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Journal articles on the topic 'Mortgage Investment Private Housing Sector'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Chris, O. Udoka, and Mary Kpataene Owor. "MORTGAGE FINANCING AND HOUSING DEVELOPMENT IN NIGERIA." .INTERNATIONAL JOURNAL OF RESEARCH- GRANTHAALAYAH 5, no. 5 (2017): 182–206. https://doi.org/10.5281/zenodo.583909.

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This study examined mortgage financing and housing development in Nigeria. The main focus of this research was to ascertain the impact of mortgage loan in housing development in Nigeria. To achieve this objective, data were extracted from CBN statistical bulletin and National Bureau of Statistics from 1990 to 2014. Three hypotheses were formulated and tested using econometric models such as Augmented Dickey-Fuller unit root test, the co-integration tests revealed the existence of a long-run relationship among the variables. The Error Correction Model established causal links and dynamic intera

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Walter, Mboto Helen, Nkamare Stephen Ekpo, Edom Edom Onyam, and Emefiele Charles Chike. "Determinants of Housing Development in Nigeria." Law and Economy 2, no. 5 (2023): 13–18. http://dx.doi.org/10.56397/le.2023.05.02.

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The purpose of the study was to examine factors of mortgage that affect housing development in Nigeria. The specific objectives were to; examine the effect of interest rate, mortgage bank deposit, mortgage investment on housing development. Data for this study were sourced from secondary data and were extracted from the Central Bank of Nigeria (CBN) Statistical Bulletin and the National Bureau of Statistics, Nigeria. Data obtained were tabulated, analyzed and tested using the ordinary least square multiple regression statistical techniques. Based on the result, the findings revealed thus; ther

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3

Udoka, Chris O., and Mary Kpataene. "MORTGAGE FINANCING AND HOUSING DEVELOPMENT IN NIGERIA." International Journal of Research -GRANTHAALAYAH 5, no. 5 (2017): 182–206. http://dx.doi.org/10.29121/granthaalayah.v5.i5.2017.1850.

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This study examined mortgage financing and housing development in Nigeria. The main focus of this research was to ascertain the impact of mortgage loan in housing development in Nigeria. To achieve this objective, data were extracted from CBN statistical bulletin and National Bureau of Statistics from 1990 to 2014. Three hypotheses were formulated and tested using econometric models such as Augmented Dickey-Fuller unit root test, the co-integration tests revealed the existence of a long-run relationship among the variables. The Error Correction Model established causal links and dynamic intera

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4

Zhou, Jiayi. "The Private Sector in the Rental Housing Market." BCP Business & Management 43 (March 24, 2023): 125–29. http://dx.doi.org/10.54691/bcpbm.v43i.4631.

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Numerous types of literature contend that housing plays a role in both the low-income population's need for public assistance and the comparatively affluent families' need for mortgage financing. Due to the failure of vacant homes, which ultimately resulted in wasted resources since medium-low income groups have curtailed purchasing power, the rental housing market is progressively where social progress is consolidated. Based on the role of rental housing, this paper goes into considerable detail about the private sector in this market. In tandem with the findings of previous studies, the rese

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Bogdanenko, A. I. "Historical analysis of the scientific base of investment activity problems in housing building." Public administration aspects 6, no. 1-2 (2018): 18–23. http://dx.doi.org/10.15421/1520182.

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The article is devoted to the consideration of the scientific-source basis of the issues of investment activity in housing construction. On the basis of historical analysis, the main stages of the evolution of the problems of reducing investment attractiveness in the housing market in Ukraine are determined. The foreign practice of state regulation of investment and construction processes relevant for borrowing, or refinement, in such developed countries as Ukraine, Great Britain, Germany, Sweden and the United States of America is considered. Summarizing the experience of developing mortgage

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Elkaftangui, Mohamed, and Mohamed Basem. "Optimizing prefabricated construction techniques in UAE as a solution to shortage of middle-income housing." MATEC Web of Conferences 221 (2018): 01006. http://dx.doi.org/10.1051/matecconf/201822101006.

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Housing is a major subject in the Middle East and North Africa (MENA) region, JLL, the world’s leading real estate investment and advisory firm, highlights the social and economic impact of a marked shortfall in the required supply of middle-income housing, suggesting that significant efforts are needed to address the current imbalance. For an equal standard and life style in UAE and KSA, the gap of sale and rent prices raises many questions. The middle-income sector of the market represent almost 40 percent of all households in the UAE. Several factors that have contributed to the current sho

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Ganiyu, Bashir Olanrewaju, Julius Ayodeji Fapohunda, and Rainer Haldenwang. "Sustainable housing financing model to reduce South Africa housing deficit." International Journal of Housing Markets and Analysis 10, no. 3 (2017): 410–30. http://dx.doi.org/10.1108/ijhma-07-2016-0051.

