Housing Market Techniques and Regulations

Housing Market Techniques
Techniques for Real Estate That Only the Experts Know About
A good approach to locate foreclosures is to check with different lenders. An additional way to locate foreclosures is to check on the lender's website.
For instance, some folks would buy properties because of sentimental value even in the event the deals aren't useful for them. It involves more than
simply purchasing the property. It is likewise essential to inspect the property from safety viewpoint.
A crucial tip stated is to pick the house because of its deal instead of just how you're feeling about them. The following ideas will allow you to sell
your home fast even in a depressed housing market. Sometimes there's nothing wrong with your house in any way. Also, there can be many... Show
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This is just because such buyers may not have the ability to afford closing costs in addition to home repairs. Prospective buyers will see the simple
fact that your house is not maintained. Your buyer may prefer the plan of your premises and if he's interested, he can stop by the property to see it
personally. The residence buyer, generally, could gain from the debut of GST in the event the prices are moderate,'' he
... Get more on HelpWriting.net ...

Housing Market Regulation
Housing market developments are mainly regulated by the market and sometimes are influenced by the government's policies. The regulation could
balance the market if the housing market goes the wrong direction and help the market run healthily. From the article's analysis for the housing market,
we could know that what government could do is little for the market.
Firstly, the article refer to that loose Monetary policy was a primary cause of the bubble in house prices and activity. Investor appetite for securities
backed by novel mortgages was apparently quite high, which, in turn, drove down the cost of funds to marginal borrowers and borrowers using such
loans. The rise of cheap and readily available credit no doubt stimulated housing demand. ... Show more content on Helpwriting.net ...
"FOMC began to raise the target federal funds rate in June 2004. This guidance was designed to influence asset prices, economic activity, andinflation
in a manner consistent with the goals of price stability and full employment. "(2)
Those actions could influence the housing market from different angle like investors' expectation, confidence on housing investment, or the goods
price, etc.. However, the effect may take a long time to be seen and felt by the market.
Thirdly, the article finally conclude that monetary policy did little to the housing market bubble, although it did try to regulate. And it brought up
private securitization may have more

Housing Market Failure
I know this problem have been repeating too many times, but I really like this case after watching "too big to fail" and learning financial risk lessons.
What will happen with US economics after housing bubble?
US economics was considered as "too big to fail" market. No one imagined that US crisis could happen, because the US market was too powerful, it
had been through a lot of change to prove it's strength. In 2003, 2004 when "Housing boom" could be heard anywhere in US, house was recognized
as "American dream". Anyone invested in housing market can make a lot of money, Lehman Brothers as well as other invest banks earned a lot. A lot
of people lend money to buy houses then sell them, the price kept increasing, however like the other bubbles, housing market collapsed when the
supplies overs demands: by 2004, U.S. homeownership had peaked at 70%, and the fourth biggest bank in US faced bankruptcy.
As the credit crisis erupted in August 2007 with the failure of two Bear Stearns hedge funds, Lehman's stock fell sharply.During that month, the
company eliminated 2,500 mortgage–related jobs and shut down its BNC unit. In addition, it also closed offices of Alt–A lender Aurora in three states.
Even as the correction in the U.S. housing market gained momentum, Lehman ... Show more content on Helpwriting.net ...
Everyone was waiting to see how the US market can bounce back. Even the child can understand, Bank system likes Domino effect, once one Domino
was pushed, the whole system will fail. Henry tried to save Lehman Brothers, to prevent US economics from crisis. He contacted other banks to estimate
and buy Lehman Brothers, he called other investments to save Lehman. However, these measures were perceived as being too little, too late. Over the
summer, Lehman's management made unsuccessful overtures to a number of potential partners. The stock plunged 77% in the first week of September

Rise and Fall Housing Market
The Rise and Fall of the Housing Market
Edward Maher
University of Maryland University College
ECON201
August 18, 2011
Introduction
The collapse of the housing market had far and wide ranging effects in the economy of the United States. While the effects were felt throughout the
country, California, Florida, New York, Michigan, Illinois were dealt devastating blows to their respective economy. Throughout the country,
foreclosures rose to staggering numbers and jobs lost were in the millions. This research paper will concentrate on the causes and consequences of the
housing crisis and will attempt to determine if there is any fault for not controlling the crisis.
Causes of the Housing Crisis The term bubble has been used ... Show more content on Helpwriting.net ...
Between 2004 and 2006, the Federal Reserve Board raised interest rates from 1% and capping out at to 5.25%. Even with interest rates on the rise,
the housing bubble continued to grow. Why did the bubble continue to grow when typically interest rates increase homeownerships typically declines
as well? Economists look at the lending practices before and after the bubble. Prior to the bubble standard typically included, "documentation of
credit histories of prospective borrowers, their current income and assets, evidence of job stability and pay, and related factors that in theory help a
lender assess a potential borrower's ability to pay for a mortgage." During the 2000's lending practices eased with the government continuing to push
their policy on continuing to grow homeownership numbers. To continue homeownership lenders developed new innovative loans such as, "piggy back
loans (80/20), adjustable rate mortgages, stated income loans, negative amortization mortgages, and multi–layered risked." These loans gave
homeowners many options as with piggy back loans, allowed consumers to purchase a home without having to put down a down payment, however
they would have a first and second mortgage. Many consumers also opted for adjustable rate mortgages such as interest only loans. These loans
allowed the consumer to purchase a home that would most likely be out of their monetary range, with

