DID - Finance and Communities - Vol 10, No 2
Published by Développement international Desjardins (DID)
Added on 15 July 2010
Member Publications
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Housing Gets Sick on Keynesian Roller Coaster
Published by the American Enterprise Institute
Added on 12 July 2010 -
A Global Solution for Cross Border Financial Resolutions
Published by the American Enterprise Institute
Added on 01 July 2010 -
Missing the Point: Lessons from The Big Short
Published by the American Enterprise Institute
Added on 30 June 2010 -
Lots of Regulatory Expansion but Little Reform
Published by the American Enterprise Institute
Added on 22 June 2010 -
The Pfandbrief 2009/2010 Facts and Figures about Europe's Covered Bond Benchmark
Published by Association of German Pfandbrief Banks
Added on 15 June 2010 -
Fact Book Real Estate Banking Committed to Professionalism
Published by Association of German Pfandbrief Banks
Added on 15 June 2010 -
EMF Study on the Cost of Housing in Europe 2010
Published by the European Mortgage Federation.
Added on 01 June 2010 -
Household Reaction to the Financial Crisis: Scared or Scarred?
Published by the Mortgage Bankers Association's Research Institute for Housing America
Added on 11 May 2010 -
Reform of the Housing Finance System
Published by the American Enterprise Insitute
Added on 27 April 2010 -
What Should the New System Be Able to Do?
Published by the American Enterprise Institute
Added on 26 April 2010 -
Current Housing Research
Published by the Canada Mortgage and Housing Corporation
Added on 15 April 2010 -
Building a Better Low-Income Housing Tax Credit
Published by the American Enterprise Institute
Added on 12 April 2010 -
What Happens to Household Formation in a Recession
Published by the Mortgage Bankers Association's Research Institute for Housing America
Added on 07 April 2010 -
Protecting Consumers in the Financial Marketplace
Published by the American Enterprise Institute
Added on 02 April 2010 -
Debtor Selection: Resolving Insolvent, Globally Active Financial Firms
Published by the American Enterprise Institute
Added on 30 March 2010 -
Exercising Judgment Is Just Too Risky
Published by the American Enterprise Institute
Added on 25 March 2010 -
An investigation into the quantification and extend of supply chain finance to small, medium and micro enterprises
Published by Finmark TrustAdded on 20 March 2010 -
Market Failure or Government Failure?
Published by the American Enterprise Institute
Added on 19 March 2010 -
Why Canada Avoided a Mortgage Meltdown
Published by the American Enterprise Institute
Added on 19 March 2010 -
Automatic Recapitalization Alternatives: Working Paper 10-2
Published by the Federal Housing Finance Board
Added on 15 March 2010 -
EMF Methodological Note and Survey on Non-Performing Loans
Published by the European Mortgage Federation
Added on 11 March 2010 -
Overview of the Current State of Knowledge on Societal Outcomes of Housing
Published by the Canada Mortgage and Housing Corporation
Read moreAdded on 10 March 2010 -
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The Dead Shall Be Raised: The Future of Fannie and Freddie
Added on 03 March 2010 -
Lenders' Dangerous Game in Real Estate
Published by the America Enterprise Institute
Added on 03 March 2010 -
Estimating Median House Prices: Working Paper 10-1
Added on 18 February 2010 -
The Traditional Danish Mortgage Model
Added on 16 February 2010 -
Revisions to FHFA’s House Price Index in the Recent National House Price Boom and Bust
Published by the Federal Housing Finance Agency
Added on 15 February 2010 -
DID - Finance and Communities
Published by the Développement International des Jardins (DID)
Added on 31 January 2010 -
Troubled Asset Purchases Turn to Additional Equity
Added on 27 January 2010 -
Safer Homes, Stronger Communities: A Handbook for Reconstructing After Natural Disaster
Published by the World Bank
Added on 15 January 2010 -
Mission Entrepreneurial Entities (MEEs): Essential Actors in Affordable Housing Delivery
Published by the Affordable Housing InstituteAdded on 06 January 2010 -
Housing and Mortgage Markets and the Housing Government-Sponsored Enterprises in 2008
Published by Federal Housing Finance Agency
Read moreAdded on 01 December 2009 -
“Reprivatizing the Financial System,” American Banker
Added on 01 December 2009 -