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Purpose This study aims to identify and establish effective housing financing concepts to be adopted by government in achieving its mandate of providing sustainable affordable housing for the poor to decrease the building of shacks, as well as proposing solutions to the housing deficit in South Africa. A rise in demand and shortage in supply of housing calls for the need to address issues of affordable housing in South Africa, and developing countries in general, to ensure a stable and promising future for poor families. Design/methodology/approach Literature has revealed that the South Africa

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Njoroge, Geofrey Muturi, Jeremiah Koori, and Fredrick Warui. "Financing Options and Growth Rate of Real Estate Development Companies in Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 3, no. 2 (2021): 79–103. http://dx.doi.org/10.35942/ijcfa.v3i2.201.

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Financing decisions have been a challenge to real estate developers in Kenya. This is because, real estate investments are perceived to be capital intensive in nature. It is expected that real estate sector should develop in line with population increases which characterises most emerging economies. However, the provision of housing units per year is below the demand. In Nairobi region the demand for housing is 200,000 units per year while the actual production is estimated to be 50,000 units annually thus outlining a shortage of 150,000 units. Past studies indicate that where a robust financi

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Nwachukwu, Lilian, Lucelia Rodrigues, and Lorna Kiamba. "Enabling Private Investment in Affordable Housing in Nigeria: Lessons from the Experience of the Millard Fuller Foundation Projects in Nasarawa State." Journal of Risk and Financial Management 16, no. 9 (2023): 411. http://dx.doi.org/10.3390/jrfm16090411.

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Despite the shift to private sector-driven affordable housing in Nigeria for decades, the housing deficit has continued to increase to the disadvantage of low-income families. This paper explores the enabling strategies for stimulating private-driven affordable housing in Nigeria. A case study of the Millard Fuller Foundation projects was undertaken, and semi-structured interviews were administered to 12 residents of the estates and the developer to explore their experience and highlight the considerations for designing appropriate strategies. The data generated were analysed using thematic an

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Gordon, Sanford C., and Howard Rosenthal. "Cross-ideological coordination by private interests: Evidence from mortgage market regulation under Dodd-Frank." Business and Politics 22, no. 2 (2019): 383–411. http://dx.doi.org/10.1017/bap.2019.17.

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AbstractRulemaking pursuant to the 2010 Dodd-Frank Act provides a useful setting to assess theories of interest group influence. In the wake of the financial crisis, Congress delegated new rulemaking authority to federal agencies to regulate mortgage markets. A critical aspect of this new regulatory regime engendered significant controversy from affected interests: “credit risk retention” would require sponsors of asset-backed securities to retain a stake in the risk of securitized assets. Contrary to unrefined industry capture-based accounts stressing the disproportionate role of larger, well

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11

Bosworth, Barry, and Aaron Flaaen. "Financial Crisis American Style." Asian Economic Papers 8, no. 3 (2009): 146–70. http://dx.doi.org/10.1162/asep.2009.8.3.146.

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This paper reviews some of the research on the causes of the financial crisis of 2008–09, highlights the key events that triggered a financial panic in September 2008, and summarizes the key policy actions that the United States has taken to ameliorate the crisis. We document the characteristics and growth of the sub-prime mortgage market, and the distorted incentives and flawed regulatory structure surrounding the secondary market for mortgage-backed securities. We also assess the role for macroeconomic determinants of the crisis that serve to explain the bubble in U.S. asset prices, most not

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12

Velychko, A. "Construction Financing in Ukraine: Analysis of the Current State, Trends, and Directions for Enhancing Investment Resource Mobilization." Ways to Improve Construction Efficiency 3, no. 52 (2023): 144–57. https://doi.org/10.32347/2707-501x.2023.52(3).144-157.

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The article analyzes the current state, key trends and features of construction financing in Ukraine for 2020–2022. A quantitative analysis of the dynamics and structure of capital investments in the construction sector using official statistical data was conducted. The dominance of construction enterprises' own funds and a significant reduction in the share of bank, state and foreign financing were identified. The key factors of the decline in investment activity during this period were identified: the COVID-19 pandemic, macroeconomic instability and full-scale war. The main problems of attra

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Malik, Mykola, and Larysa Malik. "MECHANISMS OF HOUSING CONSTRUCTION DEVELOPMENT." Actual Problems of Economics 1, no. 267 (2023): 14–20. http://dx.doi.org/10.32752/1993-6788-2023-1-267-14-20.

