Dissertations / Theses on the topic 'Funding of housing'

Made available in DSpace on 2016-04-26T20:48:41Z (GMT). No. of bitstreams: 1 Fernando Emmanuel Fentanes Alvarez Marques.pdf: 879579 bytes, checksum: 347935261d11792ce79a43aaad1b86d5 (MD5) Previous issue date: 2015-02-03
The main goal of the current academic work is to show and discuss the limits of the Housing Finance System (SFH) and Real Estate Financing System (SFI), with special focus on the analysis of housing funding limits. In this study the literature review was used as a source of empirical data. the statistics released by the Brazilian Association of Real Estate Credit and Savings Entities (ABECIP). The brazilian imobiliary funding issue goes through the long-term problem due to scarce credit lines. The capital market still falls far from the growing financing needs of the economy, especially with regard to corporate bonds. The funding sources that support the current housing credit volume are based on the Brazilian System of Savings and Loans (SBPE) and the Guarantee Fund for Employees (FGTS). It follows that the obstacle to increase the share of housing loans in GDP is not easy to solve. However, this work points clearly that the FGTS has the potential to offer lower financing rates than it has been offering. And it is also shown that SBPE is able to better allocate the funds raised by the savings
O objetivo principal deste trabalho é apontar e discutir os limites do Sistema Financeiro da Habitação (SFH) e do Sistema Financeiro Imobiliário (SFI), com especial destaque para a análise dos limites do funding habitacional. Neste trabalho foi adotada a pesquisa bibliográfica e usada como fonte de dados empíricos as estatísticas disponibilizadas pela Associação Brasileira das Entidades de Crédito Imobiliário e Poupança (ABECIP). A questão do funding imobiliário no Brasil é uma questão que passa pelo problema de funding de longo prazo, pois são escassas as linhas de crédito de longo prazo. O mercado de capitais, principalmente, no tocante a títulos corporativos, ainda está muito aquém das necessidades crescentes de financiamento da economia. As fontes de funding que sustentam o atual volume de crédito habitacional são pautadas no Sistema Brasileiro de Poupança e Empréstimo (SBPE) e no Fundo de Garantia por Tempo de Serviço (FGTS). Conclui-se que o entrave para aumentar da participação do crédito habitacional no PIB não é de fácil solução. Porém, fica claro que o FGTS tem potencial para oferecer taxas de financiamento mais baixas do que vem oferecendo e o SBPE tem condições de alocar melhor os recursos captados pela caderneta de poupança

Disadvantaged communities in California and across the US encounter unique barriers to attracting competitive funding for affordable housing, economic development, sustainability initiatives and other needs. This paper examines an effort underway in California to overcome these barriers by providing subsidized technical assistance to disadvantaged communities that apply for certain cap and trade-funded grant programs. Specifically, we evaluate the effectiveness of California’s technical assistance (TA) pilot run by the California Strategic Growth Council (SGC) for the Affordable Housing & Sustainable Communities (AHSC) Grant Program. We find that applicants who received comprehensive technical assistance, such as the services provided by the SGC TA pilot, enjoyed a strong competitive advantage over those who do not receive assistance. We also find evidence that projects aimed at serving disadvantaged communities see greater benefits from technical assistance than projects in more affluent communities.