November news on the housing sector and its financing, urban development and construction
Added on 30 November 2009 -
VIII International Seminar of Housing Finance "The reshaping of the mortgage sector"
Added on 13 November 2009 -
BSA Yearbook 2009-10
Added on 10 November 2009 -
“TARP on a Businesslike Basis,” testimony to the Congressional Oversight Panel for the Troubled Asset Relief Program (TARP)
by: Alex J. Pollock, American Enterprise Institute
Read moreAdded on 01 November 2009 -
“Sarbanes-Oxley in the Light of the Financial Crisis,” AEI Regulation Outlook
by: Alex J. Pollock, American Enterprise Institute
Read moreAdded on 01 November 2009 -
Subprime Crisis: What did we learn? - Chile
Added on 26 October 2009 -
October news on the housing sector and its financing, urban development and construction
Added on 25 October 2009 -
“Deposit Insurance a Persistent Problem,” American Banker
Added on 01 October 2009 -
September news on the housing sector and its financing, urban development and construction
Added on 15 September 2009 -
Understanding Mortgage Arrears
Added on 14 September 2009 -
Housing Patterns of Low Income Families with Children:Further Analysis of Data from the Study of the Effects of Housing Vouchers on Welfare Families (W09-7)
Added on 01 September 2009 -
GH Bank Housing Journal Volume 3, Number 8
Added on 01 September 2009 -
ECBC Fact Book
Published by European Covered Bond Council
http://ecbc.hypo.org/Content/Default.asp?PageID=501Added on 01 September 2009 -
Pro-poor Housing Finance - Thailand Country Report
Published by United Nations Economic and Social Commission for Asia and the Pacific and National Housing Bank of India.
Prepared by: National Housing Authority of Thailand, Community Organisations Development Institute and Government Housing Bank.
Country reporter: Ms. Chantana Chanond
Read moreAdded on 31 August 2009 -
Development of Housing Stock for Moderate and Slightly Below Moderate Income Citizens: Foreign Practices
This book analyzes foreign practices of developing housing stock for moderate and slightly below moderate income households. Individual categories of citizens in the European countries and USA are subsidized and moderate income households are covered by special mortgage programs. Moreover, there is a great variety of construction and housing allocation models there, which stand somewhere between purely market models and social housing models for low-income citizens. The authors review the experience of the UK housing associations and relevant programs implemented in the United States, Scandinavian countries, France, etc. They offer affordable housing supply schemes for moderate and slightly below moderate income citizens that are applicable for Russia.
The book targets state officials, regional and municipal administrations responsible for the housing policy and participants of the housing market (employees of banks, housing and mortgage funds and construction companies).
Added on 21 August 2009 -
Housing Finance Policy in Emerging Markets
New World Bank publication on Housing Finance Policy in Emerging Markets, edited by Loic Chiquier and Michael Lea. 'This volume could not be more timely' comments Guillermo Babatz, President of the Comision Nacional Bancaria y Valores in Mexico. In the aftermath of the Subprime crisis, many countries need to revamp their current housing finance policies. By drawing on the knowledge and the experience from advance and emerging markets, 'this book offers insights around all the building blocks of a housing finance system and guides the reader through the different policy options available in each case and the most common mistakes policy makers must avoid', Mr. Babatz points out. The 16 Chapters of this book cover topics, such as structure and evolution of housing finance systems, mortgage instruments, enforcement of mortgage rights, construction finance in emerging markets, risk management and regulation, housing microfinance and many more.
The book can ordered through the World Bank's Website under publications or at amazon.com.Added on 20 August 2009 -
August news on the housing sector and its financing, urban development and construction
Added on 10 August 2009 -
Household Projections in Retrospect and Prospect: Lessons Learned and Applied to New 2005-2025 Projections (W09-5)
By: George S. Masnick and Eric S. Belsky
Published by Joint Center for Housing Studies - Harvard University.
