Mortgage Repayment Difficulties
Author: Building Societies Association
Publisher: Building Societies Associat
Published: 1985
Total Pages: 112
ISBN-13: 0903277662
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Surviving Debt
Author:
Publisher:
Published: 2024
Total Pages: 0
ISBN-13: 9781602482104
DOWNLOAD EBOOKThe Mortgage Rescue Scheme
Author: Great Britain. National Audit Office
Publisher: The Stationery Office
Published: 2011
Total Pages: 36
ISBN-13: 9780102969702
DOWNLOAD EBOOKThe Mortgage Rescue Scheme, since it was launched in January 2009 by the Department for Communities and Local Government, achieved fewer than half of the rescues expected. The Department directly helped 2,600 households avoid repossession and homelessness at a cost of in excess of �240 million - but it originally expected to help 6,000 households for �205 million. Under the Scheme, vulnerable homeowners at imminent risk of repossession who fulfil the eligibility criteria can apply to housing associations to provide them with an equity loan to help them reduce their monthly mortgage payments and retain ownership; or, alternatively, to purchase the home outright with the former owner remaining in the house as a tenant. The Department misjudged what the levels of demand would be for the respective types of rescue. It thought that most households would choose to take an equity loan through the Scheme, the cheaper option for the taxpayer, but nearly all sold their houses and stayed on as tenants. As a result, the average cost of each completed rescue has been much higher than expected - �93,000, compared with �34,000. The Department does not have enough information to say why so few households took the equity loan route. The Department now has actions in place to reduce the cost of the Scheme to the taxpayer. The report concludes that the Department did not adequately test the assumptions underpinning the Scheme's business case, and that it could have acted earlier to improve value for money.
The Oxford Handbook of Higher Education in the Asia-Pacific Region
Author: Devesh Kapur
Publisher: Oxford University Press
Published: 2023-01-20
Total Pages: 977
ISBN-13: 0192661035
DOWNLOAD EBOOKSince the turn of the millennium it has become clear that the Asia-Pacific Region is, economically, the fastest growing continent in the world, and is likely to remain so for some time despite the setbacks of the COVID-19 pandemic. Asia-Pacific's share of the world's Gross Domestic Product (GDP) doubled from 15 per cent to 30 per cent between 1970 and 2017 and is projected to account for half of global GDP by 2050. With South East and South Asia also growing rapidly, with over half the world's population and three of the world's five largest economies, Asia is soon poised to home half of the world's middle class - a class that is both the driver and the product of higher education. The quality of a country's system of higher education may be seen both as a gauge of its current level of national development as well as of its future economic prospects. It is therefore natural that the putative "Asian Century" should generate interest in the region's higher education systems which, on the one hand, share common characteristics-a fixation with credentials and engineering, high technology (especially among male students), and business degrees-while at the same time are also highly differentiated, not only across countries but also within. As such, a better understanding of higher education achievements, failings, potential, and structural limitations in the Asia-Pacific Region is imperative. This handbook presents a number of significant country case-studies and documents cross-cutting trends relating to, among other things: the trilemma faced by governments juggling competing claims of access, accessible cost, and quality; the balance between teaching and research; the links between labour markets (demand) and higher education (supply); preferred fields of study and their consequences; the rise of the research university in Asia; the lure of institutions of international reputation within the region; new education technologies and their effects; and, trends in government policy within the wider region and sub-regions.
Home Ownership. Getting In, Getting From, Getting Out.
Author: P. Boelhouwer
Publisher: IOS Press
Published: 2005
Total Pages: 220
ISBN-13: 1607504669
DOWNLOAD EBOOKHome ownership sectors in most European countries have grown in size. Whatever assets European households have acquired in recent decades, real estate appears to form a significant element in wealth portfolios. Frequently, national governments have been active in promoting the shift-in tenure balance. The general question pursued in this book is about the gains and losses accruing to individual households by virtue of their position as home owners. The focus, here, is on financial gains and losses. This book is also concerned with the losses, in the form of repayment risk, related to, difficulties that some households may experience in meeting housing loan repayment schedules. The immediate background to this volume is the Conference on Housing Growth and Regeneration. Hosted by the Cambridge Centre for Housing and Planning Research, Department of Land Economy, University of Cambridge, it was held under the auspices of the European Network of Housing Researchers.
