Bibliographies thématiques / Housing policies, mortgage system, first-time-buyers

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Littérature scientifique sur le sujet « Housing policies, mortgage system, first-time-buyers »

Auteur : Grafiati
Publié le 9 mars 2023
Mis à jour le 31 juillet 2025

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Articles de revues sur le sujet "Housing policies, mortgage system, first-time-buyers"

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Zhang, Zhuozhe. "Global Financial Crisis: Cause, Impact and Response." BCP Business & Management 40 (March 8, 2023): 136–48. http://dx.doi.org/10.54691/bcpbm.v40i.4372.

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The subprime crisis is a financial calamity brought on by subprime mortgage companies going bankrupt, investment funds being forced to close, and major stock market shocks. At the start of this century, the US stock market, real estate market, and other asset markets experienced a number of asset bubbles due to excess liquidity, house purchase policy stimulus, financial innovation, and other factors. Along with the tightening of monetary policy, the weakening of the US housing market, and particularly the rise in short-term interest rates, the interest rate for repaying subprime mortgages surg
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Micallef, Brian. "Minimum Income Required to Purchase a Property: Conceptual Framework and Application to Malta." International Journal of Economics and Finance 14, no. 10 (2022): 13. http://dx.doi.org/10.5539/ijef.v14n10p13.

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Housing affordability for potential first-time buyers has two components – the ability to borrow sufficiently from a bank to purchase a property (purchase affordability) and the ability to maintain mortgage repayments (repayment affordability). This paper focuses on the first element by calculating the minimum income required to purchase a property in Malta. Most methods in the housing affordability literature are inadequate to capture the purchase affordability concept, which is critical for first-time buyers. For this segment of the population, bank lending policies and conditions
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Lu, Yimeng. "Domestic and Global Impacts of Chinas Real Estate Crisis." Advances in Economics, Management and Political Sciences 148, no. 1 (2025): 42–45. https://doi.org/10.54254/2754-1169/2024.ld19164.

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A real estate crisis has occurred in China since around 2020. Chinas economy has been seriously impacted since the real estate sector is a significant part of Chinas GDP. This crisis would lead to impacts on both the domestic economy and the global economy. The domestic impacts include a fall in consumer confidence, rising unemployment, increased financial instability, and decreased government revenue; the global impacts include negatively influenced trading markets, a rise in risk for foreign investors, and stress on the international monetary system. To address the problem of the real estate
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Wong, Wang Li, Chin Lee, and Seow Shin Koong. "Housing prices in peninsular Malaysia: supported by income, foreign inflow or speculation?" International Journal of Housing Markets and Analysis 12, no. 3 (2019): 424–41. http://dx.doi.org/10.1108/ijhma-01-2018-0001.

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Purpose This paper is motivated by a concern about the ability of the average Malaysian income to catch up with the rapidly increasing house prices in Peninsular Malaysia. Financial innovation in financial system now regards houses as a financial asset and speculation vehicle. Therefore, a house purchase is made to acquire not merely a necessity but also a financial asset which can generate future returns. Given the problems in the housing market, this paper aims to examine the determinants of house prices in Malaysia, including those such as income, population, foreign inflow and speculation.
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Researcher. "THE RISE OF RENT-TO-OWN MODELS: OPPORTUNITIES AND CHALLENGES." International Journal of Advanced Research in Engineering and Technology (IJARET) 15, no. 5 (2024): 98–118. https://doi.org/10.5281/zenodo.13927768.

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The growth in rent-to-ownership has become an emerging phenomenon in the United States as its total factors change the structural nature of homeownership for people who could be otherwise locked out from the formal channel of accessing homes through purchase. This paper seeks to discuss the main issues that emerged when first-time homebuyers entered the industry, which include the following: high home prices, high interest rates, low wages, and restrictive credit protocols, all of which have made homeownership a dream that has become virtually impossible to achieve. A rent-to-own arrangement i
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Geraskin, Mikhail. "Pricing analysis of interconnected markets of housing, mortgage lending and insurance." Kybernetes ahead-of-print, ahead-of-print (2020). http://dx.doi.org/10.1108/k-12-2019-0849.

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Purpose This paper aims to investigate the problem of searching for the equilibrium in the housing market, the mortgage lending market and the insurance market in the process of selling the residential property. Three classes of markets are established in three modes, which reflect the interdependence of the firms’ interests in these markets through the parameters of their integration. The paper aims to determine the prices in these markets on the basis of the compromises among the conflicting interests of the related firms, and, in addition, to assess the rationality of integration for firms,
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Benavides Franco, Julian, Julio César Alonso Cifuentes, Jaime Andrés Carabalí Mosquera, and Anibal Sosa. "On the feasibility of reverse mortgages in Colombia." International Journal of Housing Markets and Analysis, October 11, 2021. http://dx.doi.org/10.1108/ijhma-05-2021-0063.

