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Most public workers in Nigeria have always faced the problem of housing either during service or after retirement. This is because the mechanism put in place by the government for tackling the housing problem has not met their expectations. Due to that, workers started using alternative means to solve their housing needs. This study measured the level of housing activities carried out by the cooperative society and assessed cooperators' satisfaction with the activities in Plateau State, Nigeria. The study was based on a questionnaire survey conducted on institution-based cooperative societies engaged in cooperator housing activities using various methods. Data was collected from Jos University Teaching Hospital JUTH multipurpose cooperative society in the State. Data were analysed with descriptive statistical tools using mean ranking, and a 5-Point Likert scale was used to determine the level of each activity. It was found that housing development, direct purchases of houses, private-public projects and building materials purchase ranked highest.In contrast, processing land and building documents, housing loans, and land allocation were the least ranked contrary to popular belief that cooperative societies only achieved land allocation and granting of housing loans. Also, the respondents were most satisfied with housing development, directly purchased houses, building materials purchase, transaction cost, while their level of satisfaction on interest to be paid on loans for housing, cost of loan recovery, processing of land and building document and land allocation were ranked least respectively. Therefore, the study concluded that cooperators satisfaction should be given consideration in all activities to improve patronage for their various housing needs at all times.

In a number of countries a substantial proportion of mortgage loans is denominated in foreign currency. In this paper we demonstrate how their presence affects economic policy and agents' welfare. To this end we construct a small open economy model with housing loans denominated in domestic or foreign currency. The model is calibrated for Poland - a typical small open economy with a large share of foreign currency loans (FCL). We show that FCLs negatively affect the transmission of monetary policy. In contrast, their impact on the effectiveness of macroprudential policy is much weaker but positive. We also demonstrate that FCLs increase welfare when domestic interest rate shocks prevail and decrease it when risk premium (exchange rate) shocks dominate. Under a realistic calibration of the stochastic environment FCLs are welfare reducing. Finally, we show that regulatory policies that correct the share of FCLs may cause a short term slowdown.

Intro -- Library of Congress Cataloging-in-Publication Data -- Contents -- Preface -- Overview of Federal Housing Assistance Programs and Policy -- Summary -- Introduction -- History and Evolution of Federal Housing Assistance Policy -- The Beginning of Federal Housing Assistance: FHA and Public Housing -- Government Subsidization of Private Development -- Rethinking the Strategy: From Construction Subsidies to Rent Subsidies -- Increasing Role of State and Local Governments -- Reforming Rental Assistance -- Today's Housing Assistance Programs -- Rental Housing Assistance -- Section 8 Vouchers -- Other Tenant-Based Rental Assistance -- Public Housing -- Project-Based Section 8 Rental Assistance -- Section 202 Supportive Housing for the Elderly Program and the Section 811 Housing for Persons with Disabilities Program -- Other Rent-Restricted Units -- Rural Rental Housing (Section 515) and Rental Assistance (Section 521) -- Funding for States and Localities -- Low Income Housing Tax Credit -- Mortgage Revenue Bonds -- Community Development Block Grants -- HOME Block Grants -- Homeless Assistance Grants -- Housing Opportunities for Persons with AIDS -- NAHASDA -- Homeownership Assistance -- Federal Housing Administration -- Department of Veterans Affairs Loan Guarantees -- Federal Home Loan Banks -- Department of Agriculture Rural Housing Loans -- Section 235 -- Mortgage Interest Deduction -- Issues and Trends in Housing Assistance Programs -- Incidence of Housing Problems -- Characteristics of Families Receiving Assistance -- The Federal Government's Role in Housing -- Shift to Tenant-Based Assistance -- Promoting Homeownership -- Data -- Key CRS Housing Policy Experts -- End Notes -- Section 202 and Other HUD Rental Housing Programs for Low-Income Elderly Residents -- Summary -- Introduction -- HUD Housing Programs

The Indian Housing Finance Market witnessed dramatical changes as a result of Policy initiatives, characterized by institutional build up, technological advancements, modernization and transparent practices. The change in the Housing Finance Market is also reflected in the increased number of Borrowers. Inspite of the developments in the Housing Finance Market, many low income borrowers continue to keep away due to prevalence of uncertainity in their income and investment knowledge and affordability criteria.This calls for the attention of the government and policy makers to understand the factors influencing the Housing Finance Market operations which enable them to decide the options. In effect, it can be reasoned that a prospective borrower is faced with the problem of choice in his attempt to access a housing loan. Which factors would affect his ultimate choice of a housing loan from available financing sources? This paper aims to examine the awareness level of the Borrowers with respect to different housing parameters.

AbstractThis paper provides evidence that the 2007–2009 housing bust in the United States precipitated a "credit crunch" for small businesses. To remove demand‐driven correlations, we rely on within‐city comparisons. We ask whether banks whose mortgage portfolios were more heavily weighted in harder‐hit cities cut back lending to a greater extent in all cities where they make small business loans, relative to other banks in those cities. The evidence is consistent with a credit crunch. Large banks reacted with heavier cuts, but consistent evidence is also found among smaller banks. Quantitatively, the detected contribution to the overall decline in lending from the crunch appears modest.

"86243p0s-34"--P. [3]. ; "Issued by Federal Housing Administration." ; Cover title. ; Mode of access: Internet.

"U.S. Government Printing Office: 1934-89124"--P. 4. ; Cover title. ; Mode of access: Internet.