that, they hindered from corruption accusation. Finally, this paper wants to recommend legal improvement into our budgeting cycle wherein there are public participation to watch it and moral improvement to politician and parties to reducing their corruption if they wants to become truly populist politician figure into public.

  9. Interbank loans, collateral and modern monetary policy

    NARCIS (Netherlands)

    Wolskia, M.; van de Leur, M.C.W.

    2016-01-01

    This study develops a novel agent-based model of the interbank market with endogenous credit risk formation mechanisms. We allow banks to exchange funds through unsecured and secured transactions, which facilitates the flow of funds to the most profitable investment projects. Risk premiums result

  10. 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...

  11. 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…

  12. 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...

  13. Borrowing and Repaying Student Loans

    Science.gov (United States)

    Hillman, Nicholas W.

    2015-01-01

    This essay synthesizes the most recent and rigorous research on student loan debt. It focuses on basic questions about who borrows, how much, and whether debt affects behaviors. Answers to these questions are necessary for informing federal student loan policymaking, yet the research findings are surprisingly mixed because of poor data quality,…

  14. Using collateral to secure loans

    OpenAIRE

    Yaron Leitner

    2006-01-01

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

  15. 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

  16. 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...

  17. Challenges for Large Housing Estates

    DEFF Research Database (Denmark)

    Vestergaard, Hedvig

    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......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...

  18. 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 policies...

  19. 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...

  20. 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

  1. 7 CFR 3431.15 - Qualifying loans.

    Science.gov (United States)

    2010-01-01

    ...) Reasonable living expenses, as defined in this part and as determined by the Secretary. (b) Non-eligible... accredited veterinary medical school; (5) Loans or portions of loans obtained for educational or living... loans, scholarships, loan repayments, or other awards in exchange for a future service obligation; (7...

  2. 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. ...

  3. 7 CFR 1421.111 - Loan settlement.

    Science.gov (United States)

    2010-01-01

    ..., settlement will be made by CCC on the basis of the basic marketing assistance loan rate that is in effect for... other than an authorized warehouse, settlement shall be made by CCC on the basis of the basic marketing...-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance Loans...

  4. 75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction

    Science.gov (United States)

    2010-10-29

    ... loan applicants tend to pose a higher economic risk of loss than those operations financed by commercial creditors. Information collections established in the regulations are necessary for FSA to...

  5. 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...

  6. 78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance

    Science.gov (United States)

    2013-12-06

    ... notification to the Banks and the Bank System's Office of Finance of the categories of information that it will... FEDERAL HOUSING FINANCE AGENCY [No. 2013-N-16] 12 CFR Part 1260 Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance AGENCY: Federal Housing Finance Agency. ACTION...

  7. Housing equity withdrawal in Australia

    NARCIS (Netherlands)

    Ong, R.; Jefferson, T.; Austen, S.; Haffner, M.E.A.; Wood, G.A.

    2014-01-01

    More Australian home owners are using housing equity withdrawal to unlock financial resources to fund living expenses, especially in retirement. Policy is needed to address potential adverse consequences of these strategies.

  8. Unitary Housing Regimes in Transition

    DEFF Research Database (Denmark)

    Bengtsson, Bo; Jensen, Lotte

    2013-01-01

    to the Danish and Swedish housing regimes are analysed and the responses and outcomes in terms of policy change and/or institutional continuity (path dependence) are compared. Overall, the more decentralized Danish housing regime seems to have resisted pressures for change and retrenchment better so far than...

  9. 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.

  10. Credit, usury and interest loans

    Directory of Open Access Journals (Sweden)

    Nicola Lorenzo Barile

    2010-06-01

    Full Text Available This review article provides a brief introduction to the issues of interest loans and usury in the Middle Ages as well as a systematic description of the bibliographic sources and electronic resources.

  11. 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...

  12. Undermining housing affordability for New York’s low-income households : The role of policy reform and rental sector restructuring

    NARCIS (Netherlands)

    Kadi, J.; Ronald, R.

    2016-01-01

    While public programmes, rent controls and subsidy schemes have not resolved New York’s historic and long-standing housing crisis, they have been important in dampening the housing problems of low-income New Yorkers. Along with an encroaching neo-liberal hegemony, however, since the 1990s

  13. 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.

  14. 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...

  15. 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.

  16. 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.

  17. 78 FR 65582 - Single Family Housing Direct Loan Program

    Science.gov (United States)

    2013-11-01

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

  18. 76 FR 31217 - Single Family Housing Guaranteed Loan Program

    Science.gov (United States)

    2011-05-31

    ... borrower, real estate agent, or seller. The Agency does not intend to seek indemnification when fraud was... licensed or certified, as appropriate, to make residential real estate appraisals in accordance with 7 CFR..., to make residential real estate appraisals in accordance with Sec. 1980.334(a) of this subpart; or...

  19. Is Housing a Health Insult?

    Science.gov (United States)

    Baker, Emma; Beer, Andrew; Lester, Laurence; Pevalin, David; Whitehead, Christine; Bentley, Rebecca

    2017-05-26

    In seeking to understand the relationship between housing and health, research attention is often focussed on separate components of people's whole housing 'bundles'. We propose in this paper that such conceptual and methodological abstraction of elements of the housing and health relationship limits our ability to understand the scale of the accumulated effect of housing on health and thereby contributes to the under-recognition of adequate housing as a social policy tool and powerful health intervention. In this paper, we propose and describe an index to capture the means by which housing bundles influence health. We conceptualise the index as reflecting accumulated housing 'insults to health'-an Index of Housing Insults (IHI). We apply the index to a sample of 1000 low-income households in Australia. The analysis shows a graded association between housing insults and health on all outcome measures. Further, after controlling for possible confounders, the IHI is shown to provide additional predictive power to the explanation of levels of mental health, general health and clinical depression beyond more traditional proxy measures. Overall, this paper reinforces the need to look not just at separate housing components but to embrace a broader understanding of the relationship between housing and health.

  20. Passive houses in Norway

    Energy Technology Data Exchange (ETDEWEB)

    Halse, Andreas

    2008-12-15

    The paper analyzes the introduction of passive houses in the Norwegian house market. Passive houses are houses with extremely low levels of energy consumption for heating, and have not yet been built in Norway, but have started to enter the market in Germany and some other countries. The construction sector is analyzed as a sectoral innovation system. The different elements of the innovation system are studied. This includes government agencies, producers, consumers, finance and education. The analysis shows that passive and low-energy houses are on the verge of market breakthrough. This can partly be explained by economic calculations, and partly by processes of learning and change in the institutional set-up of the sector. The construction sector is a sector characterized by low innovative intensity and little interaction between different agents. Those working to promote passive houses have to some extent managed to cope with these challenges. This has happened by breaking away from the traditional focus of Norwegian energy efficiency policies on technology and the economically rational agents, by instead focusing on knowledge and institutional change at the level of the producers. (Author)

  1. Clay Houses

    Science.gov (United States)

    Pedro, Cathy

    2011-01-01

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

  2. 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.

  3. 76 FR 11815 - Request for Certification of Compliance-Rural Industrialization Loan and Grant Program

    Science.gov (United States)

    2011-03-03

    ... 4279-2) for the following: Applicant/Location: Puerto Rico Housing Finance Authority, San Juan, Puerto..., authorizes the United States Department of Agriculture to make or guarantee loans or grants to finance... in the analysis of these issues. Jane Oates, Assistant Secretary for Employment and Training. [FR Doc...

  4. 78 FR 74157 - Notice of HUD-Held Multifamily Loan Sale (MLS 2014-1)

    Science.gov (United States)

    2013-12-10

    ... intention to sell an unsubsidized multifamily mortgage loan, without Federal Housing Administration (FHA... INFORMATION: HUD announces its intention to sell, in MLS 2014-1, an individual unsubsidized multifamily... non-refundable and will be applied toward the purchase price. Deposits will be returned to...

  5. 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’.