Thesis (MEng)--Stellenbosch University, 2014.
ENGLISH ABSTRACT: It is well known that South Africa has a major housing backlog and that the population is growing every year. Consequently, more people are left homeless, without the finances to acquire a minimum standard house. The official backlog in 2012 was defined as 2.1 million units, of which 1.1 million households lived in informal settlements in South Africa. The purpose of this study is to develop a multi-criteria assessment tool that will help a developer to choose between housing systems that can be used in low cost housing developments. Essentially, the tool will aid a developer to allocate funding more appropriately and effectively to develop sustainable communities. The research followed a procedure of identifying challenges experienced in the low cost housing industry, identifying the important factors to consider when assessing low cost housing systems and finally selecting a multi-criteria decision-making model to select a system. The important factors that need to be considered for this study were gathered from literature and industry experience through using the interviewing technique for data collection. The factors identified will be assessed using the multi-criteria decision-making model, called the Evidential Reasoning Approach. This study focuses on housing systems as a whole. Specific attention is given to walling systems, but not to other elements such as the foundations and roofs. The primary factors identified are cost, time, quality, environmental performance, density, alteration capability, resource availability and additional features. These factors were then used to develop a userfriendly assessment tool for choosing between housing systems for the low cost housing market. In conclusion this assessment tool will be available to public and private role players who intend to develop a low cost housing settlement. However, this assessment tool has some imperfections. These are discussed at the end of this study and show how they influence this model.
AFRIKAANSE OPSOMMING: Dit is algemeen bekend dat Suid-Afrika „n groot behuisings agterstand het en dat die bevolking jaarlikse groei. Die amptelike behuisings agterstand in 2012 was gedefinieer as 2.1 miljoen eenhede, waarvan meer as 1.1 miljoen van hierdie huishoudings in informele nedersettings in Suid-Afrika geleë is. Die doel van hierdie studie is dus om „n mulit-kriteria assesserings instrument te ontwikkel wat „n ontwikkelaar sal help om tussen behuisings sisteme te kies, wat vir lae koste behuising ontwikkelings gebruik kan word. Gevolglik , sal hierdie instrument „n ontwikkelaar help om befondsing meer toepaslik toe te ken en om doeltreffende en volhoubare gemeenskappe te ontwikkel. Die navorsings prosedure het begin deur uidagings in die lae koste behuising bedryf te identifiseer, asook die belangrike faktore wat oorweeg moet word as behuisings stelsels beoordeel moet word. „n Multi-kriteria besluitnemings model is gekies wat toepaslik is op hierdie studie. Die belangrike faktore wat in ag geneem moet word, is geïdentifiseer deur literatuur, en industrie ondervinding, deur gebruik te maak van onderhoude om data in te samel. Die kriteria wat geïdentifiseer is sal beoordeel word met behulp van die multi-kriteria besluitnemings model, naamlik Evidential Reasoning Approach. Die kriteria wat gebuik is in hierdie studie het gefokus op die behuisings stelsel as ʼn geheel. Alhoewel spesifieke aandag gegee is aan die mure van die stelsels was ander elemente, soos die dakke en fondamente nie bespreek nie. Die primêre faktore wat geïdentifiseer is, is koste, tyd, kwaliteit, omgewings werkverrigting, digtheid, aanbouings vermoë, beskikbaarheid van hulpbronne en bykomende funksies. Hierdie faktore word gebruik om „n keuse te maak tussen behuisings stelsels vir die gebruik vin die lae koste behuising mark. Die faktore word voorgestel as „n gebruikers vriendelike assesserings instrument. Ten slotte behoort hierdie assesserings intrument beskikbaar te wees aan oopenbare en private belangstellendes wat beoog om „n lae kost behuising nedersetting te ontwikkel. Hierdie assesserings instrument het wel „n paar tekortkomming, wat aan die enide van die studie bespreek word, asook hoe hierdie terkortkomming die model kan beïnvloed.

This thesis engages in investigation into contemporary ways of housing funding in the Czech Republic. It deals with the particular comparison of selected combinations of housing funding in order to find the optimal variant of the model solution of the housing situation of clients. It also contains recommendations, which are suitable for finding the best home financing options to consider.