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The article describes the essence, content and functions of the mechanisms for the revival of housing construction in Ukraine. Its development and implementation envisages the revival of the country, the multifaceted socio-economic development of settlements, the improvement of the demographic situation, and the appeal to man as the main source of the nation's wealth. It has been proven that all European countries have gone through a long process of reforming and developing the construction industry, applying new investment technologies and stimulating the development of this direction of the

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Shavshukov, Vyacheslav M., Natalya G. Verstina, and Evgeniy A. Bautin. "THEORETICAL ECONOMICS AS A FOUNDATION FOR MANAGING ORGANIZATIONS IN THE RUSSIAN INVESTMENT AND CONSTRUCTION COMPLEX." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 5/9, no. 146 (2024): 250–61. http://dx.doi.org/10.36871/ek.up.p.r.2024.05.09.038.

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The paper is devoted to the theoretical and methodological foundation of management of the Investment and Construction Complex (ICC) of Russia. The result of the research is to substantiate the organic connection of the basic concepts of political economy and microeconomics with the Theories of Industrial Markets and Organizations, management of construction and design companies. The conditions for realization of the GNP by Quesnay and Marx justify the place of ICC in the expanded reproduction of GNP. The Ith division includes the construction of industrial, transport, and infrastructure facil

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Mbuguah, John Mburu. "FACTORS AFFECTING THE SUPPLY OF AFFORDABLE RESIDENTIAL HOUSING UNITS IN KENYAN URBAN AREAS: A CASE OF NAIROBI CITY AND ITS ENVIRONS." International Journal of Finance 1, no. 1 (2017): 53. http://dx.doi.org/10.47941/ijf.38.

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Purpose: The study focused on the factors affecting the supply of affordable residential housing units in Kenyan urban areas in the case of Nairobi city and its environs.Methodology: A descriptive survey research design was used. The target population comprised of all the real estate agents, valuers and property managers with headquarters in Nairobi totaling 90. A sample of 40% or 36 firms was taken and a random stratified sampling technique was used to select the sample units. The study used primary data collected through using questionnaires as well as secondary data as a source of literatur

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Bochkarova, Maryna. "STIMULATING THE DEVELOPMENT OF RESIDENTIAL DEVELOPMENT THROUGH MORTGAGE LENDING." Economics & Education 9, no. 2 (2024): 14–19. http://dx.doi.org/10.30525/2500-946x/2024-2-2.

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The article is devoted to stimulating the development of housing construction through mortgage lending. The purpose of the article is to determine the role of mortgage lending in the development of the housing sector, in particular through its impact on supply and demand in the real estate market and pricing in this sector. In the course of the research, data analysis, correlation analysis, and methods of forecasting economic trends were used. Graphical methods were also used to provide a clear understanding of how changes in the mortgage market affect the development of the real estate sector

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17

Gülter, Hamza, and Eyup Basti. "The housing finance system in Turkey." International Journal of Housing Markets and Analysis 7, no. 3 (2014): 363–82. http://dx.doi.org/10.1108/ijhma-01-2013-0001.

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Purpose – The purpose of this paper is to review the housing sector of Turkey and present the housing development strategies developed by government enterprises for the urban poor in Turkey as successful examples. Design/methodology/approach – The methodology of the paper is descriptive. First of all, the literature on housing finance systems and sources of housing finance are stated. Then, the paper reviews housing finance systems applied in Turkey in the past to solve housing problems. Later, it describes current housing strategy to solve housing problems of low- and middle-income groups and

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18

Rebecca, Kitach, Dr Ruto Reuben, Dr Umulkher Ali, and Prof John Byaruhanga. "Effects of Mortgage Interest Rate on Real Estate Investment in Kenya." International Journal of Economics, Business and Management Research 06, no. 10 (2022): 45–61. http://dx.doi.org/10.51505/ijebmr.2022.61004.

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As an investment and consumer good, real estate is significant. Like many developing countries, Kenya has struggled to give its citizens access to decent housing that is also affordable. More people are in need of housing due to urbanization, fast population growth, and rural-to-urban migration. Housing supply is less than demand as a result of several of macroeconomic and financial issues that affect real estate investment and, consequently, housing. This study looked into the impact of mortgage interest rates on real estate investment. The study, which covered the 11-year period from 2010 to

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Schembri, Lawrence L. "Housing Finance in Canada: Looking Back to Move Forward." National Institute Economic Review 230 (November 2014): R45—R57. http://dx.doi.org/10.1177/002795011423000105.