Housing Market In Australia
The Reserve Bank of Australia (RBA) has left the cash rate unchanged at 1.5% and this has not been changed since august 2016 (Lowe, 2018). The
RBA has left it unchanged as the low level of interest rates is continuing to support the Australian economy. The housing markets in Sydney and
Melbourne have slowed. Nationwide measures of housing prices have changed little over the past six months, with prices having recorded falls in
some areas. As seen in graph 1 in 2018 the forecast for Melbourne, Sydney and Brisbane are that housing prices will drop but in 2019 they will rise
again. If the RBA were to raise interest rates home owners with mortgages would be in great financial trouble and the housing market may crash. This
is why the RBA is not... Show more content on Helpwriting.net ...
Tighter banking policies will make sure that the amount of loans banks make are appropriate to the consumers potential earning and debt repayment.
The effect of this change will mean more consumers will be rejected for home loans and this therefore will lead to less people going into the housing
market to buy or invest. This will eventually lower housing prices. Brendan Coates from Grattan Institute that tighter lending policies will reduce the
amount of money future buyers could borrow therefore in the short term pushing down property prices as demand will be

The Uk Housing Market
INTRODUCTION In this essay, I will examine the factors that determine the price of houses in UK housing market. Firstly we will have a look the
past and the recent history of UK housing market. The UK housing market has been booming in the past few years, with prices rising much faster
than household incomes. After its dramatic crash in the early 1990s, the UK housing market has staged a remarkable recovery.1 In the early 1980s
widespread financial deregulation raised the availability of mortgage finance and stimulated the demand for housing. Real house prices rose by over
4ВЅ percent per annum on average during the decade, with nominal house price inflation peaking at 28 per cent in 1988. Monetary policy was
subsequently tightened... Show more content on Helpwriting.net ...
Buyers place offers for a property that the seller can either accept or reject.4 When the market demand for properties in a particular area is high
and when there is a shortage of good quality properties then the balance of power in the market shifts towards the seller. This is because there is
likely to be excess demand in the market for good properties. Sellers can wait for offers on their property to reach their minimum selling price.
Conversely when demand both for new and older housing is weak and when there is a glut of properties available on the market, then the power
switches to potential buyers. They have a much wider choice of housing available and they should be able to negotiate a price that is lower than the
published price4. When the demand for houses in a particular area increases, perhaps because of an inflow of population into the area, or a rise in
incomes following a fall in unemployment, there is upward pressure on market prices.4 Often the supply of available housing in the market is
relatively inelastic. This is because there are time lags between a change in price and an increase in the supply of new properties becoming available,
or other homeowners deciding to put their properties onto the market. When demand shifts outwards and supply is inelastic the result is a large rise in

The City 's Housing Market
'Location efficient ' neighborhoods, and employment and recreational opportunities in walking and biking distances are attracting more and more
people to reside in the downtown core. Studies show that, since 1976, the residential population has doubled, with more than 240000 people living in
the Area and the ownership share has increased by almost two times since 1996 (City of Toronto. 2014b). Accordingly, the City 's housing market is
dealing with more and more housing needs (CHBA, 2012; Landau, 2013). Also, Toronto Official Plan identifies the Area, as a place to accommodate
significant population growth by 2041 (Ontario. Ministry of Finance, 2014). As a consequence, the value of land in the Area is extensively increasing
and... Show more content on Helpwriting.net ...
To overcome the limitations in land supply, a number of municipal and provincial policies and programs have been initialized to redirect growth,
intensification to the existing built–up sites in the Area. These policies promote transforming or conversion of brown–field sites (formerly–deteriorating
industrial and commercial sites) as well as improvement of the un–/under–utilized lands and buildings, and at–grade parking lots, for high/dense
condominium developments (Pantalone, 2014). The City permits the conversion through re–zoning or re–designating of land from one use to the
other, which also overcomes the density controls imposed on those lands. For example, employment or brownfield lands to mixed–use or residential
developments (Lehrer & Wieditz, 2009). The conversion of land from one use to another requires an amendment to zoning bylaws and, sometimes, an
amendment to the municipal Official Plan. This conversion is possible when the developers make a S37 agreement, Density Bonusing agreement with
the City of Toronto. 5.1.4Housing Affordability Issues The City of Toronto is recognized for its highest market
–based economy and housing costs in
the country (Wellesley Institute, 2014). In a market–based economy, the market decides the major share of housing. Today, the market of housing is
burgeoning on most expensive

