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Mortgage Finance Market And Housing Affordability In Urban Areas In Rwanda: A Case Of Kigali City, Samuel Iyandemye, Jonas Barayandema, Faustin Gasheja
Mortgage Finance Market And Housing Affordability In Urban Areas In Rwanda: A Case Of Kigali City, Samuel Iyandemye, Jonas Barayandema, Faustin Gasheja
Journal for the Advancement of Developing Economies
Rapid urbanization in Rwanda has considerably increased housing demand and the need for a dependable mortgage market. Unfortunately, the capacity of most people to afford to own homes from their own incomes is still a challenge as mortgages products are available at outrageous conditions making mortgage finance unaffordable. For better market readjustment, the effects or mortgage market factors on housing affordability in any locality should be properly evaluated. The objective of this study is to determine how mortgage finance market affects the affordability of housing in Kigali, the capital city of Rwanda. To attain this objective, data was obtained from …
Race, Ethnicity, And The Great Recession : A National Evaluation Of Mortgages And Subprime Lending, 2004-2010, Meghan M. O'Neil
Race, Ethnicity, And The Great Recession : A National Evaluation Of Mortgages And Subprime Lending, 2004-2010, Meghan M. O'Neil
Legacy Theses & Dissertations (2009 - 2024)
The dissertation analyzes multilevel models to predict mortgage origination and the allocation of subprime credit pre-and-post Great Recession. With representative samples from two full years of mortgage applications filed in the top 100 U.S. metropolitan areas, the dissertation uncovers evidence of persistent disparities by race and neighborhood minority concentration despite controls for socioeconomic, demographic, assimilation and housing variables. Mortgage outcomes varied by applicant race, neighborhood racial composition and neighborhood racial change. Findings suggest evidence of Fair Housing Act violations and disparate impacts towards minority homebuyers and minority neighborhoods. Results lend support for spatial assimilation theories in explaining much of the …