Made available in DSpace on 2016-04-25T18:39:51Z (GMT). No. of bitstreams: 1 Mauricio Godoi Amaral Lima.pdf: 917720 bytes, checksum: 0806aea0afa76bf8a6856581ecf44982 (MD5) Previous issue date: 2012-10-08
The Brazilian real estate market has been growing at high rates which makes us the question if the tools that have been currently used in SFH will be enough to meet the increasing demand for financings, taking into account that this form has the saving account as its main source of resources. To fulfill the need of alternative sources of housing finance, the SFI was created, that allowed another way of catchment, the real state receivables securitization, making a secondary market of real estate assets. A historical study has been done showing the main inefficiencies in housing financing system, from 1964 to 1997, with the creation of SFI. Going through all the legal scope developed for the implementation of this new system, trying to understand the main reason why securitization is not a tool in Brazil, compared to the high potential we have after macroeconomical stability. A historical data raising is made, applying the method to the bibliography and quantitative research to verify the maintenance of the current financial resources catchment way for real state credit, comparing the saving account resources directing, demand quantity by financing, and the ways that new catchment tools, such as securitization, can contribute for supporting the real estate credit in the future
O mercado imobiliário brasileiro vem crescendo em elevados índices o que faz refletir se as ferramentas que são atualmente praticadas no SFH serão suficientes para atender a crescente demanda por financiamentos, tendo em vista que essa forma, tem a caderneta de poupança como principal fonte de recursos. Para suprir essas necessidades de fontes alternativas para os financiamentos habitacionais, foi criado o SFI, que permitiu a captação sob outra forma, a securitização de recebíveis imobiliária, constituindo o mercado secundário de ativos imobiliários. É realizado um estudo histórico, mostrando as principais ineficiências no Sistema Financeiro da Habitação, com início em 1964 e chegando até 1997, com a criação do SFI. Passando por todo arcabouço jurídico desenvolvido para implantação desse novo sistema, buscando entender o principal motivo que a securitização não é uma ferramenta trabalhada no Brasil, comparada com o grande potencial que temos após a estabilidade macroeconômica. Efetua-se um levantamento de dados históricos, aplicando o método de pesquisa bibliográfica e quantitativa para verificar a manutenção da forma atual de captação de recursos financeiros destinados ao crédito imobiliário, comparando o direcionamento compulsório dos recursos de poupança, quantidade da demanda por financiamentos e as formas que as novas ferramentas de captação, como securitização, contribuirá para a sustentação do crédito imobiliário no futuro

Subject of master thesis “Comparison of the possibilities of financial security of real estate” is the issue of alternative funding of housing in Czech republic. This thesis deals with the major housing finances products. It surveys building society accounts and mortgage loans withing the selected financial institutions. In the practical part these products are compared in an effort to determine the best form of securing of chosen property whose value was determined by estimation of cost of the property for credit management.

This diploma thesis describes by a feasibility study the introduction of a new product, which has the name Green credits. This project responds to a flexible manner on a prospective and dynamically growing market for environmentally friendly and energy-saving solutions and its implementation may allow a particular financial institution to obtain the position of leader and new business in this market.

This diploma thesis „Financing options for housing in the Czech Republic“ is focused on the issues connected with financing one´s own housing. The goal of this work is mainly to introduce the issues and possibilities of financing housing of the citizens of the Czech Republic, analyze products that could be used while financing housing and compare the costs of financing housing, while using different bank products. In the theoretical part of the work, we obtain knowledge intentions and developments of housing policy in the Czech Republic; we clearly introduce with the products that are helpful while financing housing and their combinations. Insurance products are also mentioned in the thesis. Those products can protect citizens against unwanted influences during the period when they pay off their loans. We can also find here the recent development of loan products and bank market in the Czech Republic, its current offers and overview of its products, from which citizens can choose the most suitable one for their needs. Practical part of the thesis deals with the comparison and research in the least costly way of financing housing in three different time horizons with the help of one product or a combination of products.