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The Canadian system of housing finance proved to be resilient and efficient during the global financial crisis and its aftermath. The system's effectiveness is the result of a rigorous prudential regulatory and supervisory regime coupled with targeted government guarantees of mortgage insurance and securitisation products. In the post-crisis period, household debt levels and house prices have risen, owing, in part, to accommodative monetary conditions necessary to support the economic recovery. These vulnerabilities were mitigated by tightening macroprudential policy, specifically mortgage ins

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20

Ugonabo, Celestine U. "Evaluating the Implementation of Public-Private Partnerships (PPPs) for Housing Provision in Nigeria: A Case Study of Niger State." Global Journal of Arts, Humanities and Social Sciences 11, no. 8 (2023): 12–21. http://dx.doi.org/10.37745/gjahss.2013/vol11n81221.

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Public-Private Partnerships (PPPs) is a joint effort by the public and private sector for the financing, development, operation, and or ownership of public housing and infrastructure. The rapid increase in population and urbanization in Nigeria has resulted in a housing deficit of about 17-23 million. Mortgage financing which is the predominant means of funding housing eludes the low income earners due to their inability to access mortgage facilities. This paper evaluated the implementation of Public-Private Partnerships (PPPs) as an option for public housing delivery in Nigeria using Niger St

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Ugonabo, Celestine U. "Evaluating the Implementation of Public-Private Partnerships (PPPs) for Housing Provision in Nigeria: A Case Study of Niger State." Global Journal of Arts, Humanities and Social Sciences 11, no. 8 (2023): 12–21. http://dx.doi.org/10.37745/gjahss.2013/vol11n81221.

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Public-Private Partnerships (PPPs) is a joint effort by the public and private sector for the financing, development, operation, and or ownership of public housing and infrastructure. The rapid increase in population and urbanization in Nigeria has resulted in a housing deficit of about 17-23 million. Mortgage financing which is the predominant means of funding housing eludes the low income earners due to their inability to access mortgage facilities. This paper evaluated the implementation of Public-Private Partnerships (PPPs) as an option for public housing delivery in Nigeria using Niger St

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22

Kamande, Francis, Wycliffe Oboka, and Moses Gweyi. "Challenges Hampering Adoption of Different Housing Models to Access Housing by Households in Nairobi County." European Journal of Business and Strategic Management 8, no. 3 (2023): 93–114. http://dx.doi.org/10.47604/ejbsm.2195.

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Purpose: This study aimed to assess the challenges hindering the adoption of diverse housing models for household access to housing in Nairobi County, Kenya. Utilizing the Public Interest Economic Regulation Theory (PIERT), the Q Theory of Housing Investment, and the Theory of Distributive Justice, the research explores the interplay between government regulations, market forces, and social equity in the context of affordable housing. Methodology: Employing a descriptive research design, the study investigates the impact of housing regulations on housing access through mortgage and coope

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Ayuningtyas, Fitri Juniwati, and Anggrismono Anggrismono. "COVID-19 pandemic and housing demand mortgage: Partial adjustment model approach." Optimum: Jurnal Ekonomi dan Pembangunan 14, no. 2 (2025): 272–81. https://doi.org/10.12928/optimum.v14i2.9451.

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One of the efforts to encourage the fulfillment of housing needs is the provision of housing both from the government and the private sector by considering the community's purchasing power. The background of this research is that the fulfillment of housing needs by both the government and the private sector has yet to be maximized while the demand for housing is relatively high. This research is still necessary because the demand for housing is still high. Increased housing demand will push house prices due to limited housing land. The problems faced focus on the relatively high demand for mor

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Polishchuk, Natalia, Nadia Golda, and Angelina Yuzdepska. "Mortgage lending as a long-term form of investment." Galician economic journal 94, no. 3 (2025): 102–10. https://doi.org/10.33108/galicianvisnyk_tntu2025.03.102.

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The article examines the state of mortgage lending in Ukraine, the features of its development, and the analysis of the main trends in the mortgage market. The issuance of new mortgages in 2021–2024 takes into account, in particular, changes in the distribution of the primary and secondary real estate markets. The main factors influencing the amounts of mortgage loans are highlighted, including macroeconomic conditions, interest rates, government support, and changes in the preferences of home buyers. It is proven that thanks to mortgages, banks have the opportunity to invest in real estate, w

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Adegoke, Samson Akinbamide Omobayo. "Housing Affordability In Nigeria: A Comparative Analysis Of Beneficiaries And Non-Beneficiaries Of Organized Private Sector Housing." Advances in Social Sciences Research Journal 7, no. 12 (2021): 453–73. http://dx.doi.org/10.14738/assrj.712.9369.