  6. 26 CFR 1.7872-5T - Exempted loans (temporary).

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAXES General Actuarial Valuations § 1.7872-5T Exempted loans (temporary). (a) In general...: (A) The loan is a demand loan or is a term loan the benefits of the interest arrangements of which...

  7. Capacity Development and Strengthening for Energy Policy formulation and implementation of Sustainable Energy Projects in Indonesia CASINDO. Deliverable No. 10. Report on the in-house trainings by TEDC. Part 1

    Energy Technology Data Exchange (ETDEWEB)

    Kamphuis, E. [ETC Nederland, Leusden (Netherlands); Permana, I. [Technical Education Development Centre TEDC, Bandung (Indonesia)

    2011-11-15

    The overall objective of the CASINDO programme is to establish a self-sustaining and self-developing structure at both the national and regional level to build and strengthen human capacity to enable the provinces of North Sumatra, Yogyakarta, Central Java, West Nusa Tenggara and Papua to formulate sound policies for renewable energy and energy efficiency and to develop and implement sustainable energy projects. This report describes the in-house trainings given by TEDC (Technical Education Development Centre) to 4 SMK (Sekolah Menengah Kejuruan of the Ministry of Education; SMKs are Vocational and Technical Schools) that are currently involved in CASINDO regarding the background of, the approach to and the steps taken for the development of operational curricula at SMK level. The report also explains the results of the in-house trainings.

  8. Capacity Development and Strengthening for Energy Policy formulation and implementation of Sustainable Energy Projects in Indonesia CASINDO. Deliverable No. 11. Report on the in-house trainings by TEDC. Part 2

    Energy Technology Data Exchange (ETDEWEB)

    Kamphuis, E. [ETC Nederland, Leusden (Netherlands); Permana, I. [Technical Education Development Centre TEDC, Bandung (Indonesia)

    2012-02-15

    The overall objective of the CASINDO programme is to establish a self-sustaining and self-developing structure at both the national and regional level to build and strengthen human capacity to enable the provinces of North Sumatra, Yogyakarta, Central Java, West Nusa Tenggara and Papua to formulate sound policies for renewable energy and energy efficiency and to develop and implement sustainable energy projects. This report describes the in-house trainings given by TEDC (Technical Education Development Centre) to 7 SMK (Sekolah Menengah Kejuruan of the Ministry of Education; SMKs are Vocational and Technical Schools) that are currently involved in CASINDO regarding the background of, the approach to and the steps taken for the development of operational curricula at SMK level. The report also explains the results of the in-house trainings.

  9. A Model of Housing Quality Determinants (HQD for Affordable Housing

    Directory of Open Access Journals (Sweden)

    Afaq Hyder Chohan

    2015-01-01

    Full Text Available This research identifies the design quality determinants and parameters for affordable housing in a developing metropolis, Karachi, Pakistan. The absence of quality housing in Karachi has resulted in a variety of factors including policy failure, violation of bylaws, housing scarcity and more low quality housing. The combination of these factors has resulted in poor housing design and construction and has lowered the overall quality of housing. Homeowners (end-users experience unplanned maintenance and repairs. This study provides a design quality model for use as a survey tool among professionals and endusers. This study resulted in a table of 24 quality determinants marked as Housing Quality Determinants (HQD grouped into eight sections. This research concludes that the existing design quality of affordable housing in Karachi could be enhanced by resolving problems related to design, construction, services, site development, neighbourhood and sustainability. The HQD model provides a platform for developing quality indicators of housing design and an opportunity for local and international design and construction professionals to rethink design in the context of housing quality. This article provides the development of the HQD framework (model.

  10. 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.

  11. 76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs

    Science.gov (United States)

    2011-05-13

    ... conservation practices, techniques, or technologies. This notice announces that FSA is no longer accepting...; ] DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan Programs... Agency (FSA) is no longer accepting direct or guaranteed loan applications for the Conservation Loan (CL...

  12. 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

  13. 7 CFR 1421.102 - Adjustment of basic loan rates.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Adjustment of basic loan rates. 1421.102 Section 1421...-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance Loans § 1421.102 Adjustment of basic loan rates. (a) Basic loan rates are established under § 1421.9 and will...

  14. Cliff House

    OpenAIRE

    Treser, Steven Thomas

    2006-01-01

    This thesis began with the goal of designing a bold house cantilevered over the edge of a cliff 120 feet above the water, and evolved into the study of how to design when starting with the primary form of a cube. The cube was chosen as representing the crystalline form of the rock upon which the house sits. The outside shell of the house is horizontal, board formed concrete, also in reference to the layered rock of the cliff face. There are two primary forces cutting away the mas...

  15. 12 CFR 614.4120 - Policies governing extensions of credit to direct lender associations and OFIs.

    Science.gov (United States)

    2010-01-01

    ... policies and procedures shall prescribe lending policies and loan underwriting standards that are consistent with sound financial and credit practices. The policies shall require a periodic review of the... policies and loan underwriting standards set forth in part 614, subpart D, and may permit lending to such...

  16. 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.

  17. 49 CFR 22.67 - Delinquent loans and loan defaults.

    Science.gov (United States)

    2010-10-01

    ... reimburse the Participating Lender on a pro rata basis in proportion to the loan guarantee percentage for... authorization will not be eligible for a pro rata basis reimbursement of the associated fees and costs. Net recoveries applicable to accrued interest must be applied on a pro rata basis in proportion to the formula...

  18. 7 CFR 1435.104 - Loan maintenance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan maintenance. 1435.104 Section 1435.104 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION, DEPARTMENT... Loan maintenance. (a) All processors receiving loans shall: (1) Abide by the terms and conditions of...

  19. Cumulative Student Loan Debt in Minnesota, 2015

    Science.gov (United States)

    Williams-Wyche, Shaun

    2016-01-01

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

  20. 12 CFR 614.4233 - International loans.

    Science.gov (United States)

    2010-01-01

    ... and Conditions § 614.4233 International loans. Term loans made by banks for cooperatives and... conditions: (a) The loan shall be denominated in a currency to eliminate foreign exchange risk on repayment... borrower has had a longstanding successful business relationship with an eligible cooperative borrower or...

  1. 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.

  2. Student Loan Default Rates in Minnesota, 2007

    Science.gov (United States)

    Grimes, Tricia

    2010-01-01

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

  3. 29 CFR 4043.67 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  4. 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 Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender...

  5. 7 CFR 1980.469 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... lender's close attention. Failure to correct these deficiencies could result in greater credit risk in... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.469 Loan servicing. The lender is... any violations in the Lender's Loan Agreement. (See Paragraph X of Form FmHA or its successor agency...

  6. Rules versus discretion in loan rate setting

    NARCIS (Netherlands)

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

    2011-01-01

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

  7. White House

    Science.gov (United States)

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

  8. Conformal House

    DEFF Research Database (Denmark)

    Ryttov, Thomas; Sannino, Francesco

    2010-01-01

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

  9. 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

  10. 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.

  11. Deposit competition and loan markets

    NARCIS (Netherlands)

    Arping, S.

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

  12. Trouble Ahead for Student Loans?

    Science.gov (United States)

    Ergungor, O. Emre; Hathaway, Ian

    2008-01-01

    The market for student loans may differ in some respects from other financial markets, but private lenders are the primary source of funds. As in other markets, the incentive to lend those funds comes from the ability to make a profit. But recent turmoil in financial markets is affecting all of the factors that contribute to the profitability of…

  13. Student Loans for Higher Education

    Science.gov (United States)

    Simons, Charlene Wear

    2008-01-01

    Student loans are a rapidly growing $85 billion a year industry fueled by the substantial higher economic returns associated with a college education, increased demand from students and their parents, and grant and scholarship funds that have not kept pace with rising school tuition and fees. This report describes federally subsidized and…

  14. 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...... 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....... 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...

  15. 13 CFR 120.345 - Policy.