La thèse retrace l’histoire de deux organismes de logement social, l’un français, l’autre italien, depuis l’après deuxième guerre mondiale. Prenant appui sur les deux études de cas, ce travail cherche à remonter le fil des transformations des circuits de financement du logement social et des conceptions du social qui traversent les politiques publiques du logement françaises et italiennes. Le récit historique met au premier plan l’analyse des flux d’argent qui circulent au sein des organismes. Inspirée par les travaux de Zelizer, la thèse part du principe selon lequel l’argent n’est pas neutre mais est « marqué » par les acteurs entre lesquels ils circulent. Ses modalités de collecte, de distribution et d’usage reflètent des relations sociales, opèrent des distinctions, incarnent les représentations et valeurs des acteurs, matérialisent des rapports de domination. En suivant l’argent du logement social, nous proposons de construire une histoire qui explique les transformations des organismes au travers (1) des changements des flux d’argent qu’ils reçoivent - subventions à la construction, loyers, prêts, marchés financiers, aide à la personne, etc.- (2) des activités qui sont permises par cet argent - construction, vente, rénovation, gestion locative - et (3) des justifications qui les accompagnent - loger des ouvriers, résorber le chômage, soutenir le secteur immobilier, aménager la ville, etc. Nous illustrons comment se fabrique la « mise en crise » de circuits de financement. Les flux d’argent, activités et justifications peuvent faire l’objet d’intenses critiques qui entrainent la réduction voire la suppression du financement. En parallèle, de nouveaux flux peuvent prendre forme, se combiner et rendre possible une « remise en ordre » par la fabrication d’un nouveau circuit de financement. Il s’agit donc de refaire l’histoire des transformations des politiques du logement social par le bas sur le long terme. Enfin, nous montrons comment les circuits de financement des deux organismes s’inscrivent dans des conceptions du social. La comparaison diachronique des circuits a permis d’identifier au cours de l’enquête quatre conceptions du social successives – les conceptions du social insérée, dissociée, autofinancée et valorisée - qui façonnent de façon similaire les politiques du logement social dans deux contextes institutionnels pourtant contrastés.L’enquête s’appuie sur une immersion de quatre mois au sein de chaque organisme sous forme de stage. L’observation participante a facilité la collecte des rapports de gestion et des comptes économiques, fondamentaux à l’étude des flux de financement, complétée par la consultation des archives des administrations publiques en relation avec les deux organismes et l’étude de littérature grise publiée par les acteurs du logement social (n=253). En outre, une campagne d’entretiens auprès de dirigeants et employés des deux bailleurs étudiés a été réalisée, ainsi qu’auprès d’acteurs publics, d’associations représentantes des organismes et d’autres bailleurs sociaux (n=79)
This thesis traces the history of two social housing association in France and Italy since the post-war period. Drawing on the two case studies this research examines the transformation in the financial circuits of social housing and the conceptions of the social that underlie French and Italian public housing policies. The historical narrative brings the analysis of flows of money within organizations to the forefront. Inspired by the research of Zelizer, this thesis is based on the hypothesis that money is not neutral but « earmarked » by the actors. Different modes of collection, distribution and use of money reflect social relations, produce distinctions, embody the representations and the moral values of the actors, and materialize relations of domination. Following the money of social housing policies, this thesis constructs the history of the two organisms by identifying changes in the money flows. I analyze (1) changes in the money flow, from subsidies for housing construction, rents, loans, financial markets, or tenants allowances, to (2) the activities that the money flows make possible such as construction, sale, renovation, rental management, and (3) how actors justify these changes, for instance by the housing of workers, reducing unemployment, boosting the real estate sector or urban planning, etc. This thesis shows how a particular circuit of social housing funding is « pushed into crisis ». The money flow and their justifications can be the subject of intense criticism, leading to the reduction or even elimination of funding. At the same time, new flows can take shape and make it possible to « put in order », to build, a new circuit of social housing funding. Therefore, this doctoral thesis contributes to an history of social housing policies, studied from the bottom up and over the long term. Finally, I show how the funding circuits of the two organizations rely on different conceptions of the social. The diachronic comparison of funding circuits reveals four successive conceptions of the social, the inserted, the dissociated, self-financed and the valued. In consecutive periods, they shape similarly the social housing policies in two contrasting institutional contexts. The study is based on a four-month immersion in both organizations in the form of an internship. Participatory observation also allowed for the collection of business reports and financial accounts, which are fundamental to the study of financial flows. The analysis of internal documents has been supplemented by researching the links of the two organizations in the archives of public administrations and the analysis of grey literature published by social housing stakeholders (n=253). In addition, I conducted interviews with managers and employees of the two social housing organisms, as well as with public actors, associations representing social housing associations and other social housing associations (n=79)