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Housing delivery in Nigeria has been dominated by the On-Site-Builders, each building incrementally as private individual for his household. The need to take advantage of economy of scale in housing delivery to enhance affordability led to the emergence of Organized Private Sector Housing Delivery in Nigeria. Despite this initiative, the majority of the people are not accessing housing from the Organized Private Sector Housing Developers, still employing their incremental housing approach. This study is therefore a comparative analysis of housing affordability of beneficiaries and non-benefici

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KONYEV, Anna, and Olena DOLGALOVA. "PUBLIC-PRIVATE PARTNERSHIP AS A MECHANISM FOR ATTRACTING INVESTMENT IN THE HOUSING AND COMMUNAL SPHERE." Modern Management Review 28, no. 3 (2023): 17–29. http://dx.doi.org/10.7862/rz.2023.mmr.15.

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The purpose of the article is the selection and use of effective forms of public-private partnerships as a mechanism to attract investment in housing and communal sphere. The object of the study is the sector of housing and communal services. The subject of the study is a set of organizational and economic relations arising in the process of public--private partnership in the field of housing and communal services. In solving the problems of the study there were used dialectical methods (analysis and synthesis, detailing and generalization, analogy, and modeling), as well as econom

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27

Aalbers, Manuel B. "Financial geography II: Financial geographies of housing and real estate." Progress in Human Geography 43, no. 2 (2018): 376–87. http://dx.doi.org/10.1177/0309132518819503.

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Geographers have started studying residential (housing) and commercial real estate (offices, retail, leisure) at the intersection of financial and urban geographies to understand how the built environment – chunky and spatially fixed – has been turned into a (quasi-)financial asset – ‘unitized’ and liquid – through a range of regulatory and socio-technical changes and constructions. The financialization of real estate is not limited to the rise in household debt, mortgage securitization and international investment in office markets, but increasingly also affects rental housing: private equity

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28

Sirenko, Natalia, Kateryna Kazemyrchyk, and Kateryna Mikuliak. "Mortgage Market Analysis: Domestic and International Experience." Oblik i finansi, no. 4(102) (2023): 118–24. http://dx.doi.org/10.33146/2307-9878-2023-4(102)-118-124.

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In the conditions of an economic crisis, the activation of economic activity through mortgage lending becomes crucial, and the study of the development of the mortgage market in the world is necessary for a comprehensive understanding of its impact on social, economic, and financial growth. It is also essential for determining optimal management strategies for the housing sector in a specific country. The article aims to substantiate the features of the functioning of the mortgage market in the world and in Ukraine. Investigating the peculiarities of domestic and foreign mortgage markets, the

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Grabovy, P. G., and I. P. Malikova. "INVESTMENT ATTRACTIVENESS OF HOUSING AND UTILITIES SECTOR." Strategic decisions and risk management, no. 2 (October 25, 2014): 66–72. http://dx.doi.org/10.17747/2078-8886-2013-2-66-72.

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Investment attractiveness of housing and utilities sector for private operators refers to conditions of investment of communal infrastructure as principles of investment, as well as long-term rent, i.e.: on account of state and municipal assistance on non-return or beneficial terms; possibility to acquire such electricity, heat, water supply and drainage objects being constructed, that have not been included as a part of concession agreement against guarantee of investment return with regard to interest rated specified by such concession agreement, and one of tools of investment attraction the

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Shchurina, S. V. "Mortgage as an Available Source of Credit Resources for Investment Financing in 2019." Economics, taxes & law 12, no. 1 (2019): 86–97. http://dx.doi.org/10.26794/1999-849x-2019-12-1-86-97.

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The subject of the researchis the availability of mortgage as a credit resource for investment funding. The relevance of the problem is due to the development of the mortgage credit lending in the country. The policy of the Central Bank of Russia (CBR) and the Russian Government aimed at combating inﬂation and planned reduction of the key rate created favorable conditions for establishing acceptable bank rates on mortgage loans, which significantly raised the mortgage demand over the past few years. The research shows that Russian commercial banks have reduced mortgage rates and are offering r

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Yekimov, Sergey, and Viktoriia Nianko. "Using public-private partnerships to improve the efficiency of housing and communal services." E3S Web of Conferences 281 (2021): 08010. http://dx.doi.org/10.1051/e3sconf/202128108010.

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The attraction of private capital in the sphere of housing and communal services is widely used in economically developed countries of the world. This makes it possible to accelerate the introduction of modern innovative technologies, to take a step towards updating fixed assets and improving the efficiency of the functioning of housing and communal services enterprises. In our opinion, a very promising direction of reforming the enterprises of the housing and communal complex is the use of public-private partnership. The use of the public-private partnership tool makes it possible to distribu

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Moss, Vuyisani. "Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges." International Journal of Systems and Society 6, no. 1 (2019): 52–67. http://dx.doi.org/10.4018/ijss.2019010104.