Read moreAdded on 21 July 2009 -
July news on the housing sector and its financing, urban development and construction
Added on 20 July 2009 -
Access to housing finance in Africa: Exploring the issues in Ethiopia
Published by Finmark TrustAdded on 15 July 2009 -
June news on the housing sector and its financing, urban development and construction - II
Added on 04 July 2009 -
Household Projections in Retrospect and Prospect: Lessons Learned and Applied to New 2005-2025 Projections (W09-5)
Added on 01 July 2009 -
Development of the real estate rights system in Russia in 1989-2009
Prepared by Alexander Puzanov, General Director of the Institute for Urban Economics, for the Word Bank, June 2009.
Read moreAdded on 21 June 2009 -
June news on the housing sector and its financing, urban development and construction - I
Added on 15 June 2009 -
The Pfandbrief 2008/2009 Facts and Figures about Europe's Covered Bond Benchmark
Published by Association of German Pfandbrief Banks
Added on 15 June 2009 -
GH Bank Housing Journal Volume 3, Number 7
Added on 01 June 2009 -
A Brief Examination of Previous House Price Declines
Published by Federal Housing Finance AgencyAdded on 01 June 2009 -
“Advice, Not Consent: A Case for a Systemic Risk Adviser and against a Systemic Risk Regulator,” AEI Financial Services Outlook
Added on 01 June 2009 -
May news on the housing sector and its financing, urban development and construction - II
Added on 30 May 2009 -
Forced Sales and House Prices (W09-4)
Added on 22 May 2009 -
May news on the housing sector and its financing, urban development and construction - I
Published by Uniapravi
Language: Spanish
Read moreAdded on 18 May 2009 -
Urban Development Regulation in Market Economy
Added on 01 May 2009 -
State Support for Housing Construction and Utility Infrastructure Development
Added on 01 May 2009 -
The Impact of Distressed Sales on Repeat-Transactions House Price Indexes
Added on 01 May 2009 -
“The Human Foundations of Financial Risk,” AEI Financial Services Outlook
Added on 01 May 2009 -
2020 Vision - The Mortgage of the Future
Added on 27 April 2009 -
Access to housing finance in Africa : Exploring the issues in Malawi
Published by Finmark TrustAdded on 15 April 2009 -
Bangladesh: Microfinance and Financial Sector Diagnosic Study
published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 01 March 2009 -
GH Bank Housing Journal Volume 3, Number 6
Added on 01 March 2009 -
Mongolia: Microfinance and Financial Sector Diagnosic Study
Published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 31 January 2009 -
The State of the Nation's Housing 2009 (SON-09)
Added on 01 January 2009 -
The Remodeling Market in Transition (R09-1)
Added on 01 January 2009 -
Access to housing finance in Africa : Exploring the issues in Rwanda
Published by Finmark TrustAdded on 15 December 2008 -
GH Bank Housing Journal Volume 2, Number 4-5
Added on 01 December 2008 -
Access to housing finance in Africa : Exploring the issues in Mozambique
Published by Finmark TrustAdded on 15 November 2008 -
Access to housing finance in Africa : Exploring the issues in Namibia
Added on 15 November 2008 -
China: Microfinance and Financial Sector Diagnosic Study
Published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 01 July 2008 -
Access to housing finance in Africa : Exploring the issues in Uganda
Added on 15 June 2008 -
The Pfandbrief 2007/2008 Facts and Figures about Europe's Covered Bond Benchmark
Published by Association of German Pfandbrief Banks
Added on 15 June 2008 -
India: Microfinance and Financial Sector Diagnosic Study
Published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 01 June 2008 -
GH Bank Housing Journal Volume 2, Number 3
Added on 01 June 2008 -
Kazakhastan: Microfinance and Financial Sector Diagnosic Study
Published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 01 April 2008 -
Pakistan: Microfinance and Financial Sector Diagnosic Study
Published by International Finance Corporation, Kfw Bankengruppe, Frankfurt School of Finance and Management and Symbiotics SA
Read moreAdded on 01 April 2008 -
GH Bank Housing Journal Volume 2, Number 2
Added on 01 March 2008 -
27th IUHF World Congress
September 29 - October 3, 2008 - South Africa http://www.iuhf2008.comAdded on 14 February 2008 -
America's Rental Housing: The Key to a Balanced National Policy (RH08)
Added on 01 January 2008 -
Access to housing finance in Africa : Exploring the issues in Kenya
Published by FinMark TrustAdded on 15 December 2007 -
GH Bank Housing Journal Volume 1, Number 1
Added on 01 December 2007 -
Access to housing finance in Africa : Exploring the issues - Botswana
Published by Finmark TrustAdded on 15 October 2007 -
China’s Homeownership-Oriented Housing Policy: An Examination of Two Programs Using Survey Data from Beijing
Published by Joint Center for Housing Studies
Added on 05 July 2007 -
Access to housing finance in Africa : Exploring the issues - Zambia
Published by Finmark TrustAdded on 15 May 2007 -
“The Cincinnatian Doctrine,” speech to the World Congress of Housing Finance
Added on 01 September 2006 -
Owner Occupancy Ratios
