Recently added articles from Housing Finance International:
Social Housing facing the EU Law
Dec 01, 2008; ... The 27 countries that now form the European Union (EU) have a share of 30 % in the world GDP and a total population of 500 million. These countries range from Germany (82 million inhabitants) to Luxemburg and Malta (400,000). They include the ultimate welfare states as well as traditionally ...
Housing Finance in Germany: A Stable Funding Scheme Model
Dec 01, 2008; ... It is now clear that the financial crisis caused by risky forms of funding and financing homes in the USA has hardly left any country and any economic sector unscathed. For, sooner or later, the effects, emanating from the globalisation of markets, have made or will make themselves felt on the ...
Editor's Introduction
Dec 01, 2008; ... Two men look out a window. One sees mud; the other sees the stars. (Oscar Wilde) One definition of perception is the "process of attaining awareness or understanding of sensory information. What one perceives is a result of interplays between past experiences, one's culture and the ...
Housing and Real Estate Bubbles: Thailand's Boom and Bust Cycles
Dec 01, 2008; ... Real estate and housing bubbles were regular media topics during the decade from 1995 to 2006. The issues were regularly discussed in Thailand and largely centered around potential bubbles in China and US real estate. During this period The Economist regularly published reports warning ...
Overview of Financial Systems for Slum Upgrading and Housing
Dec 01, 2008; ... Background Developing countries are experiencing a rapid rate of urbanisation. African cities have some of the fastest rates of urbanisation in the world, followed by Asia (Groves, 2005). The most striking aspect of these urbanizing cities is that, contrary to the predictions of many ...
Housing and Housing Finance: A Social Challenge and Economic Opportunity
Dec 01, 2008; ... Food, clothing and shelter have always been considered a basic human need. It still is today and is likely to assume an even bigger and alarming size in the days to come. Philosophically, it is a basic necessity of all living things on the planet as all animals need food, clothing and shelter to ...
Factors Affecting Borrowers' Choice of Housing Loan Package in Southwestern Nigeria
Dec 01, 2008; ... 1.0 Introduction There are various institutions which offer housing loans that prospective borrowers can access (Case & Clapp, 1978; Boykin, 1979; Floyd, 1980; Ojo, 1981; Ohibokun, 1985; Olufemi,1993). These include, inter alia, primary mortgage institutions (otherwise known as ...
Owning up: What Price Home Ownership?
Dec 01, 2008; ... A view from the West As this paper is being written, the consequences of failings in the US housing sector are reverberating around the world in waves that seem to get stronger and wider by the hour. Only a diehard optimist would bet on things getting better in the near future. How did ...
Editor's Introduction
Sep 01, 2008; ... September 2008 is one of the most amazing months since I have delved into housing finance! First, the US Government took over or nationalised (though labelled "conservatorship") the housing finance giants Fannie Mae and Freddie Mac. Second, seven days later the investment bank Lehman Brothers ...
The Housing Boom and Bust in Spain: Impact of the Securitisation Model and Dynamic Provisioning
Sep 01, 2008; ... Introduction The subprime crisis initiated in the US has affected in particular those countries where the previous housing boom was most pronounced, Spain among them. In these countries the housing bubble was accompanied by a series of common traits: a credit expansion, a reduction in ...
Risk, Governance and the Housing Market1
Sep 01, 2008; ... Introduction Changes in housing provision and housing finance both reflect and require new forms of governance. Governance, for the purposes of this paper, refers to the vertical and horizontal configuration of institutions and agencies which are directly or indirectly involved in the ...
Housing Microfinance in Vietnam: a mass-market still left unattended
Sep 01, 2008; ... Vietnam has shown remarkable growth results in recent years, lifting millions out of poverty in the past decade. This makes the question whether housing microfinance (HMF) could further contribute to Vietnam's development highly relevant. Besides providing an updated overview of the ...
Indonesian Home Purchasers' Loan Preferences
Sep 01, 2008; ... 1. Introduction2 In industrialized countries, the ability to borrow funds to finance housing investment is generally a key determinant of whether a family can afford to become a homeowner. Formal housing finance, i.e., mortgage loans provided by regulated institutions, plays an extremely ...
Shrugging off the Lethargy - Trends in the Uganda Mortgage Market
Sep 01, 2008; ... Overview Uganda's economy is in relative terms wealthier than a crude analysis of GDP per capita figures at $400 would suggest. Its population is 28 million, rising rapidly at 3.2 percent a year. There are 4.5 million dwellings, 78 percent are owner-occupied. However, owner occupation is ...
"Not just another seminar" - or What happened at the FIG/UN HABITAT Stockholm seminar on Improving Slum Conditions through Innovative Financing 16-17 June?
Sep 01, 2008; ... Introduction The role of Housing Finance in alleviating urban poverty is certainly an issue that needs further attention from Housing Finance actors and experts, as well as from the financial sector in general. In reality we all belong to a global, but obscure, market for financial ...