A Report On The Housing Market
This report reviews a number of factors with the housing market, starting with the rent/price ratio, and covering relevant economic events and factors
specific to renting and home ownership.
Rent/Price Ratio Data
The rent/price ratio data over a fourteen–year span from first quarter 2000 through first quarter 2014 tracks the trends of the housing market leading
into the housing crisis that started in 2007 and its rocky path to correction. The start of this period shows a ratio of 4.7 percent, followed by a
downward trend to its lowest point of 3.13 percent in the second quarter of 2006. The high point occurred in the first quarter of 2012, followed by
another albeit smaller downward trend. These downward trends are clearly evident ... Show more content on Helpwriting.net ...
(Nasdaq, n.d.) Based on the data he was seeing with this bubble and the performance of the housing market, Shiller predicted a looming housing market
collapse. (Brand, 2005)
Housing Bubble Collapse
True to Shiller's prediction, the housing bubble soon collapsed, causing the worst housing crash in American history (DeGrace, 2011) that reverberated
around the world. Let us look at what brought us to this point.
Stock market crash of 2000. Following the stock market crash in 2000, caused by the burst of the dot com bubble (DeGrace, The Dot Com Bubble
Burst that Caused the 2000 Stock Market Crash, 2011), shaky investors turned to the housing market. Interest rates were relatively low. (Whitney, 2007)
New loan options such as adjustable rate mortgages (ARMs), interest–only loans with the principal payment due at a later date ("balloon payments"),
and zero–down loans gained prominence. Banks lowered their borrowing standards and offered subprime loans, and then sold these loans with
undeserved AAA bond ratings to unsuspecting foreign and other investors. Adding to this momentum was the encouragement of the Federal Reserve and
mortgage lenders. This all served to drive up home prices, sometimes at astronomical levels. (DeGrace, 2011)
Housing market collapse. The housing crash came in 2007. Borrowers started going into default on subprime loans they

The Boom And Bust Of The Housing Market Bubble
As a member of the Millennial's and as a student of economics, The Great Recession, the greatest economic downturn we've seen in 70 years is truly
an intriguing topic. It is the first economic crisis that many of my generation can truly say we lived through. With the burst of the housing bubble and
the failure of various financial institutions, the United States was dragged kicking and screaming from the prosperous age of nearly uninterrupted
economic growth since the early eighties, into an unemployment rate of over 9% and a decline in Real GDP in the first time in decades. Years after
the end of the recession we still reel from its effects. How did the fiscal crisis begin in the first place? What institutions helped exasperate the... Show
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This led to the recession of 81–82 but managed to get inflation under 5% from the high double digits it was under Nixon at the cost of a rather high
unemployment rate of 10%. Many argue that this and other policies under the Reagan administration known as Reagonomics, were what led to the
economic prosperity that we enjoyed in the 90's and 2000's. Rather than discuss what caused the economic growth of the era, we examine a few of the
effects it had on markets, especially housing.
The family home has always been a major part of the American dream, but it had an even bigger role in the Great Recession. Under legislative
pressure banks eased up on a lot of the loans that they gave out. According to Peicuti (2014), "In the 2000s, the deregulation of the financial system and
development of the originate–to–distribute banking model led commercial banks to finance subprime mortgages" (p.7). It then goes on to lists several
characteristics that these borrowers may have including, "relatively high default probability as evidenced by, for example, a credit bureau risk...
bankruptcy in the last five years... debt–service–to–income ratio of 50 percent or greater" (p.7). All of this tells us the same story, these were risky
loans to make. We've learned from class that the interest rate is an indicator of the amount of risk on an asset. These loans however were not properly
assessed for the amount of risk on them. In short, the banks had taken on more risk than they