The ownership of property is often taken as an indication not only of the efficiency of a nation's housing finance market, but also of its general prosperity. It signifies the existence of the infrastructure considered by some development economists to be a critical foundation for market forces to act as an engine of growth. The UN Commission on Human Settlements and Habitat considers it a prerequisite for the sustainable development of societies.Added on 04 May 2006 -
European mortgage markets continue to boom in 2004
In the latest release of its annual publication on mortgage markets due out later this month, the European Mortgage Federation will confirm the remarkable progress of Europeâ??s housing and mortgage markets over the past few years. Speaking yesterday at the annual meeting between the European Central Bank and the European Mortgage Federation, Annik Lambert, Secretary General Designate of the European Mortgage Federation commented:Added on 21 October 2005 -
Access to housing finance in the low-income market
Published by Finmark TrustAdded on 15 June 2005 -
Formalizing the Informal Sector
Should Microfinance Play a Role in Mexico's Housing Policy?Housing, in Mexico, is on the agenda. Vincente Fox's goal to reach 750,000 new homes built each year by the end of his term in 2006 is within reach according to many. (The Economist, 2005) In 2004, over 530,000 loans have been made to purchase new homes. (CONAFOVI website, accessed 5/14/05) With over 300,000 of these loans being issued by INFONAVIT, the government mandated private sector workers program, the federal government is playing a big role in the housing boom. This paper appears courtesy of the author and their instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu)
Added on 16 May 2005 -
From Post-War Fledgling Experimentation to Korean-Version New Deal
Where is the End of Mudding Through in Korean Housing Policy?Korea experienced a remarkably rapid economic growth since the 1960â??s and the per capita GNP peaked in 1996 with over US$ 11,380. With the fruits of such economic growth, the housing situation also has substantially improved: the national census of 2000 indicates that the number of housing units per one hundred households was 96 units and the average size of housing unit, about 82m 2 . The figures look quite encouraging; nevertheless, the country has yet to solve its housing problems. This paper appears courtesy of the author and their instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu)
Added on 01 May 2005 -
Housing in Ecuador
Ecuador's housing markets and policies, as in many developing countries, are characterized by high levels of migration from agricultural to urban centers, high levels of squatting and informal housing construction, poor access to services, and a population where over half of all people live or are in danger of living below the poverty line. The government has recently shifted its historical first tier focus of building and providing affordable housing to residents to a second tier role as more of a facilitator and enabler, working together with private concerns to provide housing and services. Ecuador's housing needs are still very large, and even with a promising start it remains to be seen if the new policies and programs will be effective. This paper appears courtesy of the author and his instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu)Added on 01 May 2004 -
A Few Thoughts on Basel II
The cement continues to harden around Basel II. Specifically - and in too much detail-the Bank for International Settlements' Basel Committee on Banking Supervision has issued a third consultative paper on the New Basel Capital Accord. This third and near final round contained little new regarding the capital required to support mortgage lending activities. The relatively few lenders expected to achieve the internal ratings based (IRB) approach will still be given the latitude to establish their own risk weightings, subject to a floor of 10%.Added on 01 June 2003 -
Housing Policy in Chile, the Evolution of dramatic Tensions
The history of the Chilean Housing Policy starts in 1906, and develops frantically during the 20th century. A large set of laws were developed and transformed constituting milestones in the complex and rich legal history of the country. At least three different sources coincide on the list of relevant moments in the evolution of the housing policy in Chile. The sanction of large number of national laws related with housing is one symptom of a continuous effort of the Chilean society that spans for almost one hundred years. Chile made records on housing both at the beginning and end of the 20th century, being the first country in America to sanction a national law about housing and the first country in Latin America to reduce the housing deficit. Both outstanding records might be interrelated. This paper appears courtesy of the author and his instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu)Added on 01 June 2003 -
Poland: Housing Challenge in a Time of Transition