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Purpose The Colombian Government proposed a reverse mortgage mechanism to complement retirement income in Colombia. This paper aims to study its feasibility by valuing its premia. Design/methodology/approach Under a reverse mortgage scheme, banks issue put options on an owner’s home. To value the option, the authors apply a risk-neutral canonical approach modeling its three sources of risk: home future value, interest rate levels and homeowner life expectancy. Findings In all, premia values do not seem too high. However, if future interest rates are above the simulations or home appreciation i
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Carro, Adrian, Marc Hinterschweiger, Arzu Uluc, and J. Doyne Farmer. "Heterogeneous effects and spillovers of macroprudential policy in an agent-based model of the UK housing market." Industrial and Corporate Change, July 13, 2022. http://dx.doi.org/10.1093/icc/dtac030.

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Abstract We develop an agent-based model of the UK housing market to study the impact of macroprudential policy experiments on key housing market indicators. The heterogeneous nature of this model enables us to assess the effects of such experiments on the housing, rental, and mortgage markets not only in the aggregate, but also at the level of individual households and sub-segments, such as first-time buyers, homeowners, buy-to-let (BTL) investors, and renters. This approach can, therefore, offer a broad picture of the disaggregated effects of financial stability policies. The model is calibr
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Kilonzo, Hilary Mati, Moses Muriithi, and Benedicto Onkoba Ongeri. "Drivers of housing financing in Kenya." International Journal of Housing Markets and Analysis, January 17, 2025. https://doi.org/10.1108/ijhma-09-2024-0139.

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Purpose Housing finance is frequently difficult to provide in developing nations due to unstable macroeconomic conditions and a lack of supportive legal, technological and regulatory frameworks (Lea and Bernstein, 1996). Governments in these countries have, therefore, created a range of organizations and initiatives to improve the flow of capital to the housing market on a footing that is affordable to their populations given the household income levels (Ram and Needham, 2016). Housing, however, is by its very nature a significant investment requiring a considerable capital outlay at the onset
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Tita, Anthanasius Fomum, and Pieter Opperman. "Understanding the behaviour of house prices and household income per capita in South Africa: application of the asymmetric autoregressive distributed lag model." International Journal of Housing Markets and Analysis ahead-of-print, ahead-of-print (2021). http://dx.doi.org/10.1108/ijhma-02-2021-0018.

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Purpose Homeownership provides shelter and is a vital component of wealth, and house purchase signifies a lifetime achievement for many households. For South Africa confronted with social and structural challenges, homeownership by the low and lower middle-income household is pivotal for its structural transformation process. In spite of these potential benefits, research on the affordable housing market in the context of South Africa is limited. This study aims to contribute to this knowledge gap by answering the question “do changes in household income per capita have a symmetric or asymmetr
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Thèses sur le sujet "Housing policies, mortgage system, first-time-buyers"

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MAESTRONI, CHIARA. "Deregolamentazione del mercato del credito ipotecario: rischi e benefici per i compratori di prima casa. Newcastle upon-tyne e Genova, due città a confronto." Doctoral thesis, Università degli Studi di Milano-Bicocca, 2010. http://hdl.handle.net/10281/7615.

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The thesis analyses how the financial resources define the first time buyers housing access in England and Italy. A picture of the two countries’ credit systems is made, and the local system data about an English city, Newcastle-upon-Tyne, and an Italian one, Genova will be taken into consideration. The choice of the case studies is linked to the Esping-Andersen's and Allen's typology of the welfare state and to the international trends. Even if Esping-Andersen had classified England as a liberal country, the role of the state in housing policies has been strong. In fact England has h
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Chapitres de livres sur le sujet "Housing policies, mortgage system, first-time-buyers"

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Meen, Geoffrey, and Christine Whitehead. "Housing Demand, Financial Markets and Taxation." In Understanding Affordability. Policy Press, 2020. http://dx.doi.org/10.1332/policypress/9781529211863.003.0007.

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In Chapter 7, fiscal and monetary policies are considered and particular attention is paid to structural changes in mortgage finance markets. From the early 1980s the UK experienced two periods of strong mortgage growth: the first lasted until the recession of the early 1990s and the second started in the mid-1990s and ended with the Global Financial Crisis (GFC). However, a distinguishing feature of the GFC period was the fall in mortgage advances, which has never been fully reversed. Credit tightening causes particular problems for first-time buyers as compared to the majority of current own
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