    Science.gov (United States)

    2010-01-01

    ... small businesses that are: (a) Engaged or preparing to engage in international trade; or (b) Adversely... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Policy. 120.345 Section 120.345 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans...

  16. 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...

  17. 12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.

    Science.gov (United States)

    2010-01-01

    ... in 1-4 family real estate in an amount that does not exceed 80 percent of the appraised value of the... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...

  18. Grassroots Strategies for the Housing Crisis: A National Agenda.

    Science.gov (United States)

    Dreier, Peter; Atlas, John

    1989-01-01

    Only the federal government has the power and resources to address the housing crisis. National policy should extend resources to grassroots groups which will design housing programs and policies according to local conditions. Important issues are: (1) preserving existing subsidized housing; (2) providing capital; (3) constructing affordable…

  19. FAKTOR-FAKTOR YANG MEMENGARUHI RATIO NON PERFORMING LOAN (NPL

    Directory of Open Access Journals (Sweden)

    Setiyaningsih Setiyaningsih

    2015-08-01

    Full Text Available This research has the aim to analyze the factors which give impact in ratio of NPL (Non Performing Loan in XYZ Bank Jakarta. NPL can be caused by the internal factors such as policies, human capitals, etc., and can be caused by external factors through macro-economic changes such as loan-outstanding, BI rate, and foreign exchange (Indonesia Rupiah to US Dollar. This research is a descriptive research with direct approach to the primary and secondary data. The analysis method was using the multiple linear regression method with data time series from June 2008 to June 2014. The multiple linear regression method was used to see the impacts of volume of loan-outstanding, BI rate, and foreign exchange to NPL ratio, and testing differences between level of NPL before and after the separation of RM (Relationship Manager and CA (Credit Analyst function in Bank XYZ Jakarta.  All of data processing steps in this research use software Eviews Version 6.0. The result of this research are Loan-outstanding or number of lending, foreign exchange and the dummy of RM and CA separation function have impact to NPL Ratio. The BI-rate change which was happened along the research gives no impact to NPL Ratio. The NPL Ratio is relatively better and it is not affected of the increasing of BI rate.  It is not only because of performing loans but also caused by the existing write-off portfolios. Keywords: NPL, loan-outstanding, BI rate, foreign exchange, the separation of RM, credit analystABSTRAKPenelitian ini memiliki tujuan menganalisis faktor-faktor yang mempengaruhi ratio NPL pada Bank XYZ Jakarta. NPL (Non Performing Loan dapat disebabkan oleh faktor internal seperti kebijakan, SDM, dan lainnya ataupun faktor eksternal melalui perubahan faktor makroekonomi, seperti variabel loans outstanding, BI Rate, dan nilai tukar Rupiah terhadap Dollar. Jenis penelitian ini termasuk penelitian deskriptif dengan pengamatan langsung terhadap data sekunder dan data primer

  20. Socio-Economic Research on Housing in the Czech Republic

    Czech Academy of Sciences Publication Activity Database

    Mikeszová, Martina

    2007-01-01

    Roč. 43, č. 3 (2007), s. 637-646 ISSN 0038-0288 R&D Projects: GA ČR GA403/06/0915 Institutional research plan: CEZ:AV0Z70280505 Keywords : housing research * housing policy * housing finance * housing market, Subject RIV: AO - Sociology, Demography Impact factor: 0.169, year: 2007

  1. Farmworker Housing Quality and Health.

    Science.gov (United States)

    Arcury, Thomas A; Jacobs, Ilene J; Ruiz, Virginia

    2015-11-01

    On 11 November 2014, Farmworker Housing Quality and Health: A Transdisciplinary Conference was convened to draw together experts from the variety of disciplines who contribute to research and practice focused on farmworker housing and health in order to delineate current knowledge and propose next steps. The conference addressed three specific aims: (1) to consolidate current knowledge on characteristics and quality of housing provided for farmworkers; (2) to delineate pertinent directions and areas for farmworker housing health and safety research and policy; and (3) to facilitate the development of working groups to support the implementation of research, education, and engineering projects to improve farmworker housing. This article provides an overview of the conference. © The Author(s) 2015.

  2. Unitary Housing Regimes in Transition

    DEFF Research Database (Denmark)

    Bengtsson, Bo; Jensen, Lotte

    2013-01-01

    Path dependence is strong in housing institutions and policy. In both Denmark and Sweden, today’s universal and ‘unitary’ (Kemeny) housing regimes can be traced back to institutions that were introduced fifty years back in history or more. Recently, universal and unitary housing systems...... in Scandinavia, and elsewhere, are under challenge from strong political and economic forces. These challenges can be summarized as economic cutbacks, privatization and Europeanization. Although both the Danish and the Swedish housing system are universal and unitary in character, they differ considerably...... in institutional detail. Both systems have corporatist features, however in Denmark public housing is based on local tenant democracy and control, and in Sweden on companies owned and controlled by the municipalities, combined with a centralized system of rent negotiations. In the paper the present challenges...

  3. ICSC – Policy for energy saving and increase of efficiency in Russia in the spheres of construction, housing and community amenities

    Directory of Open Access Journals (Sweden)

    Boyarinov Andrey

    2016-01-01

    Full Text Available Russia’s GDP energy intensity today is approximately 2.5–3.5 times higher than that of economically developed countries. To increase its economic competitive ability, Russia needs to achieve energy efficiency in different spheres, including construction, housing and community amenities. Close examination of implemented management measures and world experience revealed that in order to achieve a further energy efficiency increase Russia needs to boost economic interest of the participants concerned and to form effective mechanisms of economic management, and this should be done along with improvement of administrative governance. The paper focuses on the barriers that hamper economic motivation and provides recommendations for energy efficiency increase. Even partial implementation of suggested measures, in our opinion, will increase energy efficiency in the spheres of construction and housing accommodation, which is illustrated through the example of a residential building located in Yekaterinburg (Russia, Middle Urals.

  4. 77 FR 75121 - Notice of Funding Availability: Multi-Family Housing Preservation and Revitalization...

    Science.gov (United States)

    2012-12-19

    ... will continue to deliver decent, safe and sanitary affordable rental housing for 20 years or the... sanitary housing for 20 years or the remaining term of any Agency loan, whichever ends later, by using the... Identity of Interest (IOI) management agent unless there is a current, approved workout plan in place and...

  5. 12 CFR 950.25 - Advances to out-of-district members and housing associates.

    Science.gov (United States)

    2010-01-01

    ... associates. 950.25 Section 950.25 Banks and Banking FEDERAL HOUSING FINANCE BOARD FEDERAL HOME LOAN BANK.../debtor relationship. Any Bank may become a creditor to a member or housing associate of another Bank.../debtor relationship at the time an advance is made. (b) Applicability of advances requirements. Any...

  6. Environmental policy, assessment and communication

    Energy Technology Data Exchange (ETDEWEB)

    Canter, D.; Krampen, M.; Stea, D.

    1988-01-01

    This second volume in the Gower ethnoscapes Series explores the realm of environmental policy and presents analysis of three major public policy issues: growing public concern over environmental factors; growing awareness of the relationship between environment, crime and adolescent development; and increased environmental awareness in relation to population growth and housing needs (especially housing for the elderly and mass housing for third world nations).

  7. SCHREINER HOUSE

    African Journals Online (AJOL)

    lte.-.inteJtme.n-t .in 19 21 . .. ~/ . In the oldest part of the house a panel has been left to show visitors the composition and method of construction of the walls during the mid-nineteenth century .. At that time cement was imported, expensive and therefore usually used only for plastering ex- ternally. An examination of the panel ...

  8. \\'Sweat Equity\\': Women\\'s Participation in Subsidised Housing in ...

    African Journals Online (AJOL)

    Abstract. The notion of \\"sweat equity\\" has been promoted as an integral part of subsidised housing in South African Housing policy. It\\'s tougher for females, though. Africa Insight Vol.34(2/3) 2004: 58-64 ...