The popular folkloric axiom Housing Matters acquires a poignant significance in the context of countries that are engaged in a wholesale revision of their political, economic and social paradigms. This paper examines the state of Polish housing as a legacy of the socialist period and the transition of the sector to a market economy. It describes housing conditions at the beginning of the transition; uses the housing policy framework conceptualized by WorId Bank consultant Shlomo Angel to trace progress throughout the ensuing decade; and concludes by identifying current strengths and challenges in the emergent Polish housing system.. This paper appears courtesy of the author and her instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu).Added on 01 May 2003 -
Challenges and Opportunities in the Mexican Mortgage Markets - In the Wake of the '95 Financial Crisis
The peso devaluation and ensuing banking crisis of 1995 hit Mexico's housing finance markets hard, making evident certain structural limitations of the system. Though in some respects Mexican commercial banks and the housing finance markets are returning to where they were in the early '90s, the high default rates and temporary vacuum of conventional credit did provide space for new players to emerge and new practices to develop. These changes in the marketplace, along with regulatory shifts, have dramatically altered the mortgage markets in ways that most borrowers consider positive. This paper appears courtesy of the author and his instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu).Added on 01 May 2003 -
2002 Annual Report of The Building Societies Association
Welcome to the new style BSA Annual Report. The Council's intention this year has been to prepare a shorter, more succinct document that gives members and others with an interest in the workings of the Association concise description of the achievements of 2002 and aspirations for 2003.Added on 30 December 2002 -
The Changing Visage of French Housing Policy and Finance: A Half-Century of Comprehensive, Complex and Compelling Home Building
A number of assessments indicate that the state of housing in France today is greatly improved over where it was forty years ago: 73% of French households are satisfied with their place of abode; the average surface area per person is 35 m2 (or approximately 350 sf); 96% of all units have a private bath; and an increasing number of recently constructed dwellings bring to France's housing stock the ever-desired amenities of mare space and everyday comforts. Up from 46.7% in 1978, France's homeownership rate seems to have settled at 54%, which falls somewhere cleanly in the middle of the rest of European averages. Whether this rate has stagnated is of some debate, with most of the blame directed at France's stringent economic policies. But the country's myriad of housing policies have played a role as well in bringing this number up to the level that it is today.This paper appears courtesy of the author and her instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu).Added on 01 June 2002 -
Housing policy in Castro's Cuba
In 1959, Cuba was transformed from a nation led by foreign-based capitalist concerns into a centrally led socialist state. Along with almost every other social institution, housing policy dramatically departed from past policies. While Cuba's housing policies have changed over the past 43 years, they have clearly been borne from three guiding principles #This paper appears courtesy of the authors and their instructor, Nicolas P. Retsinas, Director of the Joint Center for Housing Studies of Harvard University (www.jchs.harvard.edu)Added on 01 May 2002 -
Realkreditrådet Annual report 2001, Summary
This publication is a summary of the Danish version of the annual report for the year 2001 of Realkreditradet (the Association of Danish Mortgage Banks).Added on 30 December 2001 -
Looking for Optimal Financing - Transfer from classical forms of financing to innovated ones
Voltaire supposedly said: If you see a Swiss banker jump out of the window, jump out after him. There is surely something to be gained. But the advice is not so simple when it comes to locating the ideal housing finance solution. This is particularly true when we look at the many products available which are often described as innovative or new.Added on 01 December 2001 -
Mortgage Markets: Why US and EU Markets are so Different
The American market has been characterized by a number of factors which have encouraged the growth of securitization and this, in turn, has substantially reduced the need for mortgage lenders to hold own funds. This paper looks at the key differences between the US and Europe, their implications with regard to capital adequacy regulation and why a similar evolution for Europe seems unlikely.Added on 01 December 2001 -
Effective Housing Finance System
An effective housing finance system is one that can mobilize consumer savings and investor capital and provide adequate housing loans to those in need at the lowest cost in accordance with the country's legal system, economy and general social conditions.
