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There is a large shortage of affordable housing across Europe. In high‐demand urban areas housing shortages lead to unaffordable prices for many target groups. This book explores innovations to support a sufficient supply of affordable and sustainable rental housing. Affordable housing is increasingly developed, financed and managed by a mix of market, state, third sector and community actors. Recent decades in large parts of the Western world have consecutively shown state-dominated, non-profit housing sectors, an increased role for market forces and the private sector, and the rise of initiatives by citizens and local communities. The variety of hybrid governance and finance arrangements is predicted to increase further, leading to new affordable housing delivery and management models. This book explores these innovations, with a focus on developments across Europe, and comparative chapters from the USA and Australia. The book presents new thinking in collaborative housing, co-production and accompanying finance mechanisms in order to support the quantity and the quality of affordable rental housing. Combining academic robustness with practical relevance, chapters are written by renowned housing researchers in collaboration with practitioners from the housing sector. The book not only presents, compares and contrasts affordable housing solutions, but also explores the transferability of innovations to other countries. The book is essential reading for researchers and professionals in housing, social policy, urban planning and finance.
The global increase in the number of slums calls for policies which improve the conditions of the urban poor, sustainably. This volume provides an extensive overview of current housing policies in Asia, Africa and Latin America and presents the facts and trends of recent housing policies. The chapters provide ideas and tools for pro-poor interventions with respect to the provision of land for housing, building materials, labour, participation and finance. The book looks at the role of the various stakeholders involved in such interventions, including national and local governments, private sector organisations, NGOs and Community-based Organisations.
The study explores housing affordability challenges and existing policy instruments for improving housing affordability in the regions covered by UNECE and presents examples of "good practices" in improving housing affordability among countries and cities. The study focuses on four topics, namely: housing governance and regulation; access to finance and funding; access and availability of land for housing construction; and Climate-neutral housing construction and renovation.
Practical ideas to provide affordable housing to more Americans Much ink has been spilled in recent years talking about political divides and inequality in the United States. But these discussions too often miss one of the most important factors in the divisions among Americans: the fundamentally unequal nature of the nation’s housing systems. Financially well-off Americans can afford comfortable, stable homes in desirable communities. Millions of other Americans cannot. And this divide deepens other inequalities. Increasingly, important life outcomes—performance in school, employment, even life expectancy—are determined by where people live and the quality of homes they live in. Unequal housing systems didn’t just emerge from natural economic and social forces. Public policies enacted by federal, state, and local governments helped create and reinforce the bad housing outcomes endured by too many people. Taxes, zoning, institutional discrimination, and the location and quality of schools, roads, public transit, and other public services are among the policies that created inequalities in the nation’s housing patterns. Fixer-Upper is the first book assessing how the broad set of local, state, and national housing policies affect people and communities. It does more than describe how yesterday’s policies led to today’s problems. It proposes practical policy changes than can make stable, decent-quality housing more available and affordable for all Americans in all communities. Fixing systemic problems that arose over decades won’t be easy, in large part because millions of middle-class Americans benefit from the current system and feel threatened by potential changes. But Fixer-Upper suggests ideas for building political coalitions among diverse groups that share common interests in putting better housing within reach for more Americans, building a more equitable and healthy country.
Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition) The Law Library presents the complete text of the Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition). Updated as of May 29, 2018 Section 1108 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) to require the Federal Housing Finance Agency (FHFA) to establish prudential standards (Standards) relating to the management and operations of the Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac), and Federal Home Loan Banks (Banks) (collectively, regulated entities). This final rule implements those HERA amendments by providing for the establishment of the Standards in the form of guidelines, which initially are set out in an appendix to the rule. The final rule includes other provisions relating to the possible consequences for a regulated entity that fails to operate in accordance with the Standards. This book contains: - The complete text of the Prudential Management and Operations Standards (US Federal Housing Finance Agency Regulation) (FHFA) (2018 Edition) - A table of contents with the page number of each section
This book offers a unique perspective on urban processes affecting tourist spaces and city centres. Economic, social and environmental uncertainty has been commonplace since March 2019, when mobility slowed down across the globe. The COVID-19 pandemic accelerated trends that have been investigated in urban space for years. The incorporation of technologies, the expansion of tourism and the introduction of policies that in part want to advance sustainability are generating processes of reorganisation of territories that are driving changes. These changes will affect models of city, urbanism and society. This publication is directed to a wide spectrum of people interested in urban processes, tourism and social change in the context of the Post-Pandemic Covid-19. In particular, the book is aimed at researchers, undergraduate and postgraduate students, consultants, public administrations and the public interested in the recent challenges that are affecting developed and developing societies.
TOPICS IN THE BOOK The Moderating Role of Technology on the Link between Strategic Training and Performance of State Ministries: Perspectives from Kenya Influence of Strategic Management Practices on the Performance of Uganda Police Force Technological Strategies and Performance of the Judicial Sector in Kenya: A Case of Nairobi City County Strategic Management Practices on Performance of Family-Owned Firms in the Manufacturing Sector in Kenya Challenges Hampering Adoption of Different Housing Models to Access Housing by Households in Nairobi County
Despite acknowledging that a 'handful' of providers give him concern, the Regulator is reluctant to give them lower financial viability ratings, fearing that doing so might trigger an upward re-pricing of their debt. Instead, the Regulator uses governance ratings to signal concerns about financial viability. This practice lacks openness and should stop and accurate financial viability ratings should be published. The fear of triggering a re-pricing also prevents the Regulator from using many of his statutory powers, preferring to adopt informal approaches instead. This lacks transparency and risks too close a relationship developing between the Regulator and providers. The devolved administrations' housing regulators, not to mention regulators in other sectors, must encounter similar dilemmas. The Regulator should work with them to see how they have addressed his concern that the use of statutory powers could prove counter-productive. The Committee's concerns are underlined by the case of Cosmopolitan Housing Group, which came close to insolvency in 2012. The Regulator only lowered its financial viability rating for Cosmopolitan in December 2012, despite the fact that he had been monitoring the situation for months and the possibility of insolvency had been raised in the media two months previously. The report also raises concerns about how effectively the Regulator is discharging his remit for consumer regulation. Noting that of 111 complaints related to consumer standards referred to the Regulator no case of serious consumer detriment was found, the Report calls for an annual external check to be carried out to provide assurance that the Regulator is discharging his duties effectively