  9. The strategic facilities management organisation in housing

    DEFF Research Database (Denmark)

    Nielsen, Susanne Balslev; Jensen, Per Anker; Jensen, Jesper Ole

    2012-01-01

    Two houses in the same street can be built in the same year, they can look the same, and still they might provide very different support for sustainable living. This article points to the Strategic Facilities Management Organisation (SFMO) as the most important concept, to understand and manage...... literature on sustainable facilities management, where it fills a gap as it deals with housing and strategic FM. Intended readers are those interested in housing administration and especially the transition of existing housing into more sustainable housing. Intended readers include building owners, policy...

  10. 13 CFR 120.315 - Interest rate and loan limit.

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-04-01

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

  12. 7 CFR 1427.23 - Cotton loan deficiency payments.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Cotton loan deficiency payments. 1427.23 Section 1427..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan Deficiency Payments § 1427.23 Cotton loan deficiency payments. (a) In order to be eligible to receive such...

  13. 7 CFR 1427.174 - Maturity of seed cotton loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.174 Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...

  14. 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

  15. 7 CFR 1744.63 - The telephone loan budget.

    Science.gov (United States)

    2010-01-01

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

  16. 26 CFR 1.7872-15 - Split-dollar loans.

    Science.gov (United States)

    2010-04-01

    ...) INCOME TAXES General Actuarial Valuations § 1.7872-15 Split-dollar loans. (a) General rules—(1... split-dollar loan depend upon the relationship between the parties and upon whether the loan is a demand...-dollar demand loan is any split-dollar loan that is payable in full at any time on the demand of the...

  17. 5 CFR 537.103 - Agency student loan repayment plans.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Agency student loan repayment plans. 537... REPAYMENT OF STUDENT LOANS § 537.103 Agency student loan repayment plans. Before providing student loan repayment benefits under this part, an agency must establish a student loan repayment plan. This plan must...

  18. 42 CFR 57.309 - Payment of nursing student loans.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Payment of nursing student loans. 57.309 Section 57... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.309 Payment of nursing student loans. (a) Nursing student loans from any fund may be paid to...

  19. Student Loans Reform in China: Problems and Challenges

    Science.gov (United States)

    Wei, Jianguo; Wang, Rong

    2009-01-01

    Student loans schemes have developed rapidly alongside China's move towards mass higher education. In this paper, the main features of the existing four types of student loan schemes are compared. In particular, the providers of principal loan, borrower eligibility, loan size, loan origination, interest subsidy, risk-sharing, repayment conditions…

  20. 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...

  1. Socioeconomic residential segregation and public housing policies. An approach from the Program “Mi Casa, Mi Vida”. Case study in the city of Cordoba, Argentina

    Directory of Open Access Journals (Sweden)

    Florencia Molinatti

    2016-07-01

    Full Text Available This paper aims to analyze the possible effects of the housing program “Mi Casa, Mi Vida” in socioeconomic residential segregation in the city of Córdoba (Argentina. These effects are estimated from the study of the socioeconomic residential composition (before and after the implementation of the program, the mapping of residential movements generated by the program and the application of bivariate autocorrelation techniques. Among the key findings, most of the program beneficiaries are concentrated in poor areas surrounded by others in similar conditions. This fact favors the existence of a large cluster of poverty in the peripheries of the city and promotes marginalization and social exclusion.

  2. Nuclear Energy Policy

    Science.gov (United States)

    2009-12-10

    reactor concepts, such as sodium-cooled fast reactors and molten salt reactors, were also to continue. For FY2010, the House Appropriations...provided for uranium enrichment plants, and $18 billion in authority was provided for non-nuclear energy technologies, such as renewable energy.26...2 billion was for carbon capture and sequestration, and $2 billion was for uranium enrichment. The time limits on the loan guarantee authority were

  3. 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.

  4. A Need for Affordable Housing in Banda Aceh, Indonesia

    OpenAIRE

    Iriansyah, Nova

    2011-01-01

    Banda Aceh recently received Adiupaya Puritama award, an award given by the Housing Ministry for cities that have successfully manage its housing and settlement. While there is no doubt that Banda Aceh has made a good achievement in terms of providing housing for its residents, there is always a room for an evaluation of the previous and upcoming policy to improve and to develop a more effective housing policy. Similar to many cities in Indonesia, Banda Aceh experience massive urbanization al...

  5. 7 CFR 1781.8 - Rates and terms-WS loans and WS advances and RCD loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Rates and terms-WS loans and WS advances and RCD... UTILITIES SERVICE, DEPARTMENT OF AGRICULTURE (CONTINUED) RESOURCE CONSERVATION AND DEVELOPMENT (RCD) LOANS AND WATERSHED (WS) LOANS AND ADVANCES § 1781.8 Rates and terms—WS loans and WS advances and RCD loans...

  6. Covenant Violations and Dynamic Loan Contracting

    DEFF Research Database (Denmark)

    Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony

    2017-01-01

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

  7. 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…

  8. 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...

  9. 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

  10. 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.

  11. Multifamily Housing Rehabilitation Process Improvements

    Energy Technology Data Exchange (ETDEWEB)

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

    2016-03-01

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

  12. Institutional prerequisites for affordable housing development : A comparative study of Germany and Sweden

    OpenAIRE

    Granath Hansson, Anna

    2017-01-01

    This thesis was written against the background of intense public debate on increasing housing shortages and housing policy reform in Germany and Sweden. Potential reforms to increase housing development volumes, especially in the affordable segment, are analysed using theories of institutional change with focus on urban planning, building law and housing policy. The instruments analysed are divided into measures intended to increase housing supply elasticity and targeted affordable housing me...

  13. Do Central Banks React to House Prices?

    OpenAIRE

    Finocchiaro, Daria; Queijo von Heideken, Virginia

    2007-01-01

    The substantial fluctuations in house prices recently experienced by many industrialized economies have stimulated a vivid debate on the possible implications for monetary policy. In this paper, we ask whether the U.S. Fed, the Bank of Japan and the Bank of England have reacted to house prices. We study the responses of these central banks by estimating a structural model for each country where credit constrained agents borrow against real estate. The main result is that house price movements...

  14. In-house or outsourced public services? A social and economic analysis of the impact of spending policy on the private wage share in OECD countries

    Science.gov (United States)

    Pensiero, Nicola

    2017-01-01

    This article analyses the relationship between government spending and the distribution of private income between capital and labour. While most previous research assumes that government spending redistributes in favour of the less wealthy, I distinguish between types of expenditures that enhance the bargaining position of labour – that is, unemployment benefits, public sector employment and investment in new capital – and labour-saving and pro-business types of expenditures – that is, outsourcing to private firms. The results are derived from various panel regression techniques on a panel of 19 Organisation for Economic Co-operation and Development (OECD) countries in the period 1985–2010 and show that expenditures on public sector employment and, to a lesser extent, on new capital prevented the private wage share from declining further, even after controlling for labour market institutions, globalisation and technological change. Conversely, expenditures on outsourcing substantially contributed to reducing the private wage share. Unemployment benefits had a non-significant and negative effect on the private wage share because their increase was the consequence of higher levels of unemployment rather than policy. Implications for theory and policy are drawn, including the support for a public employment-led spending policy. PMID:28919641

  15. In-house or outsourced public services? A social and economic analysis of the impact of spending policy on the private wage share in OECD countries.

    Science.gov (United States)

    Pensiero, Nicola

    2017-08-01

    This article analyses the relationship between government spending and the distribution of private income between capital and labour. While most previous research assumes that government spending redistributes in favour of the less wealthy, I distinguish between types of expenditures that enhance the bargaining position of labour - that is, unemployment benefits, public sector employment and investment in new capital - and labour-saving and pro-business types of expenditures - that is, outsourcing to private firms. The results are derived from various panel regression techniques on a panel of 19 Organisation for Economic Co-operation and Development (OECD) countries in the period 1985-2010 and show that expenditures on public sector employment and, to a lesser extent, on new capital prevented the private wage share from declining further, even after controlling for labour market institutions, globalisation and technological change. Conversely, expenditures on outsourcing substantially contributed to reducing the private wage share. Unemployment benefits had a non-significant and negative effect on the private wage share because their increase was the consequence of higher levels of unemployment rather than policy. Implications for theory and policy are drawn, including the support for a public employment-led spending policy.