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The twin problems of affordability and accessibility that hamper the progress of housing in our country need to be addressed on a sustainable basis and the state needs to take on the role as a facilitator to create the enabling environment to encourage greater private sector participation. As a consequence, it is quite opportune to establish the Human Settlements Development Bank (HSDB). The mortgage finance affordability challenge is also attributable to key essential drivers, namely; house price index, disposable income, and the mortgage interest rates.

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Dorofeenko, Viktor, Gabriel S. Lee, and Kevin D. Salyer. "Rationale Erklärungen für Immobilienpreis-Bubbles: Die Auswirkungen von Risikoschocks auf die Wohnimmobilienpreisvolatilität und die Volatilität von Investitionen in Wohnimmobilien." Perspektiven der Wirtschaftspolitik 12, no. 2 (2011): 151–69. http://dx.doi.org/10.1111/j.1468-2516.2011.00361.x.

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AbstractThe dramatic world-wide housing boom and bust cycles during the last few years are often described in the media as “bubbles” and were largely caused by irrational exuberance due to the liberalization of housing finance (i.e. credit market irregularities in the U.S.: the subprime markets and mortgage structured products). Following Dorofeenko et al (2011), this paper, however, argues that many of the business and housing stylized facts, especially, the U.S. housing price and residential investment volatilites can be explained by analyzing the role of uncertainty (risk) in the framework

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Kim, Sangjin, and Jaebum Jun. "Suggestions for Vitalizing Housing REITs: Focusing on the Private Sector." Korea Real Estate Policy Association 24, no. 3 (2023): 25–49. http://dx.doi.org/10.54091/krepa.2023.24.3.25.

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Among REIT investment types, housing REITs are becoming more influential in the private sector as public support private rental REITs and private rental REITs gradually participate in the public sector. However, after the housing measures on June 17th(2020), the quantitative growth rate of housing REITs decreased remarkably. This is because REITs are operated in the form of a stock company, so they are subject to the same tax regulations as speculative corporations to block speculative demand. The REITs industry carried out policy suggestions, and some of them were reflected in policies. But i

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Beer, Andrew. "Housing Investment and the Private Rental Sector in Australia." Urban Studies 36, no. 2 (1999): 255–69. http://dx.doi.org/10.1080/0042098993592.

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Kohl, Sebastian. "The Great De-Mortgaging: the Retreat of Life Insurances From Housing Finance in US-German Historical Perspective." Jahrbuch für Wirtschaftsgeschichte / Economic History Yearbook 63, no. 1 (2022): 199–231. http://dx.doi.org/10.1515/jbwg-2022-0008.

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Abstract Recent research in economic history has found that mortgage debt in relation to GDP has taken off in the historical long run (“great mortgaging”), as growing banking assets have been redirected into mortgage credit. This paper maps the parallel long-run investment history of private (life) insurance as the much overlooked second pillar of the financial system. Drawing on in-depth studies of the US and Germany, it finds that a “great de-mortgaging” took place in insurers’ portfolios, with mortgages falling from up to 90 percent in the 19th century to below 5 percent today in favor of f

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Eickmeier, Sandra, and Boris Hofmann. "MONETARY POLICY, HOUSING BOOMS, AND FINANCIAL (IM)BALANCES." Macroeconomic Dynamics 17, no. 4 (2012): 830–60. http://dx.doi.org/10.1017/s1365100511000721.

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This paper applies a factor-augmented vector autoregressive model to U.S. data with the aim of analyzing monetary transmission via private sector balance sheets, credit risk spreads, and house prices and of exploring the role of monetary policy in the housing and credit boom prior to the global financial crisis. We find that monetary policy shocks have a persistent effect on house prices, real estate wealth, and private sector debt and a strong short-lived effect on risk spreads in money and mortgage markets. Moreover, the results suggest that monetary policy contributed considerably to the un

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Alferov, V. N., and K. A. Klimiatich. "PUBLIC-PRIVATE PARTNERSHIP IN HOUSING AND UTILITIES SECTOR AS A TOOL FOR DEVELOPMENT OF THE RUSSIAN FEDERATION ECONOMY." Business Strategies 8, no. 5 (2020): 132–36. http://dx.doi.org/10.17747/2311-7184-2020-5-132-136.

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The article discusses the advantages of using the mechanism of housing and communal services, analyses the current state of the housing and utilities sector in Russia. Explains certain opportunities for enhancing investment activities in the housing and utilities sector. Description of measures to improve the efficiency of public-private sector mechanisms in the field of the housing and utilities sector in Russia, which will contribute to the sustainable development and modernization of the country's economy.