The Housing Market Crash
Literature Review:
2007, that was the year that everyone knew the world was about to change. Many analysts studying the markets knew that this day would come to
surface. Among the citizens, few actually knew the problems the housing market was having while many of them just noticed that they were now able
to purchase their dream home. Many Americans that knew that background however, were not aware of what exactly sparked this issue, nor what
was in store for them (Natl. GPO .2) At the time, many citizens were not aware of what was going on in the housing market. The financial crisis
would impact several people for many years to come (Yanis.6). While many researchers may argue that large financial issues in theUnited States have
already ... Show more content on Helpwriting.net ...
While this action may be a short term cost to a long term solution, the generation paying the price will be Generation Y and the Millennial. One major
factor that comes with job market regulation is the hike of minimum wage in order to meet the rising costs of every day goods. "One of the only things
that economists agree on is that minimum wage kills jobs" (Herlot, 783). This is a current issue that is playing out in the United States economy today.
"The Bush and the Obama Administration factors on the job market" (Sanchez, Kopp, Sanzari, 243) has already had a major role in job losses
throughout the United States. There is an increasing gap in the job market between citizens with minimal education needing minimum wage increases
in order to obtain basic needs and educated individuals who can't seem to find a job. With the current financial situation in mind, the amount post–grad
individuals with significant amount of dept. is a problem. "With the growth rate of the country's debt., unemployment may see a significant increase in
the next ten years" (Reich, 174). Debt is currently increasing not only due to the regulations of the job market, but also with the policies that currently
exist. Recent policies such as "Medicare for all, and School Vouchers according to family income" (Reich, 06), are costing the government millions with

The On The Housing Market Essay
Reforming the Housing Market
Today, because of the way congress has structured GSEs Fannie Mae and Freddie Mac undermine market discipline and actualize reverse incentives,
leading to immoral behavior by market participants. The promise of market discipline is its ability to identify risk and deters immoral behavior. The
2008 financial crisis was induced by the dissolution of market discipline and rampant immoral behavior. Thus, to safeguard against another financial
crisis congress should address moral hazard and restore market discipline. The first recommendation is to reduce and limit the size of Fannie Mae and
Freddie Mac. Which would allow open competition in the mortgage industry and enable the market to decide the best investments. The second
recommendation is to impose stricter reporting and accounting regulations to improve transparency and disclosure of GSEs' activities and financial
position. Transparency of information will allow investors to have more relevant information and giving them the ability to identify risk in a timely
manner.
Addressing Transparency and Disclosure of GSEs
Government's backing of Fannie Mae and Freddie Mac has enabled these corporations to engage in more risk than necessary. During 2003, Fannie
Mae and Freddie Mac had a combined outstanding debt that was equaled 39 percent of the total outstanding U.S. public debt (Thomas, 2008, p. 1).
GSEs misuse resources by implementing risky investment strategies and taking on excessive risk that

Housing Market Crisis
Economic Thought
Alex TodorokiHOUSING MARKET EPIC FAIL 2008
Credit crises – Global cluster F&^# involving: Sub prime mortgages, collateralized debt obligations, frozen credit markets, credit default swaps.
Focus point – Housing Market
Who is affected – Everyone
Housing credit crises two parties – homeowners and investors. Homeowners are of course tied to mortgages (getting screwed), and investors are tied
to... Well, ruining everything!
Capital gain includes: Pension funds, Insurance companies, Mutual funds and Sovereign funds, ect.
These two parties are brought together by the financial system – aka Wall Street
Lets have a little background –
The history is fairly prevalent to understand because it kind of sets the ... Show more content on Helpwriting.net ...
If the loan is made, the borrower sends the required scheduled payments to the servicer, which then remits the payments to the mortgage holder. The
characteristics of the borrower and of the mortgage determine the classification of the loan." (An Overview of the Housing Finance System in the
United States Congressional Research Service)
Moving on to the next process the secondary market. The secondary market is the market for buying and selling mortgages.
"Lenders might choose to keep the mortgages that they originate in their own portfolios, or they might sell them to the secondary market. If a
mortgage originator sells the mortgage in the secondary mortgage, the purchaser of the mortgage could choose to hold the mortgage itself or to
securitize it in a pool of mortgages. Fannie Mae and Freddie Mac securitize mortgages that conform to their criteria. Ginnie Mae guarantees MBS
made up exclusively of mortgages insured or guaranteed by the federal government. Other financial institutions issue PLS that do not have an implicit
or explicit government guarantee. Depending on the type of MBS or mortgage purchased, investors will face different types of risks, including credit
risk and prepayment risk." (An Overview of the Housing Finance System in the United States Congressional Research Service)
A bunch of mumbo jumbo financial gibberish! So what does this even mean??
How it works–
Okay so lets say a family wants a house

