Home ownership : getting in, getting from, getting out

Online-Ressource (271 p)

ill

Housing and urban policy studies ; 29

Includes bibliographical references

Title page; Contents; Gains and losses for European home owners; Introduction; Gains; Losses; Discussion; The contribution of the chapters in this book; First time buyers in Finnish housing markets; Introduction; Finnish housing markets and first time buyers; First time buyers in 2001; Comparison between first time buyers in 1992 and 2001; Scope for housing policy?; Conclusions; 'The quantified customer', or how financial institutions value risk; Risk and home ownership; Risk selection in the mortgage market; The power of quantification; Credit risk management; Profiling; Credit scoring

Social-demographic dataAcceptance policy and credit limits; Difficulties and risk; Conclusions; Optimal mortgage choices within different institutional contexts; Introduction; Model and data; Modelling the spot rate and the appropriate yield curve; Estimation procedure; Data; Optimal mortgage choices in a cost-risk framework; Introduction; Optimal mortgage choice strategies; Results; Discussion; Modelling the costs and risk of mortgages; Affordable and low-risk home ownership; Introduction; A search for different forms of affordable and low-risk home ownership in four countries

Further analysis of three Dutch tenuresConclusions; Affordability, need and the intermediate market: Responding to the challenge in pressured regions; Introduction; Concept of affordability; Measurement and modelling of affordability and access; Affordability over space and time; The intermediate market; Concluding discussion; Structural changes in the Danish market for owner-occupation; Changing conditions and changing structures for owner-occupation; Owner-occupation - an economic policy target; Owner-occupation - the aspired form of tenure; Owner-occupation data and the statistical sources

Owner-occupation - the changing numbers and ratesOwner-occupation - changes in quantities through structural policy and economic policy; Owner-occupation - ups and downs in house prices; Owner-occupier families' housing wealth/income ratios; Owner-occupier's housing wealth/income ratios, by age; Housing wealth/income ratios for young owneroccupies families; Rates of change in housing wealth/income ratios during a bust and boom period; How do people finance the increasingly expensive owner-occupied dwellings?; Conclusion; Mortgage equity withdrawal and remortgaging activity; Introduction

The Bank of England's measure of MEWThe component flows of MEW; Survey of English Housing data; Average amounts of equity withdrawal over time; Remortgagers and equity withdrawal; Reasons for remortgage; Characteristics of remortgagers; Serial remortgaging; Are movers also remortgaging and withdrawing equity?; Households' equity position; Conclusion; Home ownership, poverty and educational achievement; Introduction; Review of factors affecting educational attainment; Methodology; Results of modelling; Concluding discussion; Payment difficulties of home owners in Germany; Introduction

Context: The owner-occupied sector of the German housing market

Electronic reproduction; Available via World Wide Web

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