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Dr., Regis Arunodayam Dominic Savio, and Senthil Velan K. "AN ANALYSIS OF THE MORTGAGE INTEREST RATES AND BORROWERS PREFERENCE WITH RESPECT TO SELECT HOUSING FINANCIAL INSTITUTIONS." International Journal of Computational Research and Development 3, no. 2 (2018): 31–36. https://doi.org/10.5281/zenodo.1648194.

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Housing assumes significant importance. In terms of income multiplier, housing sector ranks fourth and is ahead of other sectors like transport and agriculture. The rapid growth in housing loan market has been supported by the growth in the middle class population, favourable demographic structure, rising job opportunities. The phenomena being witnessed in the stock market have led to time tested avenues of investment like real estate with significant appreciation over the years as a safer bet and a hedge against inflation. The present study aims to analyse the Mortgage Interest rates and Borr

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Yazlyuk, Borys, Volodymyr Kostetskyі, and Andrii Butov. "Social and economic effects of the development of the mortgage lending market under the conditions of the legal regime of martial law." Ukrainian Journal of Applied Economics and Technology 2024, no. 3 (2024): 36–40. http://dx.doi.org/10.36887/2415-8453-2024-3-6.

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The article reveals the peculiarities of the development of the mortgage lending market in Ukraine and its impact on the socio-economic development of society. Housing mortgage lending allows the optimal combination of the interests of various parties as one of the most reliable ways of attracting private investment through the capitalization of residential real estate, – construction companies, financial and credit institutions, citizens, and the state. The mortgage lending system changes the needs of different social strata of the population, affecting the behavior strategy and adaptation to

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Green, Richard K. "Housing Finance Reform: Should There Be a Government Guarantee?" Quarterly Journal of Finance 01, no. 04 (2011): 811–22. http://dx.doi.org/10.1142/s2010139211000201.

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In 2007 and 2008, the mortgage market failed. It failed in a number of dimensions: Default rates rose to their highest levels since the great depression, and mortgage liquidity ground to a halt. This failure has produced recriminations: Blame has been laid at the feet of borrowers, brokers, lenders, investment banks, investors and government and quasi-government entities that guaranteed mortgages. These recent events have produced an important debate: Whether the U.S. mortgage market requires a federal guarantee in order to best serve consumers, investors and markets. My view is that such a gu

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Kostrikin, Pavel, Thuong Le Van, and Anna Andreeva. "Innovative approaches in the field of low–rise housing construction and digital transformation of investment and construction activities as the main focus of the All-Russian Housing Congress." Real estate: economics, management, no. 3 (September 30, 2021): 6–10. http://dx.doi.org/10.22337/2073-8412-2021-3-6-10.

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This July, All-Russian Housing Congress brought together about five thousand participants, including specialists inhousing construction, real estate business, mortgage lending, information technologies, interregional transactions,education and training in the real estate market. Among the most relevant topics, discussed by the researchersand practitioners, the following ones can be highlighted: at present, the market of standard private housingconstruction is not mature enough, construction is mainly performed by the citizens themselves; the mortgagemarket, focused on this segment, is in its i

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Abd-Elkawy, Abeer Ahmed Mohamed. "Land Use Incentives for Real Estate Developers in Social Rental Housing Projects (Case study: Degla Gardens Project-October Gardens-Six October City)." Environmental Management and Sustainable Development 9, no. 1 (2020): 83. http://dx.doi.org/10.5296/emsd.v9i1.16247.

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Social rental housing projects have emerged since 2016 to cover the housing demand of low-income groups, but these projects need high cost that beyond the financial capacity of some governments. Therefore, the World Bank reports in 2014 and 2018 pointed to the importance of including the private sector in low-income housing projects as a real estate developer instead of the state. The contribution of private sector and his successful experience in this field help in reducing the government spending towards these projects and achieving high quality in their implementation. For these reasons, ma

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Ameh, Sunday Ojonugwa, and Benjamin Thomas Osafo. "Housing Policies: The Experiences and Constraints of Housing Industry in Ghana." Advances in Social Sciences Research Journal 7, no. 9 (2020): 416–34. http://dx.doi.org/10.14738/assrj.79.9026.