The United States Housing Market
The United States will always recall autumn of 2008 as a time of financial terror, and rightly so. After the stock market crash, millions of Americans,
previously unaware of the brewing crisis, lost their businesses, their jobs, and their homes. Even now, we still are in a period of recovery from the
economic turmoil of that year. How did this happen? Simply put, it all commenced within the United States housing market. In the years leading up to
2008, buying and selling mortgages became a very popular way for lenders to make money. While housing prices continued to increase, lenders found
themselves in a win–win situation. If homeowners paid their mortgages, the lenders made money. If homeowners could not pay their mortgages, they
would... Show more content on Helpwriting.net ...
Today, although we have recovered well, we are still impacted economically by this moment in American history. Fortunately, we have put in the work
to not only bounce back from this crisis, but to study the situation and learn from what went wrong. As many have said, the fault was in all of the men
and women involved in the build–up to the collapse. It was not a matter of machines or models, but our oversight. We have learned plenty from these
mistakes. We now know that we have the power to prevent another financial crisis in the future. The oversights of many different groups all led to
the chaos of 2008. Looking back, if one or two of these institutions had changed their practices in response to red flags, the growth of the housing
bubble could have been dramatically slowed, or even fully prevented. We now know to pay attention to the red flags. We collectively shrugged off
signs and signals in the years leading to 2008. The disaster was foreseeable. The extreme increase in subprime lending, the seemingly infinite increase in
housing prices, and the increase in national household mortgage debt should have been alarm enough. These passed by either unnoticed, or ignored.
Because of our ignorance, we were not prepared to handle the inevitable crisis. We now know to keep financial regulations in place to prevent another
economic catastrophe. After fall of 2008, the

Houston's Unsinkable Housing Market
The article from New York time, " Houston's Unsinkable Housing Market Undaunted by Storm" by George Etheredge, talk about Houston's
housing market growth. George said " the Houston metropolitan area grows by about 400 people a day and builds 40,000 housing units a year,
making it nation's largest new housing market, with 7 percent of residential construction". According to article people are tent to move into Houston
because it has kept the housing prices low by building a property everywhere and anywhere in short period of time. If we look at the national
housing market, our country is divide between high cost places like Bay Area and New York and higher Unemployment area like Detroit, so place
like Houston is the best place for middle class

Housing Market And The Housing Crisis
It has been 7 years since the housing bubble burst and the financial systems collapsed back in 2008. Since then, some will say that the housing
market, as a majority, has healed and regained footing but is that entirely accurate? It has been an up and down rollercoaster since the collapse of
2008, however the housing market has only started to recover within the past 2 years. "Right now, I would say we are 64% back to normal and a
lot of what is driving the housing market's strength is existing home sales, but prices have also helped push the recovery" (Jed Kolko, Trulia). As
stated in the first paper, the housing bubble burst because of the increase in interest rates that put homeownership out of reach for some buyers. This
ultimately caused homes to become unaffordable, leading to defaults, foreclosures, and short sales. More so, on December 30, 2008, the home price
index reported the largest dip in home prices ever recorded, losing 33% from its 2006 peak to 2012. This financial crisis, unanticipated by most,
caused the United States to go into a recession and has been known to be most significant risk to our economy. It was the beginning of last decade,
2000, when real estate prices rose at an unprecedented rate, subsequently leading to the bursting of the housing bubble starting in 2006.
Once real estate took a staggering dip, the crash proceeded after. Prime, subprime, collateralized debt obligation (CDO), mortgage, credit, hedge fund,
and foreign bank markets were all

The Current Housing Market
The current housing market is experiencing another large, daunting bubble that I fear is leading to another burst and market crash. The "Baby Boomer"
Generation and the "Millennial" Generation are currently experiencing a great disparity gap between the two of them, both in pay and in purchasing
power which directly affects the housing market. As the Baby Boomer Generation begins to retire and move on from where they currently live, the
housing market will suddenly experience a boom in available housing. The issue then becomes that the Millennial Generation does not currently
have the economic buying power to purchase these houses. This issue is currently visible in the Bay Area where housing is at an all time high.
Houses are currently being listed as Baby Boomers want to move out of the higher cost of living areas into lower cost of living areas when they
retire, but their current listing prices are prohibitively expensive at the current wages the new buying generation makes. These houses are being listed
for longer periods of time, many homes listed over a year, with no successful bids.
To secure my vote as an "Inbetweener" Generation voter, I would like to see a current candidate outline a plan to curb the sudden spike in housing
prices, provide ceiling limits on housing cost in major cities where these costs are spiraling out of control. I would love to see a candidate that
outlines a new tax break program for corporations that relies on CEO salary versus employee