  16. Beyond home ownership: housing, welfare and society

    NARCIS (Netherlands)

    Ronald, R.; Elsinga, M.

    2012-01-01

    In context of ongoing transformations in housing markets and socioeconomic conditions, this book focuses on past, current and future roles of home ownership in social policies and welfare practices. It considers owner-occupied housing in terms of diverse meanings and manifestations, but in

  17. 42 CFR 57.1510 - Security for loans.

    Science.gov (United States)

    2010-10-01

    ... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1510...

  18. 42 CFR 57.1512 - Length and maturity of loans.

    Science.gov (United States)

    2010-10-01

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

  19. 42 CFR 57.1518 - Modification of loans.

    Science.gov (United States)

    2010-10-01

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

  20. 42 CFR 57.1507 - Limitations applicable to loan guarantee.

    Science.gov (United States)

    2010-10-01

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

  1. 77 FR 28572 - Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for...

    Science.gov (United States)

    2012-05-15

    ... DEPARTMENT OF EDUCATION Notice of Submission for OMB Review; Federal Student Aid; Loan Verification Certificate for Special Direct Consolidation Loans SUMMARY: This Loan Verification Certificate... Manage Student Loan Debt.'' Loans made under this initiative are known as Special Direct Consolidation...

  2. Assessing bank competition for consumer loans

    NARCIS (Netherlands)

    Bolt, Wilko; Humphrey, David

    2015-01-01

    Based on frontier analysis, we derive inferences of bank consumer loan competition from estimating a revenue-cost 'competition efficiency' (CE) frontier. The competitiveness of the $400 billion U.S. bank consumer loan market is then assessed by comparing results from our frontier CE measure with

  3. 7 CFR 1980.370 - Loan servicing.

    Science.gov (United States)

    2010-01-01

    ... payments and early recognition and solution of problems are keys to resolving many delinquent loan cases... cure the delinquency. The Lender should consider the borrower's financial condition in attempting to... concurrence. Reamortization shall not change the amount of the loan guarantee. (d) Lender reporting to RHS...

  4. Deeper in Debt: Women and Student Loans

    Science.gov (United States)

    Miller, Kevin

    2017-01-01

    Over the course of the past few decades student loans have become an increasingly common means of paying for a college education. Most students who complete a college program now take on student loans, and the amount of student debt that students assume has increased along with the price of attending college. At this time about 44 million…

  5. 7 CFR 1735.30 - Hardship loans.

    Science.gov (United States)

    2010-01-01

    ... plan for the state, see 7 CFR part 1751, subpart B. (b)(1) Hardship loan funds shall not be used to... most points will be approved first, the second highest next, etc.) The following ranking methodology and loan approval conditions apply: (1) Ranking criteria.Borrowers will receive points based on each...

  6. 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.

  7. Rules versus Discretion in Loan Rate Setting

    NARCIS (Netherlands)

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

    2007-01-01

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

  8. 29 CFR 4043.34 - Loan default.

    Science.gov (United States)

    2010-07-01

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

  9. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

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

    2013-01-01

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

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

    African Journals Online (AJOL)

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

  11. 7 CFR 762.110 - Loan application.

    Science.gov (United States)

    2010-01-01

    ...,000 or less must, at least, consist of: (i) The application form; (ii) Loan narrative; (iii) Balance... of debts over $1,000; (3) Three years financial history; (4) Three years of production history (for... least: (1) An application form; (2) A loan narrative; and (3) Any other items agreed to during the...

  12. 7 CFR 1951.885 - Loan classifications.

    Science.gov (United States)

    2010-01-01

    ... the loan(s) payments for 24 consecutive months. (4) Be secured by collateral which is determined to be..., and are not considered to pose a credit risk to FmHA or its successor agency under Public Law 103-354... presently expose FmHA or its successor agency under Public Law 103-354 to a sufficient degree of risk to...

  13. A Database Management System for Interlibrary Loan.

    Science.gov (United States)

    Chang, Amy

    1990-01-01

    Discusses the increasing complexity of dealing with interlibrary loan requests and describes a database management system for interlibrary loans used at Texas Tech University. System functions are described, including file control, records maintenance, and report generation, and the impact on staff productivity is discussed. (CLB)

  14. 42 CFR 57.1515 - Loan closing.

    Science.gov (United States)

    2010-10-01

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

  15. Rethinking Affordable Housing Delivery: An Analytical Insight

    Directory of Open Access Journals (Sweden)

    Olanrewaju Abdullateef

    2016-01-01

    Full Text Available Malaysia currently has a housing shortage of 12 million units. Towards the year 2020, this would require an annual supply of a minimum of 2 million homes. With the current production rate, the deficits will remain over the next 100 years. The crisis will lead to poor standards of living, un-affordable rental price, high mortgage payment, abandonment, and dilapidation of the existing housing stock. Lack of affordable housing is already a source of concern among many Malaysians. The middle and lower income earners spend more than 30% of their income on rent or for mortgage payment. Housing rent or mortgage is a basic need like foods, education, clothing and health. The government has introduced various measures to address the housing deficit. Despite these measures, the housing supply and distribution gaps continue to grow. To better understand the issues, there is a need to examine how the procurement planning in the affordable housing delivery supply chain and market is formulated, explore how cost of affordable housing would be reduced, identify the user value systems in affordable housing, and identify the criteria in the current regulatory framework? For these purposes, this paper reviews the relevant literature to reach preliminary findings on the stated issues. Among the factors found accounting for housing shortages, the overwhelming factors were that of poor policies, strategies, practice, management, and finance. The findings are meaningful in framing an affordable housing delivery model. It could also be useful to stakeholders involved in affordable housing delivery in Malaysia and elsewhere.

  16. 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...

  17. 75 FR 38999 - Federal Perkins Loan Program: Federal Family Education Loan Program and William D. Ford Federal...

    Science.gov (United States)

    2010-07-07

    ... of dependent undergraduate students and Federal Consolidation Loans and Direct Consolidation Loans... results in the borrower not being eligible to receive unemployment benefits under applicable State law...

  18. 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.

  19. SEVERAL MEASURES OF BUDGETARY POLICY

    Directory of Open Access Journals (Sweden)

    Ioan Dan Morar

    2012-12-01

    Full Text Available Budget policy for the funding and sometimes care about the public sector, certain actions and utilities on the private sector within limits set by the strategies, tactics and operational deciyiile promoted executive. Phenomenon budget includes both revenues and expenditure side edge contained in the public budget. Often, perhaps excessive zeal in translating domain-specific phrases are even officially speak about "fiscal policy measures", with reference to all areas of the budget, containing and thus the budget expenditure. Budgetary policy has several specific policy budget subdomains like Cookie fiscal policy, budget expenditure allocation Polti, policy and public loans.

  20. Sustainable renovation concepts for single-family houses

    DEFF Research Database (Denmark)

    Vanhoutteghem, Lies; Tommerup, Henrik M.; Svendsen, Svend

    countries are to have competitive power compared to new houses on the future housing market. If the market is able to explain this to the homeowners there is an open market with undreamt-of possibilities. Good technical solutions exist but need to be combined based on the full range of (standard) solutions......, the financial possibilities of the homeowner etc. Calculation of packages of energy efficient renovation solutions targeted the three segments of houses show that primary energy use and heating bill can be reduced with up to about 75% or a factor 4 corresponding to the level of a new house or better. It seems...... an economy in balance in the sense that the annual payment on a cheap loan, e.g. mortgage refinancing, to finance the investment is not fully offset by the expected annual energy savings. Since, the cost of energy measures today may not correspond to the increased market value of the house, it is important...

