How would these variables affect the "premium" for inner-city housing (relative to housing further away from t? related questions

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How would these variables affect the "premium" for inner-city housing (relative to housing further away from t?0K2012-09-10 18:44:03
a city) ? MedlinePlus MedlinePlus 1. Royals from holding financial assets . This was the more surprising , since it has a strong negative correlation (99.98 % significance ) . Any idea why ? 2. Tax rate : consumption not rent . Also a negative correlation . How are within the city suburbs taxed at a higher rate than their counterparts outside the city ? MedlinePlus 3. Savings Rate . This is obvious , and strongly positively correlated . MedlinePlus 4. Homes financed by loans secured revolving . That is, loans that are secured against assets , and where you can pay a variable time , instead of having to make a constant payment each period . This correlates negatively. MedlinePlus 5. The real changes in equity . Again, a negative correlation. Any idea why ? MedlinePlus All are within 98 % statistical significance . MedlinePlus MedlinePlus Thank you guys .
Housing? please help!?1Mr. smileyface2012-10-14 10:05:02
Will the Council or dwelling house Assosiation quickly if you have a card with a quote repossesion ? is likely to put our house repossessed in the near future , and we both lost our jobs and have not paid the mortgage / council tax / etc secured loan , and will bankcrupt . what is the best way to get a tip ? also have two small children .
How does housing Co-op work?0Maddie2012-11-05 20:31:35
My wife and I are thinking about moving but want to learn all of our options. I am going to school full time and she is supporting us working full time. Here in about 1 year we will be getting living expense loans through my students loans. Is Co-op based on income? If so, if she quits her job to stay home and raise out children, how much will rent be through Co-op? How much of the equity to you get back when you move? (If any) The Co-op place we are looking into is HUD. I have no idea what that means. Any help here would be very much appreciated! I'm trying to research as much as possible but I'm not sure even where to go. If you know of any sources for me to start with that would be of tremendous help! Thanks!!! :) P.S. if you have experience with Co-op please share it with us. Or if you have any other ideas you think could benefit us.
What do you think of the new housing plan?2LC2012-11-02 03:39:02
People who can not pay their mortgages and car have proven irresponsible in the past are being rewarded by the president. MedlinePlus MedlinePlus If you are in the foreclosure process is obtained below market rates applied to your loan . MedlinePlus MedlinePlus The loan is reduced to 31% of your salary before taxes . MedlinePlus MedlinePlus And I love this . To give an incentive to pay their mortgage to get 1000 cash per year over five years by taxpayers . MedlinePlus MedlinePlus Now remember , you only get good if you do not pay your bills . Never mind the 94% of us who bust our *** every month to pay on time , we got nothing . No. I take that back , we have the responsibility to pay some bills noncompliant with our tax money . MedlinePlus MedlinePlus Are you mad ? It should. Call your senators , call the White House tells them what he thinks. Tell them you want a loan of 2 % and 1000 a year to pay .
What are the mathematics of housing loans?1HelpMe Please!!!!2012-11-04 02:15:01
for citizens who struggle with the complexity of repayment schedules . please help . FML why New Zealand has some tough questions . thanks , peace , love
IS THIS WHAT CONTRIBUTED TO THE HOUSING MELTDOWN?1INB22012-08-27 02:59:16
F & F With Clinton Steven A. Holmes Posted: September 30, 1999 In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it purchases from banks and other lenders. The action, which will begin as a pilot program involving 24 banks in 15 markets including New York metropolitan region - will encourage banks to give mortgages to people whose credit is generally not sufficient to qualify for conventional loans. Fannie Mae officials say they hope is a nationwide program by next spring. Fannie Mae, the biggest underwriter of mortgages nationwide has been under increasing pressure from the Clinton Administration to expand mortgage loans among people of low and moderate income and felt pressure from stockholders to maintain its phenomenal growth in profits. In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not enough to qualify for conventional loans, can only get loans from financial institutions which charge interest rates much higher - between three and four percentage points higher than conventional loans. '' Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae president and CEO. '' Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to pay a higher percentage of mortgages in the market for so-called subprime mortgages.'' Demographic information on these borrowers is incomplete. But at least one study indicates that 18 percent of loans in the market for subprime mortgages went to black borrowers, compared with 5 percent of loans in the conventional loan market. In moving, even tentatively, into this new area of ​​lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during the download economic times. However, the company subsidized by the government may have trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980s. '' From the point of view of many, including me, this is another thrift industry growing around us,'' said Peter Wallison, a man living at the American Enterprise Institute. '' If not, the government must step in and bail out the way they came forward and rescued the thrift industry.'' Under the Fannie Mae pilot program, consumers who qualify can get a mortgage interest rate one percentage point above that of a conventional 30 year fixed rate mortgage of less than $ 240,000 - a rate that currently has an average of 7.76 percent. If the borrower makes their monthly payments on time in two years, one percentage point premium is dropped. Fannie Mae, the biggest underwriter of mortgages nationwide, does not lend money directly to consumers. Instead, it purchases loans that banks make what is called the secondary market. By expanding the type of loans they will buy, Fannie Mae is hoping to spur banks to make more loans to people with less than stellar credit ratings. Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority homeowners and low-income HOME program, which tend to have worse credit ratings than non-Hispanic whites. Homeownership, in fact, exploded among minorities during the economic boom of the 1990s. The number of
Is there grants or loans for housing?0radicalred2012-10-06 21:22:41
I am currently going through a nasty separation with my ex - boyfriend . My situation is this : MedlinePlus I quit my job a year ago to go to school full time. MedlinePlus My ex and I separated and I did not work - but managed to stay in school and raise my daughter , to the goodwill of friends and family MedlinePlus . I can not continue to rely on my friends and family to take care of myself and my daughter - my ex does not pay child support - but that's exactly what it is ... that supports it . MedlinePlus I want to be alone in my own apartment with my son . MedlinePlus I am currently enrolled in full-time now with Everest taking online courses . MedlinePlus So my question is , are there any student loans or grants covering living expenses ?