n the writer's opinion, the following factors contribute to an effective housing finance system in any country.Added on 01 October 2001 -
Caribbean Association of Housing Finance Institutions (CASHFI) August 2001 Newsletter
Dr. Julio Escoto, Director General, UGA Dominica was elected new Chairman of CASHFI at the Association's 17 Annual General Meeting held on April 20, 2001. In his address to the AGM held in Santo Domingo, Dominican Republic, Dr Escoto pledged support to a deepening of the work of the Association during his term of office.Added on 01 August 2001 -
Housing Finance in Ghana
It is estimated that given the combined effect of the level of housing deficit from previous years and the rate of population growth, Ghana needs 1.2 million housing units by the year 2005.Added on 01 April 2001 -
Housing Finance in Nigeria: Need for Re-Engineering
The paper sets out to answer the question 'why has housing finance system remained passive and irrelevant in the drive towards Housing delivery? By reviewing the evolution of our socio-economic development, evaluation of the existing structure is carried out. Secondary data were obtained from existing literature on construction industry and housing finance market. The National Housing Policy provided a solid background needed for understanding the operation of the market. This historical survey approach revealed the reasons for failure of existing practice. The conclusion is that we cannot copy models from other nations but rather evolve workable models based on our socio-cultural background. Recommendations are made in this regard.Added on 01 January 2001 -
European Integration: Prospects for the Mortgage Lending Industry
European property and mortgage markets are structurally very different for many reasons. However there are powerful forces which may soon bring about significant changes. In particular, the introduction of a single currency has led to increasing integration of the fifteen hitherto autonomous economies. On January 1 5t 1999, the first 11 Member States embarked on the third and final stage of this important project and merged their national currencies into a single currency which will rival the dollar in terms of economic importance.Added on 01 January 2001 -
2000 Annual Report of the Canada Mortgage & Housing Corporation
For many of us, our homes are both the centre of activity and the heart of our community life with friends and family. We spend time and energy maintaining our homes and rest and rejuvenate ourselves within them.Added on 30 December 2000 -
Principal Changes in Long-term residential Mortgage Lending in Russia during 1998-2000
During this period, the system of long-term residential mortgage lending developed in a fairly difficult economic situation in which the 1998 financial crisis had a decisive role. The crisis caused material changes in the structure of the banking system and its areas of activity, suspended activities on the GKO market, and resulted in higher inflation and the decline in the real income of significant population groups. Several of the largest system-forming banks terminated activities, causing major losses to their clients. People who have lost their savings in the crisis have also lost their trust in commercial banks. The crisis also undermined the confidence of corporate investors, both foreign and domestic, in the long-term instruments which were to be issued on the basis of mortgage loans. Signs of positive change in the banking system appeared only at the beginning of 2000.Added on 01 October 2000 -
Book Review of 'Models of Trade Association Co-Operation' by Mark Boléat
It is hardly news to state that financial markets have changed rapidly all over the world during the last 20 years. The key drivers have been new technology and deregulation. As a result the old boundaries between banks, building societies, savings and loans institutions, insurance companies, securities houses and fund management firms have almost disappeared. In the UK a number of building societies have turned into banks. Most large retail insurance companies have banking subsidiaries; most large banks have insurance company subsidiaries. Banks, building societies, and insurance companies all offer mutual funds (known as unit trusts in the UK). In America the old barriers between insurance, banking and security companies are breaking down, as have the restrictions preventing inter-state branching. In many parts of Europe the specialist mortgage institutions have become subsidiaries of commercial banks.Added on 01 September 2000 -
Focus on Social Programs
