质押——个人住房消费贷款的一种制度创新

文章分析了推行个人住房消费质押贷款的优势和可行性,探讨了可以用来作为住房质押贷款的质物和住房消费质押贷款的运作机制,最后指出了个人住房消费质押贷款能顺利运作所必须的支撑体系.     

Community involvement in land regularization for informal settlements in Tanzania: A strategy for enhancing security of tenure in residential neighborhoods

This paper documents and analyzes how landholders managed to uplift status of their neighborhood from hazard land as designated by the 1978 master plan to a regularized residential settlement through land regularization in Dar es Salaam city. Specifically, explores policy framework governing land regularization and how the local community explored the opportunities it offers. Documents the local community planning and land regularization processes undertaken focusing on land use planning, drainage construction, and cadastral survey and discuses how financial resources were raised, trust was built as well as factors which sustained community involvement towards meeting their interests of securing tenure. The paper also, draws challenges facing land regularization policy and recommends areas for further interventions commensurate with the human dimension challenges in securing tenure.Underlying community involvement, those aspects of community, which have been connected to the idea of social capital namely existence of committed leadership in land development matters, embracing mechanism for participatory decision making process and educational background to local leaders were particularly important in determining success for the case. Others include economic ability to contribute, high proportion of landholder settlers, land conflict task force formulation, local consensus to solve commonly felt problems, existence of strong community organization, and unwritten norms put in place to regulate individual behavior in building construction. Weak legal recognition of informal settlement, lengthy and bureaucratic procedures in planning and approval of regularization plans, weak knowledge on land management matters, short-term title deeds with low financial betterments, political popularity are identified critical challenges.Some of recommendations put forward include formalization of the grass-roots role in decision-making, decentralizing some of land development control functions to sub-ward leaders and training the same in basic land management matters. Others include definition of norms; by-laws and government facilitation of informal land parceling. Besides community support should be sought so as to create partnership in the promotion of security of tenure in informal areas. The study concludes that, unless land development activities ongoing in informal settlements are closely monitored and regulated as the settlement grow, it will be too costly socially and economically to retrofit once the settlement have identified.     

经济适用住房成本控制体系问题及对策

本文从总结现阶段经济适用房建设的基本模式入手,分析了经济适用房建设中住房成本控制体系中存在的主要问题及其原因,最后提出了若干对策。     

关于商品房购买者的特殊消费者地位问题

确立商品房购买者的特殊消费者地位是消费者权益保护按规律发展的客观体现,是我国房地产业走向成熟的必然结果。确立商品房购买者消费者地位的法律后果体现为商品房购买者享有消费者的各项权益,也体现为商品房经营者承担侵害消费者合法权益的法律责任。     

Determinants of housing quality: A comparison of white,African-American,and Hispanic single-parent women

This study examines housing quality among three groups of single-parent women: white, African-American, and Hispanic. Three indicators of housing quality—crowding, affordability, and satisfaction—are used to discover the extent to which these groups experience housing problems. This study also explores differences and similarities in the factors that precipitate problems in housing quality for these three groups of single parents. Findings suggest important differences and similarities in the nature of housing quality problems among white, African-American, and Hispanic single-parent women. The specified variables explained about 20% of the variance in crowding, housing affordability, and housing satisfaction. On measures of objective and subjective housing quality, white single mothers are better housed than their African-American or Hispanic counterparts. Hispanic single mothers have the largest housing cost burden and average more persons per household than the other groups. African-Americans are twice as likely as either group to live in low-quality housing and reported the lowest average satisfaction with their housing. Her research interests include housing and neighborhood assessment and women and public policy issues. She has recently published articles inUrban Affairs Quarterly andHousing and Society on housing and neighborhood assessment criteria among black urban households and the housing cost burden of various groups of female-headed households. She received her Ph.D. from Ohio State University. Her research interests include the housing adjustment behavior of women and public policy. She has recently completed her thesis on the role of noncustodial parents in determining the quality of life of their children. She is also the recipient of the Tessie Agan Award for research excellence from the American Association of Housing Educators for a paper titled “Unterstanding Constraints and Residential Satisfaction among Low-Income Single-Parent Families.”     

城市老年住宅建设经营市场化运作模式探讨

随着城市人口老龄化的加速、家庭结构的变化和人们思想观念的转变,中国传统的家庭养老方式受到挑战,探索老年住宅市场化运作的多种方式,提高老人的生活质量,已经成为一个迫切需要研究和解决的社会问题。     

First Housing Moves in Spain: An Analysis of Leaving Home and First Housing Acquisition

This paper examines young people's firsthousing acquisition in Spain. The majority ofyoung Spanish people leave home to buy aproperty and to live with a partner and/orchild. We examine the extent to which thistransition dominates first housing moves duringthe 1980s and consider the ways in which widerfamily networks facilitate leaving home to buya property. We then examine characteristicsassociated with deviation from this normativeroute. We find alternative transitions,particularly moving into rented accommodation,are more common among young people from moreadvantaged backgrounds, and those living innorthern Spain.     

经济适用住房建设问题初探--以梅州市房地产市场为例

文章从经济适用住房的特征入手,在对房地产市场特别是经济适用住房的供需市场进行综合分析的基础上,提出发展经济适应住房是培植住宅消费的主方向,最后就经济适用住房建设问题提出若干对策。     

Housing affordability among elderly female heads of household in nonmetropolitan areas

This study investigates the extent and nature of housing affordability for elderly nonmetropolitan female heads of household using data from the Panel Study of Income Dynamics. The results indicate that over one-third of elderly nonmetropolitan female heads of household experience housing poverty and that those who rent, who have fair to poor health, and who are minorities are particularly vulnerable. Housing affordability, measured by the concept of housing poverty, identifies households struggling to meet basic needs while the conventional 25% of income for housing expenditures ratio identifies a larger population. The findings suggest the need for multifaceted public policies to address the problem of housing poverty. Her research interests include housing affordability, housing and community vitality, and decision making. She received her Ph.D. from Purdue University. Sooyoun Park is in the same department as a Project Assistant on a USDA-funded research project entitled “Housing Affordability in Rural Areas,” which is a joint project between Nebraska and Wisconsin. Her research interests focus on housing management behavior in relation to housing expenditure burden. She received her Ph.D. from the University of Nebraska-Lincoln.     

银行个人住房抵押贷款预警系统构想

在分析银行住房抵押贷款的各种风险因素的基础之上，提出模糊预警模型，给出预警结果。