  1. POST-CRISIS HOUSING MARKET PROBLEMS

    Directory of Open Access Journals (Sweden)

    A. L. Sadikov

    2011-01-01

    Full Text Available At present, Russian housing market is characterized, on one hand, with acute shortage of dwellings for absolute majority of the population and on the other hand, with existence of many obstacles that block the market to develop so as to solve this problem. Housing market development trends are discussed along with due consideration of the state housing policy. There are several main directions of this development: increasing scope of little-story and economy class buildings, increased use of resource-saving technologies and widening the practice of public-private partnership. At the same time, state financial support to housing construction is planned to get gradually decreased.

  2. Housing First or no housing? Housing and homelessness at the end of alcohol and drug treatment.

    Science.gov (United States)

    Dyb, Evelyn

    2016-10-01

    The rate of alcohol and drug dependency is high among homeless persons in Norway as well as in other Western societies. National homeless surveys also show a certain correlation between discharge from institutions and homelessness. However, the rate of homelessness versus the rate with fixed abode at the end of specialised alcohol and drug treatment has not been examined using quantitative methods. A cross-sectional survey was conducted in alcohol and drug treatment units in the national health services and private clinics. The survey investigates the housing outcome at the end of treatment compared to the situation at the start of treatment using an individual questionnaire for patients ending treatment in a specific time window. Housing outcome is measured by the odds ratio of having a fixed abode at the end of treatment in relation to main intoxicating substance, type of treatment (in- and outpatient), completing versus cutting short the treatment, housing situation at the start of treatment, socioeconomic capital, mental health problems, individual plan, medical assisted treatment, and a set of background variables. The housing versus homeless situation hardly changes during the treatment period. In both a bivariate analysis and a simple multivariate model, principal intoxicating substance is the strongest predictor of having a fixed abode both before and after treatment. However, a more sophisticated analysis indicates that socioeconomic resources and social capital play along with the preferred intoxicating substance as predictors of having permanent housing. After more than a decade of a housing-led national homeless policy, and wide embracement of Housing First approaches in the European Union, homeless persons entering specialised alcohol and drug treatment are likely to return to the streets and hostels at the end of treatment. Access to housing after treatment is very limited for those lacking resources to solve their housing problem without assistance

  3. 7 CFR 766.355 - Acceleration of loans.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Acceleration of loans. 766.355 Section 766.355... AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Liquidation § 766.355 Acceleration of loans... imposes separate restrictions on accelerations; (ii) The borrower is American Indian, whose real estate is...

  4. 7 CFR 1945.35 - Special EM loan training.

    Science.gov (United States)

    2010-01-01

    ..., District and County employees, provided there has not been a recent training meeting in that State. (b... County personnel properly trained in the current methods of processing EM loan applications and EM loan... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...

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

    Science.gov (United States)

    Mezza, Alvaro; Sommer, Kamila

    2016-01-01

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

  6. 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...

  7. 42 CFR 57.205 - Health professions student loan funds.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Health professions student loan funds. 57.205... FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Health Professions Student Loans § 57.205 Health professions student loan funds. (a) Funds established...

  8. Exit Counseling Guide for Federal Student Loan Borrowers

    Science.gov (United States)

    Federal Student Aid, US Department of Education, 2010

    2010-01-01

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

  9. 42 CFR 60.51 - The student loan application.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false The student loan application. 60.51 Section 60.51... ASSISTANCE LOAN PROGRAM The School § 60.51 The student loan application. When the student completes his or her portion of the student loan application and submits it to the school, the school must do the...

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

    Science.gov (United States)

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

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

  11. 42 CFR 57.305 - Nursing student loan funds.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan funds. 57.305 Section 57.305... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student Loans § 57.305 Nursing student loan funds. (a) Funds established with Federal capital contributions. Any...

  12. 42 CFR 57.308 - Nursing student loan promissory note.

    Science.gov (United States)

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Nursing student loan promissory note. 57.308... Nursing Student Loans § 57.308 Nursing student loan promissory note. (a) Promissory note form. Each nursing student loan must be evidenced by a properly executed promissory note in a form approved by the...

  13. 34 CFR 682.102 - Obtaining and repaying a loan.

    Science.gov (United States)

    2010-07-01

    ... lender may use for the new loan. (d) Consolidation loan application. Generally, to obtain a Consolidation loan, a borrower completes an application and submits it to a lender participating in the Consolidation..., a borrower is not required to make any principal payments on a Stafford loan during the time the...

  14. 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 authorities in Lagos, Nigeria. At the core of the argument is the anthropology of proper and acceptable sleeping arrangements, particularly as it applies to households' ethnic and cultural groups. The study examined the crowding levels ...

  15. The changing shape of the East Asian housing model

    NARCIS (Netherlands)

    Ronald, R.; Doling, J.; Doling, J.; Ronald, R.

    2014-01-01

    While patterns of housing policy, production and occupation are quite diverse, housing interventions in developed East Asian economies have historically focused on high volume housing output targeted at economically productive, male-headed family households. This focus has been associated with the

  16. 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.

  17. 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...... retrofitting of social housing. The comparison focus on two things in particular: 1) how social housing reforms influence the material and symbolic motives for social housing associations in the two systems to deliver in relation to these four objectives, and 2) How changes in governance relations between...... local governments and social housing associations impact the strategies developed by social housing associations in this regard. Drawing on the comparison, the paper suggests that Danish social housing actors lack clear incentives to become proactively involved in sustainable urban regeneration...

  18. United States housing, 2013

    Science.gov (United States)

    Delton Alderman

    2016-01-01

    This publication provides an overview of the 2013 U.S. housing market, including updated information and data, and is part of an ongoing series of quarterly and annual housing reports that provide historical information on housing permits, starts, houses under construction, and completions. In addition, short briefs present information regarding house sales,...

  19. House Demolitions

    Directory of Open Access Journals (Sweden)

    Mordechai Kremnitzer

    2015-05-01

    Full Text Available This article discusses the nature of “house demolitions” as used by the State of Israel in the West Bank and East Jerusalem. In our opinion, and in contrast to the view of Israel’s Supreme Court, such demolition orders constitute a penal sanction. As a penal sanction, we argue that this measure violates the basic principles of criminal liability. Even if this conclusion is not accepted, it will be argued that making innocent people homeless is an illegal collective measure. Even if assuming arguendo that it is not an illegal collective measure, it violates the basic principle of personal responsibility. The general conclusion of the article is that the examination of the nature of sanctions should go beyond the labels that are attached to them. Labeling sanctions as either penal or civil may not always reflect its true nature, and labels are sometimes deliberately used or rather misused in order to escape from the requirements stemming from the true essence of a sanction.

  20. 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.

  1. The strategic facilities management organisation in housing

    DEFF Research Database (Denmark)

    Nielsen, Susanne Balslev; Jensen, Per Anker; Jensen, Jesper Ole

    2012-01-01

    Two houses in the same street can be built in the same year, they can look the same, and still they might provide very different support for sustainable living. This article points to the Strategic Facilities Management Organisation (SFMO) as the most important concept, to understand and manage...... implementation of sustainable facilities management in housing administration. The concept provides a frame for understanding the roles and relations of tenants, owners, administrators and operators. The paper is based on a Danish research project on environmentally sound building operation including literature...... literature on sustainable facilities management, where it fills a gap as it deals with housing and strategic FM. Intended readers are those interested in housing administration and especially the transition of existing housing into more sustainable housing. Intended readers include building owners, policy...

  2. Do Lower Lender Subsidies Reduce Guaranteed Student Loan Supply?

    OpenAIRE

    D. Andrew Austin

    2010-01-01

    The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous subsidies, a simple model of the student loan market suggests that small changes in subsidy levels should not affect loan supply. Empirical results based on...