The climate continues to be stable. Proposals outlined in the 2000/01 Budget Presentation indicate that the ruling party fully intends to maintain its popularity by implementing a number of social programs.Added on 01 August 2000 -
European Mortgage Markets: Structure, Funding and Future Development
European property and mortgage markets are structurally very different for many reasons. Powerful factors are at work bringing about significant changes.Added on 01 June 2000 -
Chairman's Address - BSA Annual Conference 2000
Nearing the end of my year in office, about which I may say something later in this Conference, and with the benefit of considerable experience, if not wisdom, in this industry, I think that I have a perspective on which to base what follows.Added on 01 June 2000 -
The Concept of Mortgage Lending Development in the Russian Federation
Mortgage lending is one of the development priorities set by the government housing policies. This Concept is a follow-up of the special federal program «Own Home» approved by Russian Government Regulation #753 of June 27,1996, defining the role of mortgage lending in housing finance, as well as the government strategy for the development of this business.Added on 01 January 2000 -
Plan for Preparation of Draft Laws and Regulations Concerning Development in Mortgage Lending in the Russian Federation
Draft federal law on amendments to the RSFSR Housing Code concerning the establishment of grounds for the eviction of individuals from the pledged residential houses that were acquired through credit sources, in case execution is levied against the pledged residential premise, and for resettlement of individuals in the municipal reserve estate.Added on 01 January 2000 -
IUHF - International Housing Finance Sourcebook 2000
The International Housing Finance Sourcebook 2000, edited by Dr. Michael Lea, offers in-depth reports on 66 different countries around the world. It is divided into six regional sections, each of which features special summaries that provide a panorama on regional housing finance development.
The 66 country reports include:
- Economic Background - Overall conditions, interest rates, currency issues, key economic factors, recent reforms, financial system developments, and monetary and fiscal policies.
- Housing Markets - National policies, market size, profile of housing stock, homeownership and construction trends.
- Mortgage Markets - Trends in mortgage activity and debt, mortgage sources and originators, products characteristics, secondary market and securitisation activities, and unique features that form each country's national mortgage system.
- Policy Developments - Present and future prospects for housing finance, government's role in sector development, legal, regulatory and supervisory framework.
- Expanded list of contacts - Up-to-date list of authoritative, in-country sources, designed to help you learn further.
- Sources and references - Ideal for further study and research
Added on 01 January 2000 -
Indian Housing Finance System
Added on 01 November 1999 -
Home Mortgage Bank Employs High Tech
The Trinidad and Tobago Home Mortgage Bank (HMB) has recorded another year of excellent returns, and proposed to rely on high technological competence for progress into the twenty-first century. The HMB recorded strong growth during the 1998 financial year, and introduced an Automated Underwriting System and a Structured Finance capital Markets programme consistent with the mission to deliver high quality service and efficiency.Added on 01 November 1999 -
Mortgage Financing in Denmark
In Denmark the financing of real property and other long-term fixed investments primarily takes place via mortgage banks. The Danish mortgage credit market is based on the efficient and inexpensive extension of credit based on the following characteristics:Added on 01 November 1999 -
Danish Mortgage Bonds
Danish mortgage bonds have been an attractive investment for Danish investors for generations. Their combination of high yield and high security appeals to both small private investors and major institutions. In particular, the status of Danish mortgage bonds as gilt-edged securities provides the Danish pension funds and insurance companies with an attractive long term investment opportunity.Added on 01 November 1998 -
N.H.T. to provide over 6000 solutions in 1998/99
The National Housing Trust (NHT) in Jamaica has set as its primary objectives for the next 2-3 years to reach as many customers as possible and to deliver service in the most efficient and cost effective manner. During the 1998/99 year the Trust will provide some 6,501 housing solutions valued at $5.5 billion to house 7,692 beneficiaries.Added on 01 March 1998 -
IUHF - National Housing Finance Systems - A comparative Study
Added on 01 January 1985