Impact of the Credit Crunch on the Scottish Economy and the Scottish Housing Market PDF Download
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Author: Kate Berry
Publisher:
ISBN:
Category :
Languages : en
Pages : 26
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Author: Kate Berry
Publisher:
ISBN:
Category :
Languages : en
Pages : 26
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Book Description
Author: Colin Jones
Publisher: John Wiley & Sons
ISBN: 1118280830
Category : Law
Languages : en
Pages : 337
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Book Description
This timely book addresses key challenges faced by policy makers and the house-building industry in a post-credit crunch world. It examines the implications for households, the housing market, the economy, as well as for government's policy choices. Challenges of the Housing Economy: an international perspective brings together experts from around the world to examine recent housing market trends. The contributions reveal common long-term trends in housing markets worldwide. Despite differences in supply conditions and the role of planning, there is a trend toward rising house prices that has created significant barriers to home ownership for young households while increasing the wealth of older generations. The financial crisis had a differential impact on housing markets but in many countries where mortgage finance became severely constrained, house prices fell and there was a dramatic fall in housing construction. The falls in house prices in these countries have ostensibly improved affordability but the housing markets have been dominated by the lowering of loan to values applicable to new mortgages which has further raised the hurdles to potential first-time purchasers. At the same time as young households are increasingly rationed out of owner-occupation, public sector expenditure cut-backs in many countries result in limited new social housing. Instead, value for money imperatives will mean new funding models for affordable housing that require greater use of public-private partnerships. The private rented sector could potentially meet the demand for the new generation of long-term renters. However, there are doubts - in the UK at least - that this sector will be able to expand significantly or provide an appropriate type and standard of housing. This is an essential advanced text for students and researchers of land economy and land management; property and real estate; housing policy; and urban studies.
Author: Scotland. Communities Analytical Services
Publisher:
ISBN: 9780755995028
Category : Housing
Languages : en
Pages : 25
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Book Description
Provides analysis of changing housing aspirations needs and demands in the Light of the credit crunch and the recession. It is based upon questions on the Scottish Political Opinion Monitor omnibus survey run by Ipsos-MORI.
Author: Colin Jones
Publisher: John Wiley & Sons
ISBN: 0470672331
Category : Law
Languages : en
Pages : 337
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Book Description
This timely book addresses key challenges faced by policy makers and the house-building industry in a post-credit crunch world. It examines the implications for households, the housing market, the economy, as well as for government's policy choices. Challenges of the Housing Economy: an international perspective brings together experts from around the world to examine recent housing market trends. The contributions reveal common long-term trends in housing markets worldwide. Despite differences in supply conditions and the role of planning, there is a trend toward rising house prices that has created significant barriers to home ownership for young households while increasing the wealth of older generations. The financial crisis had a differential impact on housing markets but in many countries where mortgage finance became severely constrained, house prices fell and there was a dramatic fall in housing construction. The falls in house prices in these countries have ostensibly improved affordability but the housing markets have been dominated by the lowering of loan to values applicable to new mortgages which has further raised the hurdles to potential first-time purchasers. At the same time as young households are increasingly rationed out of owner-occupation, public sector expenditure cut-backs in many countries result in limited new social housing. Instead, value for money imperatives will mean new funding models for affordable housing that require greater use of public-private partnerships. The private rented sector could potentially meet the demand for the new generation of long-term renters. However, there are doubts - in the UK at least - that this sector will be able to expand significantly or provide an appropriate type and standard of housing. This is an essential advanced text for students and researchers of land economy and land management; property and real estate; housing policy; and urban studies.
Author: Binod Chongbang
Publisher:
ISBN:
Category :
Languages : en
Pages : 76
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Book Description
This dissertation is primarily focused in to the housing prices of UK housing market and the lending situation during the financial turmoil. Giving more emphasize in the housing prices, this dissertation thoroughly examines the housing boom and bust of the UK housing market keeping into mind that the how much credit crisis affected in to it. It also attempts to understand the volatility of UK housing market along with the credit availability in the market. Due to the volatile market, there is always fluctuations occur in UK housing market.In contrary, this research tried to analysis the housing prices trend along with the type of mortgages which are available in the market. The research has been gone through to understand whether house prices overvalued or not. There are several factors that affects the house prices from demand and supply sides, research tried to outline those factors and their impact on house prices. Due to inadequate supply of houses in order to satisfy the housing demand, there was housing boom. Eventually, lending excessively mortgages loan invited massive financial turmoil. Despite of downturn in housing market, in recent years the market is moving slowly to upward.
Author: Kenneth Gibb
Publisher: Taylor & Francis
ISBN: 131733602X
Category : Business & Economics
Languages : en
Pages : 373
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Book Description
The Scottish economy is at the heart of contemporary constitutional and public policy debates. This substantial new edited collection, the first comprehensive and authoritative analysis for more than 60 years, is a timely update on the classic volume of the same name edited by Sir Alec Cairncross in 1954. It is data rich, and offers links to updatable data and leading indicators of the Scottish economy including measures of public finances, distributional evidence and growth. Readers will find a series of easy to follow chapters covering the Scottish economy from every angle – oil and gas, health, education, finance, rural Scotland, inequality, climate change, gender and work, housing, infrastructure and cities. Each sector-based chapter explores the main issues, draws out key empirical facts and considers policy challenges that lie ahead. This book includes: an historical account of the development of the Scottish economy; the trajectory of economic policy in Scotland; reviews of the current fiscal position and the wider economic landscape; and also an intriguing insight into the emerging distinctive approach to Scottish public policy. This book brings together evidence and high quality research by experts on the Scottish economy in a politically neutral, accessible and non-technical way. The volume will assist readers in navigating their way through the many political debates about constitutional and economic futures that are underway in modern Scotland and the UK. A website also exists to accompany The Scottish Economy - www.scottisheconomy.scot. In today's inter-connected world, it makes sense to have a book on the Scottish economy supplemented by online access to important data, information and evidence as a means of keeping material current.
Author: Great Britain: Parliament: House of Commons: Scottish Affairs Committee
Publisher: The Stationery Office
ISBN: 9780215544889
Category : Political Science
Languages : en
Pages : 182
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Book Description
Incorporating HC 38 & HC 319, session 2008-09
Author: Ernestina Udemba
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Author: Great Britain: H.M. Treasury
Publisher: Stationery Office
ISBN: 9780101863025
Category : Political Science
Languages : en
Pages : 116
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Book Description
The second Scotland analysis paper, Currency and monetary policy, explained that the currency and macroeconomic framework that operates across the UK would not be able to continue between two separate states. In the event of a vote for independence, there would be further consequences for the financial sector and for its customers which are analysed in the current paper. The most profound implication is that independence would create two separate financial jurisdictions: the continuing UK and a new, independent Scotland, which would require its own legal and regulatory framework. The competitiveness of Scotland's financial sector is aided by its location within the UK. Industry and international bodies view the UK as a strong tax and regulatory regime, building customers' and partner organisations' trust in UK financial firms. Being part of the UK helps support the Scottish financial services sector, which generates employment not just in financial services firms, but in the professional and other services that support the sector. Location in a larger economy also helps to reduce firms' cost of borrowing because markets perceive these firms as less of a risk. If Scotland became independent, this position would be called into question: The Scottish banking sector would be exceptionally large compared to the size of an independent Scotland's economy, making it more vulnerable to financial shocks than it is as part of the larger UK. There could be questions about an independent Scotland's ability to stabilise its banking system in the event of a future financial crisis
Author:
Publisher: Elsevier
ISBN: 0080471714
Category : Social Science
Languages : en
Pages : 3870
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Book Description
Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts
