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The Finnish electronic mortgage system provides information on mortgages in the registered title and mortgage register, as well as supplementary information on the name of the holder of the mortgage. (...) The Property Transaction System allows the current registered holder of the mortgage to apply for a change on the mortgage information in the title and mortgage register, as when transferring an electronic mortgage document to a new holder. (...) In all cases, the right of the applicant to submit the application (that the applicant is the current holder of the mortgage) is checked. To enhance further the security of the transfer of electronic mortgage documents the holder who applied for the transfer is notified of the change in the name of the holder of the mortgage immediately after the decision on the matter has been made.
Language:English
Score: 1368158.8 - https://unece.org/sites/default/files/2021-10/Fraud_LA_E.pdf
Data Source: un
Local governments have started to seek finance in national and global markets, but this is only in its initial phase. New mortgage providers have emerged, including commercial financial institutions and mortgage companies. (...) Most of these new homeowners required a mortgage loan to complete the financing of their new home. (...) Since then the role of the Ministry of Housing as a hous- ing subsidy provider to the poor has been enhanced. However, the figures in Table 2 still include many homeowners that received direct mortgages from the regional agencies.
Language:English
Score: 1327454.2 - https://unhabitat.org/sites/de...%20Mechanisms%20in%20Chile.pdf
Data Source: un
The demand factors – increasing household income, falling interest rates and inflation – also contributed. The ratio of mortgage debt to GDP, in fact, more than doubled in the last three years in these countries (except for Croatia, Hungary, Poland and Slovakia), albeit from very low levels in some cases. (...) However, when compared to the EU-25 average ratio of 47.5% (2005), the level of residential mortgage debt remains rather low, particularly in the CIS countries, ranging between 0.03% in Armenia and 0.2% in Russia to 2.9% in Kazakhstan. (...) Protocol on water and health Source: Central Banks’ websites, World Bank and European Mortgage Federation. mailto:info.ece@unece.org http://www.unece.org/env/water http://www.unece.org/env/water http://www.euro.who.int/watsan http://www.euro.who.int/watsan mailto:protocol.water_health@unece.org mailto:protocol.water_health@unece.org mailto:watsan@ecr.euro.who.int mailto:watsan@ecr.euro.who.int
Language:English
Score: 1278174.6 - https://unece.org/fileadmin/DA...2007/UNECE_weekly_2007-210.pdf
Data Source: un
Introduced a new microleasing product, the Mortgage and Asset Financing Loan (MAFL), to purchase productive assets like land, vehicles, equipment etc. (...) Relevant links: 1 Page poster with summary of MF4DW intervention PRIDE Microfinance Ltd., Uganda: Microleasing and risk management: An action research report of the Mortgage and Asset Financing Loan. Tags: microfinance, social finance, finance Regions and countries covered: Uganda Tools A A+ A++ Print Share this content in Microfinance for Decent Work – Enhancing the impact of microfinance: Evidence from an action research programme Key resources MF4DW individual impact assessments How microfinance develops decent work See also Project documentations Talking about MF4DW Presenting MF4DW Newsflashes from MF4DW Publication Leasing for Small and Micro Enterprises.
Language:English
Score: 1263238.9 - www.ilo.org/empent/area...WCMS_440086/lang--en/index.htm
Data Source: un
Introduced a new microleasing product, the Mortgage and Asset Financing Loan (MAFL), to purchase productive assets like land, vehicles, equipment etc. (...) Relevant links: 1 Page poster with summary of MF4DW intervention PRIDE Microfinance Ltd., Uganda: Microleasing and risk management: An action research report of the Mortgage and Asset Financing Loan. Tags: microfinance, social finance, finance Regions and countries covered: Uganda Tools A A+ A++ Print Share this content in Microfinance for Decent Work – Enhancing the impact of microfinance: Evidence from an action research programme Key resources MF4DW individual impact assessments How microfinance develops decent work See also Project documentations Talking about MF4DW Presenting MF4DW Newsflashes from MF4DW Publication Leasing for Small and Micro Enterprises.
Language:English
Score: 1263238.9 - https://www.ilo.org/empent/are...WCMS_440086/lang--en/index.htm
Data Source: un
Local governments have started to seek finance in national and global markets, but this is only in its initial phase. New mortgage providers have emerged, in- cluding commercial financial institutions and mortgage companies. (...) The top 30 percent earners have no trouble accessing a mortgage loan. It is the low income sector that has problems in entering the mortgage market because of high transaction costs and the credit risks to the lenders. (...) Finance companies can play a role in medium-term mortgage lending with the availability of liquidity funding from SMF, which could increase competition in the mortgage sector and improve the diversi- fication of risk for the FCs.