  3. 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

  4. ACED Allegheny Home Improvement Loan Program (AHILP)

    Data.gov (United States)

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

  5. United States housing, 2012

    Science.gov (United States)

    Delton Alderman

    2013-01-01

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

  6. American Housing Survey (AHS)

    Data.gov (United States)

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

  7. TARP Monthly Housing Scorecard

    Data.gov (United States)

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

  8. Temporary Dwelling of Social Housing in Turin. New Responses to Housing Discomfort

    Directory of Open Access Journals (Sweden)

    Giulia Bau’

    2014-05-01

    Full Text Available In Turin the Compagnia di San Paolo had fostered two social housing initiatives, committed in handling the complex and fragmented housing discomfort issue. In the face of the social, economic and cultural development that has radically changed the housing emergency distinctive features, the new housing policies, realised with interventions of Edilizia Residenziale Sociale (ERS,  represent one possible response to the growing housing needs of a wide segment of population. The two temporary dwelling of social housing are born under a common denominator: the challenge has required the ability to find the balance between solidarity, social inclusion, housing rights and the real estate market. In the meantime they represent city laborato¬ries where testing good practices and innovative usual procedures and engine of new experiences and future experimentations.

  9. National Asset Management Agency Management of Loans

    OpenAIRE

    Buckley, John

    2012-01-01

    Report of the Comptroller and Auditor General National Asset Management Agency – Management of Loans I have, in accordance with the provisions of Section 9 of the Comptroller and Auditor General (Amendment) Act, 1993, carried out an examination of the arrangements for the management of loans by the National Asset Management Agency. I hereby submit my report on the above examination for presentation to Dáil Éireann pursuant to Section 11 of the said Act. John Buckley Comptroller...

  10. 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... housing choices available to them regardless of their race, color, religion, sex, handicap, familial... programs shall pursue affirmative fair housing marketing policies in soliciting buyers and tenants, in...

  11. NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ILIE RĂSCOLEAN

    2014-12-01

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

  12. How Do Stamp Duties Affect the Housing Market?

    OpenAIRE

    Davidoff, Ian; Leigh, Andrew

    2013-01-01

    Land transfer taxes are a substantial portion of the cost of moving house in many developed countries. Since stamp duties are endogenous with respect to the house price, we create an instrumental variable that is the stamp duty on a property, given that postcode's starting house price and the national house price trend. In a specification with postcode and year fixed effects, this instrument effectively captures policy changes and nonlinearities in the stamp duty schedule. We find that the im...

  13. Michael Shapcott: Affordable Housing and Homelessness in Canada

    OpenAIRE

    Shapcott, Michael

    2012-01-01

    Michael Shapcott is Director of Affordable Housing and Community Innovation at the Wellesley Institute, an independent, non-profit policy, research and social enterprise / innovation institute that is celebrating ten years of advancing urban health. Michael has worked extensively in Toronto, in many parts of Canada, nationally and internationally on housing and housing rights, poverty, social exclusion, urban health and health equity. He has worked on housing rights issues with the United Nat...

  14. White House Communications Agency

    National Research Council Canada - National Science Library

    Gimble, Thomas

    1995-01-01

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

  15. 77 FR 15116 - Notice of Proposed Information Collection: Comment Request; FHA-Insured Mortgage Loan Servicing...

    Science.gov (United States)

    2012-03-14

    ... Processing, Escrow Administration, Customer Service, Servicing Fees and 235 Loans AGENCY: Office of the... Proposal: FHA-Insured Mortgage Loan Servicing for Performing Loans; MIP Processing, Escrow Administration...

  16. Policy Reader

    International Nuclear Information System (INIS)

    1985-09-01

    This policy reader comprises: Correspondence; Memorandum of Understanding between the US Department of Transportation and the US Department of Energy for the Transportation of Radioactive Materials under the Nuclear Waste Policy Act; Internal Guidelines for Interactions with Communities and Local Governments; Statement by Ben C. Rusche before the Committee on Interior and Insular Affairs, Subcommittee on Energy and the Environment, US House of Representatives, September 13, 1985; Speech presented by Ben C. Rusche before the ANS/CNS/AESJ/ENS Topical Meeting, Pasco, Washington, September 24, 1985 - ''Status of the United States' High-Level Nuclear Waste Disposal Program''; and ''DOE Seeks Comments on Nuclear Transportation Planning,'' DOE News, September 30, 1985

  17. 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.

  18. 75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC

    Science.gov (United States)

    2010-05-18

    ... lending and, when they fail, farmers and ranchers and cooperatives can be left seeking new lenders to meet..., and others have asked whether System institutions, directly or in partnership with other market..., to eligible cooperative associations. See 12 U.S.C. 2001 et seq. When a bank fails and the FDIC is...

  19. 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.

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

    Science.gov (United States)

    Delisle, Jason; Holt, Alexander

    2015-01-01

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

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

    Science.gov (United States)

    Project on Student Debt, 2016

    2016-01-01

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

  2. 7 CFR 1822.261 - General.

    Science.gov (United States)

    2010-01-01

    ... PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies, Procedures, and Authorizations § 1822.261 General. This subpart sets forth the policies and procedures and...

  3. Housing, income support and mental health: points of disconnection.

    Science.gov (United States)

    Forchuk, Cheryl; Joplin, Libbey; Schofield, Ruth; Csiernik, Rick; Gorlick, Carolyne; Turner, Katherine

    2007-12-12

    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.

  4. 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.

  5. 78 FR 8353 - Rural Broadband Access Loans and Loan Guarantees

    Science.gov (United States)

    2013-02-06

    ... characteristics, suggesting that policy, economic, and social factors can overcome common barriers to broadband... persistent poverty counties, traditionally the most costly to serve areas. As noted in the ERS study, rural... Executive Order 12988, Civil Justice Reform. The Agency has determined that this rule meets the applicable...

  6. Redistribution, Growth, and Inclusion : The Development of the Urban Housing System in China, 1949-2015

    NARCIS (Netherlands)

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

    2017-01-01

    This paper explains the development of the urban housing system in China from 1949 to 2011 with an emphasis on the factors driving housing inequality in each policy period. We argue that the logic underpinning the housing policy had shifted from socialist redistribution to the stimulation of growth

  7. Mexico - Low Income Housing : Issues and Options, Volume 2. Background Studies

    OpenAIRE

    World Bank

    2002-01-01

    This report evaluates the shortcomings of current housing policies, and provides a framework for analysis of alternative policies. Its message is threefold: First, housing has a significant role in terms of basic social support, where the housing unit is a source of capital accumulation, thus a key to expanding Mexico's middle class, from a minority to a majority. Second, the country is fa...

  8. Mexico - Low Income Housing : Issues and Options, Volume 1. Main Report

    OpenAIRE

    World Bank

    2002-01-01

    This report evaluates the shortcomings of current housing policies, and provides a framework for analysis of alternative policies. Its message is threefold: First, housing has a significant role in terms of basic social support, where the housing unit is a source of capital accumulation, thus a key to expanding Mexico's middle class, from a minority to a majority. Second, the country is fa...

  9. DIVIDEND POLICY IN SAUDI ARABIA

    OpenAIRE

    Dialdin Osman; Elsaudi Mohammed

    2010-01-01

    We examine dividend policy in a unique environment in Saudi Arabia, where (1) firms distribute almost 100% of their profits in dividends, (2) firms are highly levered mainly through bank loans, and (3) there are no income or capital gains taxes. Some common factors that affect dividend policy of both financial and non-financial firms, we found some factors that affect only non-financial firms. In particular, the common factors are profitability, size, and business risk. Government ownership, ...

  10. Guaranteed Loan Programs Are an Increasing Risk. Statement of Donald H. Chapin given before the Committee on Government Affairs, United States Senate.

    Science.gov (United States)

    Chapin, Donald H.

    Testimony is presented concerning the financial burden the United States government is expected to endure from the billions of dollars in loans it has guaranteed (and continues to guarantee) for business, education, housing, and other purposes, many of which are in areas now experiencing economically hard times. The testimony discusses predicting…

  11. Integrating architectural, social and housing history

    OpenAIRE

    Lawrence, Roderick J.