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Ghana housing policies in the pre- and post- independence have not been consistent and sustainable. Whiles the colonial government adopted self-help projects and piloted research findings, policies after independence focused on social housing, affordable housing and Public Private Partnership (PPP) projects. The impact of these policies did not improve the performance of the main stakeholders in the housing industry, thereby resulting to inadequate houses in most communities in Ghana. The research sought to identify the main challenges encountered by stakeholders in relation to government hous

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Kohler, Karsten, Benjamin Tippet, and Engelbert Stockhammer. "House price cycles, housing systems, and growth models." European Journal of Economics and Economic Policies Intervention 20, no. 3 (2023): 461–90. http://dx.doi.org/10.4337/ejeep.2023.0121.

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The paper provides a framework for theorising the role of house price cycles in national growth models. We synthesise Minskyan approaches with comparative political economy (CPE) by arguing that institutions influence the extent to which countries experience what we call ‘house-price-driven growth models’. First, we argue that house price dynamics have been undertheorised in existing growth models analysis. Finance-led models can be properly understood only against the background of rising house prices that stimulate consumption through wealth effects and investment through construction. Secon

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ZATONATSKA, Tetiana, Olga ANISIMOVA, and Nataliya PEDCHENKO. "Best practices of the public-private partnership for financing social housing." Naukovi pratsi NDFI 2023, no. 3 (2023): 64–76. http://dx.doi.org/10.33763/npndfi2023.03.064.

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In the current socio-economic environment, the issue of providing vulnerable population with affordable and accessible housing has become acute, requiring the public authorities to invest heavily in this area. This problem is relevant not only for Ukraine, where many residential buildings were destroyed as a result of military aggression, but also in other European countries, as quarantine restrictions have caused significant damage to their economies. Another reason for the growing demand for social housing is urbanization, migration, and growing social inequality. The solution to this proble

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Oyewobi, L., O. Agoi, S. Medayese, A. Bilau, V. Martins, and R. Jimoh. "Appraisal of the housing delivery mandate of selected government agencies in Nigeria." Environmental Technology and Science Journal 12, no. 2 (2022): 171–83. http://dx.doi.org/10.4314/etsj.v12i2.16.

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In spite the concerted efforts made by housing stakeholders in formulating and implementing the 2012 National Housing Policy to bridge the gap between housing demand and supply, the housing situation remains in crisis and hampering on existing policies, sustainable housing delivery with consequent socio-economic, environmental, and political implications. These challenges call for an appraisal of the 2012 National housing policy towards identifying effective mechanism for the policy’s implementation. This paper assessed the roles of the housing policy’s implementing agencies (Federal Housing A

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Oyewobi, L., O. Agoi, S. Medayese, A. Bilau, V. Martins, and R. Jimoh. "Appraisal of the housing delivery mandate of selected government agencies in Nigeria." Environmental Technology and Science Journal 12, no. 2 (2022): 171–83. http://dx.doi.org/10.4314/etsj.v12i2.16.

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In spite the concerted efforts made by housing stakeholders in formulating and implementing the 2012 National Housing Policy to bridge the gap between housing demand and supply, the housing situation remains in crisis and hampering on existing policies, sustainable housing delivery with consequent socio-economic, environmental, and political implications. These challenges call for an appraisal of the 2012 National housing policy towards identifying effective mechanism for the policy’s implementation. This paper assessed the roles of the housing policy’s implementing agencies (Federal Housing A

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Abdurakhimova, Dilora Karimovna. "THE IMPACT OF THE DEVELOPMENT OF THE MORTGAGE-BACKED SECURITIES MARKET ON THE COUNTRY'S ECONOMY." Multidisciplinary Journal of Science and Technology 4, no. 12 (2024): 1210–16. https://doi.org/10.5281/zenodo.14580239.

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The article analyzes the impact of the development of the mortgage-backed securities market on the country's economy. Key aspects of the mortgage market are considered, including its structure, regulatory mechanisms, and the role of mortgage-backed securities as a tool for raising capital. The paper analyzes how the development of this market can stimulate economic growth by increasing the affordability of housing, improving the financial stability of banks, and attracting investment. Examples from international practice are considered, and recommendations are offered for improving the mechani

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Konyev, A., and O. Dolgalova. "LEASING WITH THE APPLICATION OF THE MECHANISM OF PUBLIC-PRIVATE PARTNERSHIP IN THE HOUSING AND COMMUNAL SERVICES OF UKRAINE." Sciences of Europe, no. 144 (July 14, 2024): 12–19. https://doi.org/10.5281/zenodo.12739904.

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Housing and communal services (HCS) is a significant socio-economic sector. The conditions and quality of life of the population depend on the level of development of this sphere. The article deals with the investment methods of financing innovative activities in the sphere of housing and communal services. According to the authors, one of the priority tools for reforming this sector is the development of leasing operations within the mechanism of public-private partnership. The study of terminology of leading experts in this area allowed the authors to define the leasing operations of innovat

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