CHAPTER 8 FEDERAL HOUSING POLICY AND LOCAL HOUSING MARKETS / DIE WOHNUNGSPOLITIK DES BUNDES UND DIE ÖRTLICHEN WOHNUNGSMARKTE

1981 ◽  
pp. 223-253
Author(s):  
John S. Adams
Keyword(s):  
Housing Policy ◽  
Housing Markets ◽  
Federal Housing

An analysis on housing affordability in Malaysian housing markets and the home buyers’ preference

2019 ◽  
Vol 13 (3) ◽  
pp. 375-392 ◽  
Author(s):  
Amy Soon ◽  
Consilz Tan
Keyword(s):  
Housing Policy ◽  
Affordable Housing ◽  
Urban Areas ◽  
Housing Price ◽  
Housing Markets ◽  
Housing Demand ◽  
Housing Affordability ◽  
Monthly Income ◽  
Content Type ◽  
Residential Units

Purpose This paper aims to investigate the housing preference and housing affordability in Malaysian housing markets. There is a lack of research on the gap between supply and demand of houses in this market. Urbanization has increased the demand of houses in urban areas. However, the high demand in residential units increases the housing price which causes the affordability level dropped. Besides, the residences that provided by developers do not meet the expectation of the home buyers. There are three attributes that examined in this research to understand the home buyers’ preference. Design/methodology/approach This paper provides quantitative analysis on the housing affordability and the home buyers’ preference. This paper presents the results on the home buyers’ housing affordability and buying preference on houses. In addition, the study further confirmed the significant relationship between monthly income and type of preferred house, as well as monthly income and range of housing affordability using cross-tabulation analysis. Findings The findings indicated that the housing price in the current market is not affordable by most of the homebuyers and there are certain attributes that important to home buyers which should not be neglected. Research limitations/implications This paper helps to shed light on the planning of Malaysian housing policy especially on the issue of providing affordable housing in urban areas. Practical implications Policymakers shall consider the elements of economics, social acceptance and feasibility of Malaysian housing policies to achieve sustainability in Malaysian housing markets. With the current government’s move to promote housing affordability amongst B40 income groups, local government and housing developers should work together in addressing housing demand in accordance to states and ensure that there is a more targeted housing policy. Social implications With the detailed analysis on the home buyers’ preference, it helps to promote sustainable housing developments in meeting basic housing needs and preference. Originality/value This is the first study to examine relationship between Malaysian housing affordability with monthly income and type of preferred house. In the meantime, the housing affordability is compared with mean housing price and type of perceived affordable house. The paper presented homebuyer’s preference in housing for the consideration of government and housing developers in providing affordable housing.

Holding banks to account for the financial crisis?

2015 ◽  
Vol 23 (1) ◽  
pp. 45-69
Author(s):  
Oonagh Anne McDonald
Keyword(s):  
Financial Crisis ◽  
Housing Policy ◽  
Careful Analysis ◽  
Careful Examination ◽  
Department Of Justice ◽  
Content Type ◽  
Federal Housing ◽  
The Usa ◽  
The Government ◽  
Run Up

Purpose – The purpose of this paper is to examine the ways in which the USA has sought to hold the leading banks to account for the financial crisis and to asses the validity of the methods used. This is the first of two articles which looks at the basis of the Complaints against the banks and the settlements which led to the imposition of large fines on the banks. Design/methodology/approach – The paper first provides an account of the government housing policy from 1995 to 2008 and argues that the cases brought against the banks and then at the legal basis of the charges. The methodology consists of a careful examination of the documentary evidence and an analysis of the changes in the relevant laws used by the Department of Justice when bringing charges against the banks. Findings – The paper concludes that both the basis of the cases against the banks and the purpose of large fines are open to question. Research limitations/implications – Much of the information is available. However, as the major cases against the large banks did not go the court, and the basis of the fines is a settlement between the bank and the Department of Justice, each fine is supported by a relatively brief “Statement of the Facts”. The evidence amassed by subpoenas issued by the Department of Justice is not tested in court. Practical implications – Much greater consideration must be given to more effective ways of holding banks and especially senior executives to account. Social implications – The imposition of large fines does not satisfy the public desire to see that justice is done. Such fines imposed on the ban are not likely to change bank behaviour. Originality/value – Its originality lies in setting out an account of government housing policy and its role in the run-up to the financial crisis. No one has carried out a careful analysis of the cases against the large banks brought by the Department of Justice and, in the second article, by the Federal Housing Finance Agency.

Federal Housing Policy and Hud

1993 ◽  
Vol 29 (1) ◽  
pp. 3-27 ◽  
Author(s):  
Rachel G. Bratt ◽  
W. Dennis Keating
Keyword(s):  
Housing Policy ◽  
Federal Housing

scholarly journals Landlord Paternalism: Housing the Poor with a Velvet Glove

2020 ◽  
Author(s):  
Eva Rosen ◽  
Philip M E Garboden
Keyword(s):  
Housing Policy ◽  
Affordable Housing ◽  
Urban Poor ◽  
Moral Reform ◽  
Social Good ◽  
The Poor ◽  
Self Reliance ◽  
Poor Families ◽  
Federal Housing

Abstract Private landlords play an important role in America’s poverty governance, with profound effects on poor families and neighborhoods. Drawing on data from interviews with 127 landlords in Baltimore, Dallas, and Cleveland, we ask how landlords understand their role as purveyors of affordable housing. We find that landlords think about their tenants in moral terms, drawing upon cultural categories to describe and define their tenants. Landlords see renting to the urban poor as a social good insofar as it facilitates housing those in need on the condition of their moral reform. We identify two components of this strategy: exclusion and reform. Landlords pursue profit through exclusionary tactics such as screening and eviction. While recent research has focused on this component, this article explores how landlords also invest resources in “training” tenants, attempting to mold them into a profitable ideal, rather than replacing them. Using both incentives and surveillance, landlords seek to create a tenant class that conforms to mainstream notions of responsibility and self-reliance. We argue that exclusion and reform are complementary components of paternalistic poverty governance. Landlord paternalism carries special salience in today’s increasingly privatized federal housing policy, where landlords have a great deal of discretion and little oversight.

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