Submitted by SBI Biblioteca Digital (sbi.bibliotecadigital@puc-campinas.edu.br) on 2017-03-23T14:26:57Z No. of bitstreams: 1 JO?O LUIZ PORTOLAN GALV?O MINNICELLI.pdf: 3631598 bytes, checksum: 0041ff82bf097abf4859c2d946f81cfd (MD5)
Made available in DSpace on 2017-03-23T14:26:57Z (GMT). No. of bitstreams: 1 JO?O LUIZ PORTOLAN GALV?O MINNICELLI.pdf: 3631598 bytes, checksum: 0041ff82bf097abf4859c2d946f81cfd (MD5) Previous issue date: 2016-12-12
Pontif?cia Universidade Cat?lica de Campinas ? PUC Campinas
This thesis is developed through analysis of judgments repossession in collective urban land conflicts. Analyzes occupations enthralled by movements for housing on two metropolitan regions: S?o Paulo and Campinas. The review of decisions or judgments processes of the S?o Paulo State Judiciary allows admit as hypothesis: a) that the unilateral way to deal with such conflicts produce weaknesses in the quality of judgment; b) such decisions would impose an "Automation" of the right to property that offends the "principle of effectiveness" that should be observed, for example, in search of this property come to fulfill its social function; c) such decisions seem to forget that these conflicts involve not only rights, but important urban and social issues without regard to the allocation of the occupying families. The thesis is used the inductive method for the analysis of property defense phenomenon. Through the analysis seeks to understand the reasons for this court behavior and their social and urban consequences. As a result the thesis establishes conclusions about the ineffectiveness of the judicial action in these cases by assintonia with thought and constitutional will.
Esta pesquisa se desenvolve a partir da an?lise de decis?es judiciais de reintegra??o de posse nos conflitos fundi?rios urbanos coletivos. Analisam-se ocupa??es protagonizadas por movimentos pela moradia em duas regi?es metropolitanas: S?o Paulo e Campinas. A an?lise cr?tica de decis?es ou senten?as de processos do Poder Judici?rio do Estado de S?o Paulo permite admitir como hip?teses a) que a maneira unilateral de lidar com tais conflitos produz fragilidades na qualidade do julgamento; b) que tais decis?es fariam prevalecer uma ?automa??o? do direito ? propriedade que ofenderia o ?princ?pio da efetividade? da fun??o social da propriedade; c) que estas decis?es pareceriam olvidar que esses conflitos envolvem n?o apenas direitos, mas quest?es urbanas e sociais importantes n?o enfrentadas como a destina??o das fam?lias ocupantes. Utilizando-se m?todo indutivo por partir da an?lise do fen?meno da defesa da propriedade para por meio dele procurar entender os motivos deste comportamento jurisdicional e suas consequ?ncias sociais e urbanas, conclui-se pela inefetividade da atua??o jurisdicional nestes casos por assintonia com o pensamento constitucional.

This thesis is concerned with developer project Rezidence Austerlitz in Slavkov u Brna realized by KALÁB company. It describes managing this project from buying the grounds to selling the real estate to clients. At the same time the thesis deals with the project's financing, time schedule and assesses market and construction risks. Part of the work is also analyzing the estate market which adverts to evolution of housing construction across the whole Czech Republic in the past ten years. Progress of real estate construction in Jihomoravský kraj is described in detail, including the progress of estate valuation.