Housing Market Of The Uk Housing Markets
HOUSING MARKET IN THE UK
As far as the current United Kingdom Government is concerned, housing is on the top of their agenda, Nevertheless, still to come are many issues
that needs to be addressed in order to resolve what is, in so many ways, unable to deal precisely with normal social relations in the UK housing markets.
In 2013, EC HARRIS BUILT ASSET CONSULTANCY hosted a conference which was supposedly attended by nearly one hundred people. It was
quite fascinating to gauge the mood amongst the guest who represented a complete cross–section of the residential industry to pick up a key discussion
themes surrounding the UK housing market.
The demographic change, macro–economic back drop and the government planning and housing policy ... Show more content on Helpwriting.net ...
Although it is possible that leaseholders can decide to purchase an extension for lease when it is remotely below 60 years.
Speaking of mortgages, majority of the freehold and leasehold properties can be bought with the benefit of a long–term loan. This is called the
mortgaging process. It can be any period of time, however twenty five years is the most usual loan. The repayments of the mortgage loan normally
involves two types of repayment which is called the capital and repayment of the loan interest.
The security of mortgages since the late 1980's meant that the mortgage debt has been recreated to provide the third parties, a flow of income which
includes the investment banks.
Though with privately rented properties, the landlord puts out a property for rent through a short tenancy agreement, which often is about 6 or 12
months which although can be renewed. Tenants typically pay the rent in monthly basis or instalments where you'll be required to be paying the rent
on a certain given period. This could be quarterly or every 2 months although other payment periods may exist.
Cases like Local Government Authority rented apartments, the tenants must agree to pay the rent in a weekly or monthly basis, which is commonly
more subsided and below commercial market rates. These properties are solely based to individuals on need and not supposedly their income. Some
local authorities don't not have enough properties to meet

Housing Market
The goal of the video, Markets, is "to show how a well–functioning free–market pricing system determines how producers manufacture goods, what
goods will be manufactured, and for whom the goods will be produced". This essay will examine the housing market after WWI, how technology
changed the steel industry and how "free agent" created a new economic system in baseball. After World War II was over in 1945, the returning GI's
from oversees created a massive demand for cheap affordable housing. William Levitt recognized the housing problem and decided to build homes in
Levittown, Pennsylvania. He assembled specialized construction teams to build cookie cutter style homes which served the purpose for the ex GI's of
acquiring the American dream of owning a home. Even though the homes were not unique it provided a sense of community and a roof over their
heads. In the 1960's and 1970's, oversees steel companies underbid American steel companies which brought down the manufacturing of steel in
America. Kenneth Iverson of NUCOR decided to figure out Europeans methods for manufacture steel in... Show more content on Helpwriting.net ...
This topic is relevant to the school system and the 1.1 million students. The office of school food and nutrition would be affected if the price for
flour, sugar, etc increased. The city would have to buy the food items at higher prices as well as increase the amount students would pay to purchase
breakfast and lunch. Transporting students to and from school would also be affected if the price for fuel increased. Increase in oil and gas would
affect the heating of school buildings during the winter months. Building new schools would be affected if the price for construction material
increased. The increase in the cost of cleaning products would also be affected on how well the classrooms and bathrooms are cleaned. Any increase in
pricing of goods affects the consumers, manufacturers, and

The Rise Of The Housing Market
"What are we going to do now?" This is a question that echoed throughout America during the decline of the housing market that started around
2007 and continued to reach historic lows well into 2012. Property ownership, also known as the American Dream, was now in jeopardy. Millions
of foreclosures were filed as homeowners became unable to pay for 'underwater' assets. Wall Street was rocked to its very core. Mortgage lenders across
the nation closed their doors, never to be opened again. Lawmakers gave in to the knee–jerk reaction to both bail out a few drowning financial
institutions and pass laws to regulate the capitalist real estate market. Mistakes were made. Lessons were learned.
Simple supply and demand of real estate ... Show more content on Helpwriting.net ...
Driven by the American spirit to succeed, these buyers are back...
One of the biggest lessons that could be learned through the mortgage meltdown recovery involves the ease at which a homebuyer could borrow
money. Mortgage programs were available for almost anyone who was interested in purchasing a house – even if they legitimately were unable to
afford it. Creative marketers continued to bend mortgage underwriting guidelines to increase volume and profit. Investors on Wall Street have
voracious appetites for steady returns on investments and the mortgage securitization market was no exception. Business executives continued to make
it easier to borrow money, thus increasing their returns as these income streams were bundled and sold again and again on the secondary market. No
one noticed the volatility that was created by continuing down the path of easy money. As the market collapsed, there was no small correction to the
rules and regulations that would save the inevitable implosion. Any and all remaining mortgage lenders made it virtually impossible to borrow money
for several years. Without access to mortgage money, houses would cease to sell. The lesson that was learned in this situation was that the rules,
regulations, and underwriting guidelines used to lend money had to

