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Loan terms of the Community Mortgage programme 20 a.4. (...) The loan is to be secured by a First Real Estate Mortgage on the land itself and all improvements thereon. (...) However, this provision of the Community Mortgage Programme could not surmount the other factors affecting off-site projects. 20 COMMUNIty-BaSeD hOUSING FINaNCe INItIatIveS a.3. loaN TeRMs of THe CoMMUNITY MoRTGaGe PRoGRaMMe The Community Mortgage Programme loan is granted in three stages.
Language:English
Score: 2197469.5 - https://unhabitat.org/sites/de...ng%20Finance%20Initiatives.pdf
Data Source: un
CMHC fulfills its housing finance mandate by providing mortgage loan insurance to lenders across Canada and guaranteeing timely payment of interest and principal on NHA Mortgage-Backed Securities and Canada Mortgage Bonds; thereby insuring a steady source of funds for Canadian home buyers. (...) CMHC is Canada’s largest mortgage insurer. Mortgage loan insurance protects mortgage lenders against potential default on the part of mortgage borrowers. (...) CMHC also offers various mortgage loan insurance flexibilities to developers of affordable rental projects, such as larger rental loans, reduced mortgage loan insurance premiums and greater flexibility related to cash flow requirements and loan advancing.
Language:English
Score: 2179739 - https://www.ohchr.org/sites/de...ng/Housingfinancing/Canada.pdf
Data Source: un
It was far more efficient to divide the single business model into three parts, with specialization in origination of mortgages, loan servicing, and investing. By this separation, large mortgage-market participants could amass expertise and advanced technology. (...) Many were not creditworthy under normal standards. But the mortgage bankers developed variations on conventional loans to allow them to borrow. (...) 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: 2166818.2 - https://www.un.org/esa/ffd/wp-...4/20080408_Kubarych-Speech.pdf
Data Source: un
When borrowers themselves raise unfair terms in their mortgages, there is a lack of consistent judicial interpretation of unfair terms to borrowers with mortgage loans. (...) The Widespread Consequences of Romania’s Failure to Protect Human Rights: The Bucurs’ mortgage is just one of the many thousands taken in the 2006-2008 period, during which banks granted the largest number of mortgage loans ever granted in Romania. (...) The number of new debtors with overdue payments of more than 90 days has decreased in the case of housing loans and mortgage-secured consumer loans (by 19 and 31 percent, respectively).
Language:English
Score: 2162715.2 - https://www.ohchr.org/sites/de...rtPrivateDebt/OSJI-Romania.pdf
Data Source: un
NPLs of BTN’s mortgage portfolio increased from 3.2 to 5.3 percent between December 2004 and August 2005, mostly due to high NPLs on subsidized mortgage loans (see be- low). Expected interest rate increases could cause these NPLs to rise further as the great majority of mortgage loans are adjustable rate loans without caps. (...) Loans for housing comprised only 0.5 percent. 7 These are not yet used for mortgage payments, nor are electronic transactions and mortgage related trans- actions are mostly paper-based. 8 Loans to FC comprised 66 percent of new bank bor- rowing in 2004.