Language:English
Score: 1257505.1 - https://unhabitat.org/sites/de...echanisms%20in%20Indonesia.pdf
Data Source: un
From 2000 to mid-2006, when house prices peaked, prices increased by about 100 per cent, as did the amount of outstanding residential mortgage debt (figure 1). The accumulation of mortgage debt continued even after house prices started to decline, but eventually peaked in the second quarter of 2008. The spike in mortgage debt has imposed a heavy burden on households. (...) Households deleveraged through default, paying off mortgages, taking out fewer new mortgages, and refinancing. the start of the 6 7 8 9 10 11 12 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Mortgage debt to disposable income ratio Multifamily-structure mortgages (share of total residential mortgages) Percentage Figure 2: Mortgage nancial burden and multifamily-structure mortgage Source: UN/DESA, based on data from United States Federal Reserve.
Language:English
Score: 1233766.8 - https://www.un.org/development...uploads/sites/45/wesp_wh26.pdf
Data Source: un
Until the early 2000s, subprime mortgages represented a modest, almost inconsequential, part of the mortgage financing system. (...) Subprime mortgage products offered low teaser rates to attract customers. (...) Sixth, securitization, whether of home mortgages, commercial mortgages, or commercial and industrial loans, can play a useful role, but not for everybody.
Language:English
Score: 1229023.6 - https://www.un.org/esa/ffd/wp-...4/20080408_Kubarych-Speech.pdf
Data Source: un
The product of the Programme was affordable housing mortgages for the eligible beneficiaries who purchased newly constructed apartments from the selected construction companies. The CEB and MNE commercial banks co-financed the mortgages (50% and 45% respectively), the beneficiary participation was 5% down-payment, and the MNE government provided the interest rate subsidy. (...) Programme implementation:  Programme’s manual  Set-up of Programme Implementation Unit  Public calls and selection of ultimate beneficiaries, commercial banks, and apartments  Support to the eligible beneficiaries through the housing mortgage application process  Approval of the housing mortgages and beneficiary taking over of the purchased apartments Results and impact  Over 800 eligible low to medium income households purchased their flats through the project  Competition among the commercial banks and construction companies; the mortgage interest rates and cost of real-estate reduced  Re-mobilisation of construction industry post-2009 economic crisis and a positive knock-on effect on the banking sector  Innovative IT platform and the programme’s outreach and visibility  Strengthened long-term social integration of low-income families, addressed through national housing strategy 2011-2020, and law on social housing 3 Challenges and lessons learned Challenges:  high mortgage insurance cost and 5% down-payment hindered the housing mortgage affordability  still high interest rates for the housing mortgages comparing to the EU market  real-estate transactions geographically concentrated on capital Podgorica  the limited timing of beneficiary selection Lessons learned and corrective measures taken into account in the 3rd phase of the programme:  5% down-payments is reduced to 3%, the maximum interest rate for the mortgages capped to 2.99%  competition among insurance companies created  off-capital available housing (second-hand apartments, individual houses) became eligible; this will geographically spread real-estate transactions and contribute to the housing mortgage affordability  public calls for the selection of the beneficiaries will be time-opened until the full allocation of funds Potential for replication This model could be replicated in other location, providing careful consideration of the housing market, needs, and beneficiary categories.
Language:English
Score: 1197646.6 - https://unece.org/DAM/RCM_Webs...of_Europe_Development_Bank.pdf
Data Source: un
The framework consists of a four-step methodology that provides a consistent method for assessing, prioritising and catalysing Promoting Energy Efficiency Standards and Technologies to Enhance Energy Efficiency in Buildings 29 March 2020 This publication builds  on the outcomes  of  projects implemented  in  the  period 2017-2019 by two Divisions of UNECE - Sustainable  Energy  Division and  Forests,  Land  and  Housing  Division , and also  takes  stock  of the results  of  activities undertaken  by the UNECE Joint  Task  Guidelines for the formalization of informal constructions 30 December 2019 This publication is a brief, practical and easy-to-read guide, explaining how to structure a programme for the formalization of informal constructions. The focus is on the formalization process itself, but there are also descriptions of the preparatory work needed to analyze problem magnitude, as Survey on costs for registration and transfer of real estate and mortgages for the ECE region 15 December 2019 This report presents final results of a study on benchmarking in land administration on the costs for registration/transfer of real estate and mortgages for the ECE region. The study covers costs of the registration of transfers, establishment of mortgages, subdivision of a land parcel and Smart Sustainable Cities Profile - Voznesensk, Ukraine 09 December 2019 This publication is the second profile on smart sustainable cities in the UNECE region, after Goris, Armenia.
Language:English
Score: 1191279.4 - https://unece.org/publications/housing-and-land-management
Data Source: un