The Housing Market: The Miami Real Estate Market
For the past years, the economic highlight was placed on the real estate market. Due to ominous conditions of the housing market, it is only natural for
people to shun from purchasing real property – the same goes for sellers. Fortunately, the real estate arena has been silently picking up in most states
especially Florida. The Miami real estate market conditions are beginning to turn for the better.
Market Conditions
Without looking deeper into the real estate market conditions of Florida, most people would conclude that property sales are taking a nosedive for the
worst. That apparent illustration is very far from the truth. In fact, experts reveal that home sales of the Miami real estate market are beginning to soar
and projected to

Housing Market Crash Research Paper
The fall of the housing market should not have come as a surprise at all, when you place more weight on any object than it is designed to hold you
would expect it to break. Right! The housing market crash has hurt and continues to hurt a lot of people. The crash appears to have come out of
nowhere, like a sudden category 5 hurricane. The truth is the market crash was not all that sudden, it started much like a chip in a car windshield and
grew to the shattered windshield investors, homeowners and lenders are try to see through. The initial chip was the unprecedented risen in home
values. Though the sudden rise was most unusual, there was no real investigation into what cause it. The failure of the government, bankers, and
investors to validate... Show more content on Helpwriting.net ...
These three agencies were designed to help encourage bank leaning to home buyers. The Federal Housing Administration issued loans that were
granted this meant that financial institutes would get their money. Fannie Mae was different from FHA in which they bought loans, this helped
lender by freeing up capitol and allowed them to lend more. As Fannie Mae begin to prosper Fannie Mac was establish to create completion
between the government lending agencies. When there is completion involved the stress of being out preformed place a burden on people that are
working for these lenders. With this type of mentality there was only a matter of time before the lending market would crash. But their can and
might be other reason why the housing market crashed. You could look at supply and demand. When there is less inventory prices will rise. If this is
true, as home prices rise less buyers will be able to qualify for a mortgage. With less buyers being able to qualify for loans, companies like Fannie
Mae and Mac begin to take on toxic loans. Some of these loans included interest only loans and adjustable rate loans with a large principals due at the
end of the agree terms. A lot of home buyers could not afford these payment causing homes to go into foreclosure. As the housing market was flooded
with foreclosures and rising house prices. The market begin to become unstable, alone with America being at war in two different countries the housing
market crashed. The crash sent financial institutes into turmoil, they begin to only lean money well qualified buyers. Some financial institutes merge
with others and some even closed, this was due to bad lending practices and regulation. The institutes that survived asked for financial help form the

Housing Market : The Property Market
A)The Property Market 1)Current Condition Property market is one of the key challenges in the economy of Australia that need to be overcome for
economic stability and economic growth. Housing is one of the important sectors of property market because housing provides shelter to us. But the
current condition of housing is challenge for us because Rise in house prices: The price of houses are rising continuously in Australia from last few
years and mainly two major cities Sydney and Melbourne faced more rise in price and its about 4–5 times the overall average earnings. This graph
shows that housing price in Sydney and Melbourne is continuously increases in these cities 2010 to 2015 but in case of apartment prices, the rise is
not as much as housing price. The rise in price is approximately 20% in Sydney and 16% in Melbourne in last 5 years. Reasons for the rise in house
prices: a)Increase in immigrants: The main reason for the rise in prices of houses is the increase in population of the nation due to the emergence of
immigrants and restrictive planning regulation that have limited the release of new land for development (Street A, 2012). As with the increase in
demand, the supply of houses goes down. b)Foreign Investment Boom: Demand for the property by foreign investors have also been increased from
last few years. This is responsible for rise in price. They generally invest in the commercial and non–commercial property and convert them into the

The US Housing Market Bubble
When researching past economic recoveries, the housing market is the one to drive the economy out of recession. That being said, this economic
recession hasn't had much of an impact until recently. America's housing boom had a tremendous influence on the economy for its low prices and flow
of new home construction.
The new construction market in the mid 2000's was flourishing. People saw building a home as an opportunity for a solid investment because prices
and rates were so low that certain homes could depreciate extremely slowly. However, there would be a negative effect from all this low–cost new
construction and few were aware of just how devastating it would be to the new construction market.
In 2005, the market was flooded with a vast array of homes that were all selling at a low price, and this allowed people to buy and sell homes with
minimal effort. Banks were being reckless with their lending, not giving enough attention to who they were giving mortgages to, as virtually anybody
with a decent credit score could go to a bank and get a mortgage, sometimes without even going to see if the land and ability for development was
there. This created a housing bubble in 2006, and would inevitably come back to hurt a wide range of industries, but few were as damaged as the new
construction industry.
Once things started to get bad, they got really bad for a lot of families who were given mortgages, who were not properly qualified. There was a major
spike in defaults, with