Mortgage arrears and access to mortgage finance
Author: Great Britain: Parliament: House of Commons: Treasury Committee
Publisher: The Stationery Office
Published: 2009-08-08
Total Pages: 220
ISBN-13: 9780215540805
DOWNLOAD EBOOKThis report focuses on households affected by the recession, struggling with mortgage arrears or at risk of repossession. The role of the Financial Services Authority (FSA) is also scrutinised. The report notes that both mortgage arrears and repossession levels are on an upward trend and that both are expected to continue rising over the next few years as a result of the recession. The Committee acknowledges that many mainstream lenders are taking pro-active steps to support consumers in mortgage difficulties, but expresses concern at the lack of flexibility and forbearance shown by some lenders in the sub-prime, specialist and second charge sectors towards homeowners in arrears, and the fact that some lenders are charging high and excessive mortgage arrears fees to customers who fall into mortgage difficulties. The FSA should take a much more robust stance towards tackling and eliminating unfair arrears charges. The report criticises the seemingly leisurely approach of the FSA in terms of completing its mortgage arrears review and enforcing possible breaches in the mortgage arrears rules. It calls upon the FSA to spell out clearly in its forthcoming review how it will improve its performance in terms of bringing miscreant firms to book. The report recommends that the Government re-examine its longer-term strategy towards supporting homeowners in mortgage difficulties to ensure that adequate mechanisms to support homeowners are in place even once the current downturn has ended.
Land Law
Author: Ben McFarlane
Publisher: Oxford University Press
Published: 2017
Total Pages: 489
ISBN-13: 0198735324
DOWNLOAD EBOOKAuthoritative, analytical, and concise, McFarlane, Hopkins and Nield's Land Law provides succinct coverage on the core areas without sacrificing depth or detail. The authors' unique approach to land law arms students with the tools to apply an independent, critical thought process to the content covered in classes and assessments.
Rethinking the Life Cycle
Author: Alan Bryman
Publisher: Springer
Published: 1987-11-13
Total Pages: 263
ISBN-13: 1349189197
DOWNLOAD EBOOKLoss of Homes and Evictions across Europe
Author: Padraic Kenna
Publisher: Edward Elgar Publishing
Published:
Total Pages: 395
ISBN-13: 1788116992
DOWNLOAD EBOOKThe loss of a home can lead to major violations of a person’s dignity and human rights. Yet, evictions take place everyday in all countries across Europe. This book provides a comparative assessment of human rights, administrative, procedural and public policy norms, in the context of eviction, across a number of European jurisdictions. Through this comparison the book exposes the emergence of consistent, Europe-wide standards and norms.
Contemporary Housing Issues in a Globalized World
Author: Padraic Kenna
Publisher: Routledge
Published: 2016-05-13
Total Pages: 300
ISBN-13: 1317160835
DOWNLOAD EBOOKThe globalization of housing finance led to the global financial crisis, which has created new barriers to adequate and affordable housing. It presents major challenges for current housing law and policy, as well as for the development of housing rights. This book examines and discusses key contemporary housing issues in the context of today’s globalized housing systems. The book takes up the challenge of developing a new paradigm, working towards the possibility of an alternative future. Revolving around three constellations of writing by diverse contributors, each chapter sets out a clear and developed approach to contemporary housing issues. The first major theme considers the crisis in mortgage market regulation, the development of mortgage securitization and comparisons between Spain and Ireland, two countries at the epicentre of the global housing market crisis. The second thematic consideration focuses on housing rights within the European human rights architecture, within national constitutions, and those arising from new international instruments, with their particular relevance for persons with disabilities and developing economies. The third theme incorporates an examination of responses to the decline and regeneration of inner cities, legal issues around squatting in developed economies, and changes in tenure patterns away from home-ownership. This topical book will be valuable to those who are interested in law, housing rights and human rights, policy-making and globalization.