    2017-01-01

    The growth of interest in urban and housing history during recent decades has produced a large volume of studies that has examined broad societal parameters, or themes, such as housing policies, economics and legislation. Concurrently, a growing volume of historical research about households and families has been published, but few studies examine the lifestyles and values of the residents. In sum, there rarely has been any systematic analysis of how longitudinal developments in domestic life...

  12. 26 CFR 301.7701-13A - Post-1969 domestic building and loan association.

    Science.gov (United States)

    2010-04-01

    .... (5) Residential real property loan. (6) Church loan. (7) Urban renewal loan. (8) Institutional loan...) In general. The term “property used in the association's business” means land, buildings, furniture...

  13. Safety of Municipal Loan in Ukraine

    Directory of Open Access Journals (Sweden)

    Stetsenko Tetiana V.

    2014-03-01

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

  14. The Affordable Housing Crisis: Residential Mobility of Poor Families and School Mobility of Poor Children.

    Science.gov (United States)

    Crowley, Sheila

    2003-01-01

    Helping poor families increase their residential stability can have direct bearing on school stability and student academic achievement. Discusses the role of housing in child and family wellbeing; residential mobility and school performance; residential mobility and housing problems; housing affordability; (federal housing policy); homeownership;…

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

    Directory of Open Access Journals (Sweden)

    Seyed Kazem Ebrahimi

    2013-02-01

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

  16. 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.

  17. 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.

  18. 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,

  19. Energy efficiency in existing detached housing

    DEFF Research Database (Denmark)

    Gram-Hanssen, Kirsten; Christensen, Toke Haunstrup

    This memo is 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...

  20. 76 FR 62050 - Issuance of a Loan Guarantee to Abengoa Bioenergy Biomass of Kansas, LLC for the Abengoa...

    Science.gov (United States)

    2011-10-06

    ... million loan guarantee under Title XVII of the Energy Policy Act of 2005 (EPAct 2005) to Abengoa Bioenergy... Efficiency and Renewable Energy (EERE) Golden Field Office. DOE published a Record of Decision (ROD) on... Section 1705 projects include renewable energy projects and related manufacturing facilities, electric...

  1. Decreasing Your Student Loan Cohort Default Rate: Leading a College-Wide Change Initiative at Mohave Community College

    Science.gov (United States)

    Charles, Kayla D.; Sheaff, Shannon; Woods, Jann; Downey, Lisa

    2016-01-01

    Burgeoning student debt and the ability of programs to adequately prepare students for jobs that will allow them to repay that debt comprise a topic of great interest in the current higher education policy environment. A key accountability measure used by the Department of Education for more than two decades has been the student loan cohort…

  2. 7 CFR 1786.209 - Outstanding loan documents.

    Science.gov (United States)

    2010-01-01

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

  3. 42 CFR 57.313a - Loan cancellation reimbursement.

    Science.gov (United States)

    2010-10-01

    ... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Nursing Student... of all loans and interest canceled under this subpart for full-time employment as a nurse, death, or...

  4. 76 FR 56091 - Expansion of 911 Access; Telecommunications Loan Program

    Science.gov (United States)

    2011-09-12

    ... Access; Telecommunications Loan Program AGENCY: Rural Utilities Service, USDA. ACTION: Interim rule with... the Telecommunications Loan Program. DATES: This rule is effective on September 12, 2011. Comments... INFORMATION CONTACT: David Villano, Assistant Administrator, Telecommunications Program, USDA--Rural Utilities...

  5. 7 CFR 4279.113 - Eligible loan purposes.

    Science.gov (United States)

    2010-01-01

    ... agricultural-production portion of any loan will not exceed 50 percent of the total loan or $1 million... guarantee fee. (v) Tourist and recreation facilities, including hotels, motels, and bed and breakfast...

  6. 75 FR 23219 - Information Collection; Direct Loan Servicing-Special

    Science.gov (United States)

    2010-05-03

    ... Loan Programs provide loans to family farmers to purchase real estate and equipment and finance... information collection of this issue of the Federal Register. You may submit comments by any of the following...

  7. 7 CFR 1427.170 - Quantity for loan.

    Science.gov (United States)

    2010-01-01

    ... necessary to protect the interests of CCC on the basis of one or more of the following risk factors: (1... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis...

  8. 13 CFR 120.383 - Restrictions on loan processing.

    Science.gov (United States)

    2010-01-01

    .... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender or Preferred Lender shall not make a defense economic assistance loan under the PLP or CLP programs...

  9. Social Housing in Denmark

    DEFF Research Database (Denmark)

    Vestergaard, Hedvig; Scanlon, Kath J

    2014-01-01

    Social housing is a cornerstone in the Danish welfare society and is accessible for all households. By law, social housing must be rented at cost rents, which are based on historical costs; rents do not respond to market forces. Social housing aims to provide good standard, secure and affordable...... housing for all. It especially addresses the housing needs of lower-income households as well as new house-holds. This chapter presents how the self-owning Danish non-profit housing associations construct and manage one fifth of the Danish housing stock. Here the tenants’ democracy sets the framework...... for the individual associations as well as each housing estate. In principle, each estate and the association it belongs to must balance its books. An important feature of the sector is the build-up of a funding system which makes it possible to support the financing of major renovations and energy measures as well...

  10. アメリカの大学の基本財産と奨学金 : プリンストン大学のNo-Loan Policyに着目して

    OpenAIRE

    長野, 公則

    2013-01-01

    There was a steady rise in American college and university endowments during the five year from 2002 to 2007. The cost of attendance for undergraduate students increased substantially in many colleges and universities during this period. High tuition and high student loans became common in many colleges and universities. / This study focuses on the No-loan policy at Princeton University. This study compares the policies of the three universities - Princeton, Yale, and Harvard - through an ana...

  11. ASSESSING THE IMPACT OF FINANCIAL POLICIES ON NIGERIA'S ...

    African Journals Online (AJOL)

    exist between some financial policy variables and economic growth in Nigeria. An Overview of Recent ... these financial measures on the growth of the national economy and suggest further policy measures for ... concluded that monetary policy can do little to ease a credit crunch that arises because of increasing loan risk.

  12. Situation-Based Housing

    DEFF Research Database (Denmark)

    Duelund Mortensen, Peder

    2011-01-01

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

  13. House Price, House Quality and Economic Growth

    NARCIS (Netherlands)

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

    2010-01-01

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

  14. 7 CFR 761.9 - Interest rates for direct loans.

    Science.gov (United States)

    2010-01-01

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

  15. 12 CFR 705.7 - Loans to participating credit unions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans to participating credit unions. 705.7 Section 705.7 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS COMMUNITY DEVELOPMENT REVOLVING LOAN PROGRAM FOR CREDIT UNIONS § 705.7 Loans to participating credit unions...

  16. Do Lower Lender Subsidies Reduce Guaranteed Student Loan Supply?

    Science.gov (United States)

    Austin, D. Andrew

    2010-01-01

    The article analyzes effects of borrower interest rates and student lender subsidies on federally guaranteed student loan volumes from 1988 to 1994 and from 1996 to 2006. Some have argued that lender subsidy cuts would reduce loan supply or cause lenders to exit the student loan market. If lenders get economic rents due to overly generous…

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

    NARCIS (Netherlands)

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

    2009-01-01

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

  18. 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... AGRICULTURE PROGRAM REGULATIONS GENERAL Delegations of Authority § 1900.6 Chair, Loan Resolution Task Force. The Chair, Loan Resolution Task Force is delegated the following authorities, to be exercised until...

  19. 7 CFR 1703.112 - Expedited telecommunications loans

    Science.gov (United States)

    2010-01-01

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

  20. 13 CFR 120.884 - Ineligible costs for 504 loans.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Ineligible costs for 504 loans. 120.884 Section 120.884 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS... for 504 loans. Costs not directly attributable and necessary for the Project may not be paid with...