Subprime Cities
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Subprime Cities
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Author : Manuel B. Aalbers
language : en
Publisher: John Wiley & Sons
Release Date : 2012-01-19
Subprime Cities written by Manuel B. Aalbers and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-01-19 with Political Science categories.
Subprime Cities: The Political Economy of Mortgage Markets presents a collection of works from social scientists that offer insights into mortgage markets and the causes, effects, and aftermath of the recent 'subprime' mortgage crisis. Provides an even-handed and detailed analysis of mortgage markets and the recent housing crisis Features contributions from various social scientists with expertise in critical social theories who have assembled and analyzed detailed empirical information Offers a unique and powerful rebuttal to many of the misleading popular explanations of the crisis and its aftermath Reveals how racial minorities and the neighbourhoods inhabited by them are more likely to be targeted by subprime and predatory lenders
Do Subprime Loans Create Subprime Cities Surging Inequality And The Rise In Predatory Lending
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Author :
language : en
Publisher:
Release Date : 2008
Do Subprime Loans Create Subprime Cities Surging Inequality And The Rise In Predatory Lending written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with categories.
The rise in subprime and predatory lending has put many families and neighborhoods in financial jeopardy as default and foreclosure rates skyrocket, particularly in minority and low-income areas. Reform of predatory lending practices is a necessary first step, but a comprehensive approach must take into account the connections between the evolution of financial services and rising inequality, particularly as they affect mortgage lending in the United States. Ameliorating inequities in the provision of financial services is unlikely without addressing the structural sources of inequality. Public policies and private practices have shaped the uneven development of metropolitan areas, and alternative policies and practices can ameliorate those patterns.
Subprime Mortgage Lending In New York City
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Author : Ebiere Okah
language : en
Publisher: DIANE Publishing
Release Date : 2010-08
Subprime Mortgage Lending In New York City written by Ebiere Okah and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-08 with Business & Economics categories.
Subprime mortgage lending expanded in New York City between 2004 and mid-2007, and delinquencies on these subprime loans have been rising sharply. The authors describe the main features of this lending and model the performance of these loans. These subprime loans are found to be clustered in neighborhoods where average borrower credit quality is low and, unlike prime mortgage loans, where African-Americans and Hispanics constitute relatively large shares of the population. The authors estimate a model of the likelihood that these loans will become seriously delinquent and find a significant role for credit quality of borrowers, debt-to-income and loan-to-value ratios at the time of loan origination, and estimates of the loss of home equity. Illus.
Neighborhood Patterns Of Subprime Lending
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Author : Paul S. Calem
language : en
Publisher:
Release Date : 2012
Neighborhood Patterns Of Subprime Lending written by Paul S. Calem and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
This paper estimates, for 7 cities, a model of prime versus subprime allocation of loans in 1997 and 2002 based on both individual loan and neighborhood attributes. The paper is directly interested in the effect of neighborhood racial and ethnic composition on the likelihood of receiving a subprime loan. The paper also allows for interaction of borrower race and ethnicity with neighborhood attributes. A unique feature of the paper is that it provides additional neighborhood controls for the aggregate level of credit risk and the neighborhood level of equity risk.The paper finds some evidence for tightening loan standards over the 5-year period in the subprime market. In both years, even with risk controls, the minority share of neighborhood is consistently significant and positively related to subprime share. Furthermore, neighborhood education level is consistently significant and negatively related to subprime lending.
The Subprime Solution
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Author : Robert J. Shiller
language : en
Publisher: Princeton University Press
Release Date : 2012-09-24
The Subprime Solution written by Robert J. Shiller and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-09-24 with Business & Economics categories.
A best-selling economist reveals the origins of the subprime mortgage crisis and puts forward bold measures to resolve it by restructuring the institutional foundations of the financial system in a thoughtful study by the author of Irrational Exuberance. First serial, The Atlantic.
Effects Of The Subprime Mortgage Crisis In New York City And Efforts To Help Struggling Homeowners
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
language : en
Publisher:
Release Date : 2008
Effects Of The Subprime Mortgage Crisis In New York City And Efforts To Help Struggling Homeowners written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008 with Business & Economics categories.
Subprime Lending
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Author : Susan M. Wachter
language : en
Publisher:
Release Date : 2012
Subprime Lending written by Susan M. Wachter and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Subprime lending serves those with relatively high credit risk and therefore entails higher borrowing costs. This market has grown tremendously over the past decade, although with substantial variation in growth rates across the central cities of metropolitan areas in the US. Previous research has focused on specific cities and has shown that subprime lending historically occurs disproportionately in areas with higher risk, lower income and larger shares of minority households. This paper extends the literature by conducting a nation-wide study of how subprime lending patterns have changed over time across all US central cities. We find subprime lending growth is higher in urban census tracts with higher percentages of Hispanic population, lower levels of educational attainment, and, ceteris paribus, higher median family incomes.
Cities In Global Capitalism
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Author : Ugo Rossi
language : en
Publisher: John Wiley & Sons
Release Date : 2017-05-23
Cities In Global Capitalism written by Ugo Rossi and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-05-23 with Social Science categories.
In what ways are cities central to the evolution of contemporary global capitalism? And in what ways is global capitalism forged by the urban experience? This book provides a response to these questions, exploring the multifaceted dimensions of the city-capitalism nexus. Drawing on a wide range of conceptual approaches, including political economy, neo-institutionalism and radical political theory, this insightful book examines the complex relationships between contemporary capitalist cities and key forces of our times, such as globalization and neoliberalism. Taking a truly global perspective, Ugo Rossi offers a comparative analysis of the ways in which urban economies and societies reflect and at the same time act as engines of global capitalism. Ultimately, this book shows how over the past three decades capitalism has shifted a gear – no longer merely incorporating key aspects of society into its system, but encompassing everything, including life itself – and illustrates how cities play a central role within this life-oriented construction of global capitalism.
Urban Warfare
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Author : Raquel Rolnik
language : en
Publisher: Verso Books
Release Date : 2019-03-26
Urban Warfare written by Raquel Rolnik and has been published by Verso Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-26 with Political Science categories.
How finance and politics have caused the global housing crisis The most comprehensive survey of the current crisis, Urban Warfare charts how the financial crisis and wider urban politics have left millions homeless and in financial desperation across the world. The financialization of housing has become a global catastrophe, leaving millions desperate and homeless. Since the 2008 financial collapse, models of home ownership, originating in the US and UK, are being exported around the world. Using examples from across the globe, Rolnik shows how our cities have been sold to construction companies and banks, while supported by government-facilitated schemes, such as “the right to buy” subsidies and micro-financing. Our homes and neighbourhoods have become the “last subprime frontiers of capitalism,” organised by those who benefit the most.
Geography And Social Justice In The Classroom
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Author : Todd W. Kenreich
language : en
Publisher: Routledge
Release Date : 2013
Geography And Social Justice In The Classroom written by Todd W. Kenreich and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Education categories.
This volume posits geography as a bridge between the natural and social sciences, demonstrating how issues such as discrimination and poverty can be more deeply understood with a spatial perspective from varying scales: individual, community, region, nation, and world. It explores new developments in geography and their implications for the K-12 social studies curriculum, introducing teachers and teacher educators to new research in the field and providing theoretical and practical examples of geography in the curriculum.