Language:English
Score: 2156315.8 - https://unhabitat.org/sites/de...echanisms%20in%20Indonesia.pdf
Data Source: un
Prior to the crisis, hundreds of thousands of households took long-term loans (as in many other countries in Eastern Europe),—mortgage loans in particular—denominated in foreign currencies, mostly the euro and the Swiss franc. (...) In 2011, the Government adopted repayment schemes, according to which foreign currency mortgage loans could be repaid with a lump sum at artificially weak exchange rates before maturity. (...) Per cent 0 5 10 15 20 25 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Among total loans Among mortgage loans (FX) 2011 2012
Language:English
Score: 2146370 - https://www.un.org/development...uploads/sites/45/wesp_wh28.pdf
Data Source: un
.” - Buckminster Fuller ● Payments ○ Deposits/Checks ○ FRNs/Coins ○ Government /Interbank) ● Safe/Near-Safe Assets ○ Deposits ○ Securitized debt ● Credit ○ Loans/Overdrafts ○ Collateral evaluation DFC System Social Functions of Banks “Whenever a bank makes a loan, it simultaneously creates a matching deposit in the borrower’s bank account, thereby creating new money … - Bank of England “[T]he central bank … will in effect publicly monetize the promissory note ... placing the full faith and credit of the United States behind the credit of the individual. - Robert Hockett & Saule Omarova Banking: Old Approach Assets Liabilities Deposits Mortgage Bank Assets Liabilities Mortgage Deposits Assets Liabilities Banking: Old Approach Assets Liabilities Deposits Mortgage Bank Assets Liabilities Mortgage Deposits Reserves Secured Overdraft (mortgage) Assets Liabilities Secured Overdraft (mortgage) Reserves Banking: New Approach Assets Liabilities (DFC) Mortgage Bank Assets Liabilities Mortgage (DFC) Assets Liabilities Banking: New Approach Assets Liabilities DFC Mortgage Bank Assets Liabilities Mortgage (DFC) (DFC) Secured Overdraft (mortgage) Assets Liabilities Secured Overdraft (mortgage) DFC “the central bank can easily accommodate any increase in the demand for reserves—provided banks hold adequate collateral—since it can create them.” - International Monetary Fund “The hard lesson of banking history is that the liability side of banking is not the place for market discipline.” - Warren Mosler Banks as Franchisees of Public Credit ● Similar to Unlimited Deposit Insurance ● Do One Thing Well: Underwriting/Credit Analysis ● Asset-side Discipline: Collateral/Loan Quality www.modernmoneynetwork.org The Modern Money Network Rohan Grey rlg265@cornell.edu
Language:English
Score: 2120503.7 - https://www.itu.int/en/ITU-T/W...0180718/Documents/RG%20ITU.pdf
Data Source: un
Rogozhina, “Residential mortgage lending risk management of affordable housing market development in Russia”, 2004, mimeo. 42 Mortgage lending, understood as a loan secured by the dwelling being purchased, is a narrower concept than housing loans, which have the same purpose but are not necessarily backed by this lien. (...) The terms and conditions for this type of loan are obviously less favourable than for mortgage financing, which becomes the dominant type of housing loan once it is available. (...) Note: Croatia, Estonia, Latvia, Lithuania, Poland, Slovakia, Slovenia: the data are for housing loans instead of just mortgages; Czech Republic: in addition to mortgages listed above, there are also housing construction loans (3 per cent of GDP in 2004); Kazakhstan: total housing and construction loans constituted 2.3 per cent of GDP in 2004; Russian Federation: housing loans (including mortgages) were 0.3 per cent of GDP in 2004; Romania: housing loans as of end January 2004 for year 2003; Croatia: housing loans as of end January 2002 for year 2001. 11 On the other hand, there are also obvious demand factors that have been affecting the growth of housing loans.
Language:English
Score: 2108667.2 - https://unece.org/DAM/oes/disc_papers/ECE_DP_2005-5.pdf
Data Source: un
Geraldine and Martin Grant owned their home outright when in 2004 they decided to take out a mortgage for €70,000 from GE Capital Woodchester Home Loans Ltd. to pay for improvements to the heating system and to insulate the house. (...) Three years later, they were cold- called by a mortgage broker and refinanced the original loan – which they were already having difficulty paying – and consolidated a number of other debts (a car loan and a credit union debt) into a new mortgage for €130,000. (...) The failure of the Irish courts to comply with EU fundamental rights protections The effectiveness of EU consumer law is systematically undermined by the current court process in Ireland in relation to mortgage proceedings15. In Ireland, the Circuit Court is the competent court for housing loan mortgages.
Language:English
Score: 2099434.8 - https://www.ohchr.org/sites/de...rtPrivateDebt/OSJI-Ireland.pdf
Data Source: un
Banks report that in cases where orphaned children are left alone to deal with a debt left behind by their parents the banks resort to the life cover, the loan is paid up and the orphans receive a mortgaged house. On the issue of a bank’s lending to HIV/AIDS victims, banks in South Africa state that they do not discriminate against HIV-AIDS victims. 1.2.3 MORTGAGE INSURANCE COvER The Office of the Banking Adjudicator has called on South Africa’s banking industry to undertake a comprehensive audit of all its mortgage loans to ensure that adequate insurance cover is available to homeown- ers across the broad spectrum of society. (...) Large banks argued that the risks of underwriting small mortgages were increasing and the profit margin on loans less than R80 000 was making banking operations unsustainable.
Language:English
Score: 2079139 - https://unhabitat.org/sites/de...tems%20In%20South%20Africa.pdf
Data Source: un