Made available in DSpace on 2016-04-04T18:22:09Z (GMT). No. of bitstreams: 1 Joana Aparecida Zavaglia Ribeiro.pdf: 10370975 bytes, checksum: b4828bf04d5b035121ec042dd1187b64 (MD5) Previous issue date: 2014-06-26
Brazil has experienced significant changes in recent decades in the field of urban and housing policy. With the enactment of the Statute of the City (2001), the creation of the Ministry of Cities (2003), the structuring of the National Housing Policy (2004), the National Housing System (2005) and the elaboration of the Housing Plans by the nacional, state and municipal levels, were established the conceptual and instrumental basis for coping with the housing problems in the country. The context created signaled a promising perspective to articulate the land issue to housing policy. Although there is a consensus that urban land is component and an essential condition for the succes of the actions that concretize such a policy, housing practices undertaken rarely deal with this component in the proper way, contributing to worsening socio-spatial inequalities, characteristics of urbanization in the country. This research aims to examine how the feasibility of such land for the production of housing is inserted in the design of housing policies formulated in this context. For the analysis, was chosen a territorial clipping the Metropolitan Region of Campinas, located in the State of S?o Paulo. Housing Plants were analyzed, formulated by the state and metropolitan levels, as well as the Local Plans for Social Housing (PLHIS) of six counties that comprise the region: Americana, Campinas, Indaiatuba, Itatiba, Santa B?rbara d'Oeste and Valinhos. To perform the analysis, three categories were chosen: the framework of housing issues, the land needs of the production of housing policy and strategies proposed action to acquire the land necessary to meet demands. The research showed many "nodes" that influence and characterize the approach to the topic of land in the housing plans, dicussing the obstacles that make the link between land issues and housing policy.
O Brasil evidenciou nas ?ltimas d?cadas importantes transforma??es no campo da pol?tica urbana e habitacional. Com a promulga??o do Estatuto da Cidade (2001), a cria??o do Minist?rio das Cidades (2003), a estrutura??o Pol?tica Nacional de Habita??o (2004), o Sistema Nacional de Habita??o (2005) e a elabora??o dos Planos de Habita??o pelas esferas nacional, estadual e municipal, ficaram estabelecidas as bases conceituais e instrumentais para enfrentamento da problem?tica habitacional no pa?s. O contexto criado sinalizou uma perspectiva promissora para articular a quest?o fundi?ria ? pol?tica habitacional. Apesar de hever um consenso de que a terra urbana ? componente e condi??o essencial para o ?xito das a??es que efetivam tal pol?tica, as pr?ticas habitacionais empreendidas raramente tratam deste componente de maneira adequada, tendo contribu[ido para agravar as desigualdades socioespaciais caracter?sticas da irbaniza??o no pa?s. Esta pesquisa tem por objetivo analisar como a viabiliza??o da terra para a produ??o de moradias ? colocada no desenho das pol?ticas habitacionais formuladas no contexto exposto. Para a an?lise, adotou-se com recorte territorial a Regi?o Metropolitana de Campinas, localizado no interior do Estado de S?o Paulo. Foram analisados os planos de habita??o formulados pelas inst?ncias estadual e metropolitana, bem como os Planos Locais de Habita??o de Interesse Social (PLHIS) de seus munic?pios que integram a Regi?o: Americana, Campinas, Indaiatuba, Itatiba, Santa B?rbara d'Oeste e Valinhos. Para a constru??o da an?lise, foram adotadas tr?s categorias: o quadro da problem?tica habitacional, a problem?tica fundi?ria para a produ??o de moradias e as estrat?gias de a??o proposta para aquisi??o das terras necess?rias ao atendimento das demandas. A pesquisa evidenciou diversos "n?s" que condicionam e caracterizam a abordagem do tema da terra nos planos de habita??o problematizando as entraves que conformam a articula??o entre a quest?o fundi?ria e a pol?tica habitacional.

abstract: The relationship between settler-colonial governments and Indigenous nations has been a contentious one, filled with disingenuity and fueled by the abuse of power dynamics. Specifically, colonial governments have repeatedly used power in mapping, cultural Othering, resource control, and research methodologies to assimilate, acculturate, or otherwise dominate every aspect of Indigenous lives. A relatively recent pushback from Indigenous peoples led to the slow reclamation of sovereignty, including in the United States. Revamped federal Indian programs allegedly promote tribal self-determination, yet they paradoxically serve a vast quantity of cultures through singular blanket programs that are blind to the cultural component of Indigenous identity - the centerfold of colonial aggression for centuries. The U.S. Department of Housing and Urban Development’s Office of Public and Indian Housing is no exception, using a Western framework to provide generic services that neither serve cultural needs nor are tailored to the specific environment traditional homes were historically and epistemologically suited for. This research analyzes the successes of new programs as well as the failures of the federal government to conduct responsible research and promote the authentic self-determination of tribes in terms of housing and urban development. It also considers the successes and failures of tribes to effectively engage in program reformation negotiation, community planning, and accountability measures to ensure their communities are served with enough culturally-appropriate, sustainable housing without mistrusting their own housing entities. Solutions for revising this service gap are proposed, adhering to a framework that centers diverse cultural values, community input, and functional design to increase each tribe’s implementation of self-determination in HUD housing programs.
Dissertation/Thesis
Masters Thesis American Indian Studies 2020