IS THIS WHAT CONTRIBUTED TO THE HOUSING MELTDOWN?4shai2012-08-15 11:20:03
F & F With Clinton Steven A. Holmes Posted: September 30, 1999 In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it purchases from banks and other lenders. The action, which will begin as a pilot program involving 24 banks in 15 markets including New York metropolitan region - will encourage banks to give mortgages to people whose credit is generally not sufficient to qualify for conventional loans. Fannie Mae officials say they hope is a nationwide program by next spring. Fannie Mae, the biggest underwriter of mortgages nationwide has been under increasing pressure from the Clinton Administration to expand mortgage loans among people of low and moderate income and felt pressure from stockholders to maintain its phenomenal growth in profits. In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not enough to qualify for conventional loans, can only get loans from financial institutions which charge interest rates much higher - between three and four percentage points higher than conventional loans. '' Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae president and CEO. '' Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to pay a higher percentage of mortgages in the market for so-called subprime mortgages.'' Demographic information on these borrowers is incomplete. But at least one study indicates that 18 percent of loans in the market for subprime mortgages went to black borrowers, compared with 5 percent of loans in the conventional loan market. In moving, even tentatively, into this new area of ​​lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during the download economic times. However, the company subsidized by the government may have trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980s. '' From the point of view of many, including me, this is another thrift industry growing around us,'' said Peter Wallison, a man living at the American Enterprise Institute. '' If not, the government must step in and bail out the way they came forward and rescued the thrift industry.'' Under the Fannie Mae pilot program, consumers who qualify can get a mortgage interest rate one percentage point above that of a conventional 30 year fixed rate mortgage of less than $ 240,000 - a rate that currently has an average of 7.76 percent. If the borrower makes their monthly payments on time in two years, one percentage point premium is dropped. Fannie Mae, the biggest underwriter of mortgages nationwide, does not lend money directly to consumers. Instead, it purchases loans that banks make what is called the secondary market. By expanding the type of loans they will buy, Fannie Mae is hoping to spur banks to make more loans to people with less than stellar credit ratings. Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority homeowners and low-income HOME program, which tend to have worse credit ratings than non-Hispanic whites. Homeownership, in fact, exploded among minorities during the economic boom of the 1990s. The number of mortgages extended to Hispanic applicants increased by 87.2 percent between 1993 and 1998, according to the Joint Center at Harvard University for Housing Studies. During that same period the number of African Americans who have mortgages to buy a home increased by 71.9 percent and the number of Asian Americans by 46.3 percent. In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 percent. Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have average credit scores worse. In July, the Department of Housing and Urban Development proposed that by 2001, 50 percent of Fannie Mae and Freddie Mac, the portfolio consists of loans to borrowers of low and moderate income. Last year, 44 percent of the loans Fannie Mae purchased were from these groups. The change in policy also comes at a time that HUD is investigating allegations of racial discrimination in automated acceptance systems used by Fannie Mae and Freddie Mac to determine the creditworthiness of credit applicants.
How to get housing/perosnal loan ?0Samee2012-10-08 12:33:53
I have 23 years and earning 2.8 lakhs / annum.I want to build / buy a house in a small town.How I can borrow loan / personal loan ? What is the maximum loan amount for payment? and how abt payment methods ?
Subprime Housing Loans?0Keith2012-10-10 21:16:25
I am in need of a subprime loan to buy a home distraught . Does anyone know where I can find a lender ? My credit is triggered , the average score is 545 ... Have an 8% cash to put down. They just need a bridge loan or temporary financing until my credit improves and I can refi . I can not rent because of my criminal record , my wife took credit cards and put me in debt that is the only reason I have bad credit .
Paying for off campus housing?1reggie2012-08-15 00:13:34
Okay, so you will be attending a community college an hour and a half away from home in the fall. The problem I am facing is that I had planned on using student loans to pay for living off campus in an apartment because the school does not offer housing. But according to the school , you can not do that because they do not offer housing .. I really do not understand .. Where do they expect people like me live? I attend the community college than twenty minutes, but do not have the program that I will be studying , so that the university community an hour and a half away is my only option .. Especially since I did well enough in school to be accepted into a university. So my question is , how in the world going to come up with the money to pay the rent? I can not drive to school every day because I have a car I will go and return. PLEASE HELP ! How I can avoid this?
Financial Aid & Low Income Housing?0Danijel2012-10-16 21:59:39
I want to apply for a low income apartment , and my only source of income is financial aid . I'm curious as to how to go about finding the rent. MedlinePlus I have a grant and a loan . The grant by the time I get the rebate check is almost disappeared due to classes and fees. The loan check coming in is a little less than $ 1800 and is for me to live three months ago . MedlinePlus In addition, the financial aid website that gives me an overview " estimate" how much money is for funding . (ie , divide the money based on fees, tuition, transportation , room and board , etc. ..) Do you mind that you only get an estimate , and is only a guide for working outside . MedlinePlus MedlinePlus So what I 'm wondering is how the low-income apartments (typically, 30% of their income for rent ) go about deciding how much to pay for rent. MedlinePlus My question is , do you think they went out of my TOTAL GRANTS AND LOANS (although I do not see much of the grant ) , or if they are JUST the check you receive me ? Besides, working with me to divide the amount of my income in 3 to 30 % and the use of 1/3 of my money because I only get a check every three months? Or possibly go of what my financial aid papers online to say " room and board " ? MedlinePlus MedlinePlus Sorry if this was confusing , I'm so stressed about this.

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