Housing Market Drives out of Economic Recession
When researching past economic recoveries, the housing market is the one to drive the economy out of recession. That being said, this economic
recession hasn't had much of an impact until recently. America's housing boom had a tremendous influence on the economy for its low prices and flow
of new home construction.
The new construction market in the mid 2000's was flourishing. People saw building a home as an opportunity for a solid investment because prices
and rates were so low that certain homes could depreciate extremely slowly. However, there would be a negative effect from all this low–cost new
construction and few were aware of just how devastating it would be to the new construction market.
In 2005, the market was flooded with a vast array of homes that were all selling at a low price, and this allowed people to buy and sell homes with
minimal effort. Banks were being reckless with their lending, not giving enough attention to who they were giving mortgages to, as virtually anybody
with a decent credit score could go to a bank and get a mortgage, sometimes without even going to see if the land and ability for development was
there. This created a housing bubble in 2006, and would inevitably come back to hurt a wide range of industries, but few were as damaged as the new
construction industry.
Once things started to get bad, they got really bad for a lot of families who were given mortgages, who were not properly qualified. There was a major
spike in defaults, with

Housing Market Failure
The housing market crash of 2007 to 2009 is said to be one of the main reasons for the housing market crash. The crisis occurred when homeowners
were not able to make payments on their mortgage. Homeowners were unable to keep up with payments when low introductory rates converted to
regular rates. Real estate property began to lose its value, leaving many homeowners with a negative equity. Soon after the housing bubble the
government took over (two GSEs) Fannie Mae and Freddie Mac, in order to prevent the financial crisis from getting any worse In the most recent
FSOC annual report, the council reported that significant efforts have been made to improve the housing market and reduce taxpayer risks. However,
market growth has been slow,... Show more content on Helpwriting.net ...
Department of Housing and Urban Development (HUD) alongside congress to implement a robust reform plan. In its most recent annual report the
council stated that risk sharing transactions improved. The FHFA will continue to reduce the GSEs risk by engaging in risk sharing transactions.
Within this time period The Federal Reserve voted on the final terms of the Dobb Frank Retention Rule. The rule will require security backed assets
sponsors to maintain a financial interest in their securities. The implementation of the rule was to mitigate risks that caused the financial crisis. The
Common Securitization Platform launched a partnership with Common Securitization Solutions LLC, with a goal of achieving a more sustainable
market. As recommended by the council congress should continue to promote best practices and standards in the housing market, mainly addressing
the financial

Housing Markets And The Housing Crisis
Seven years removed from recession, American homeowners are beginning to rebound from the hold created by the housing crisis. Throughout history,
the housing market has been a key indicator of financial stability and the real economy. Housing booms and bust are often reflections on the mortgage
market, labor mobility and consumer spending. With interest rates near zero, at the moment, the real estate market has experienced a steady rise in new
and existing home sales, prices and mortgages. Likewise, developments in the U.S. housing market have been instrumental to gains in home
improvement spending. In 2015, home improvement retailers, Lowe's and Home Depot have delivered better than expected results thanks to the
housing market recovery. Despite what may seem like a modest recovery, there remains significant concerns that the recovery will be short lived. Some
evidence would suggest that interest rates, a flood of foreign investments, income inequality and the same culprits from 2008 are re–inflating a housing
bubble.
Mortgage Rates By the end of 2015, The Federal Reserve will raise interests and continue to do so throughout the following years. Simply put, interest
rates have a direct impact on borrowing costs and by increasing interest rates; mortgage rates can jump as well. Long term mortgage rates are guided by
numerous factors including the Fed's short term rates, household savings rate, the budget deficit, and other indicators of the real economy. At the
moment,

Inequality In The Housing Market
Having inequality in the housing market not only affects where you live, but how you live while there. In most cases, African Americans are constantly
stereotyped to have more health issues and less education. However, with the trend of concentrating certain racial groups into low income
neighborhoods, they have also become directly proportional to having health issues, most of which can be traced back to their environment. Things that
effect these neighborhoods include a lack of healthy food options and pharmacies, increased advertising for tobacco and alcohol, and subtle existence
of food deserts. Overall, the health of community members in low income neighborhoods depletes. The absence of healthy, fresh, affordable options
force residents to consume and purchase foods that are highly processed and calorie dense or pay more at the local store for what would be offered at a
large chain ... Show more content on Helpwriting.net ...
Along with health issues, housing segregation can influence the quality of education. Some of the best public schools in New Orleans (such as
Lusher and Ben Franklin of Orleans Parish School District) are in areas where there are higher housing prices and property taxes. While one of the
worse schools in New Orleans

The Housing Market And Its Effects On The Economy
Throughout the 90 's and the turn of the century, the housing market has stood as an economic pillar, supporting growth and prosperity and assisting
generations in upward momentum from the lower to middle class. This is why the 2008 housing market crash had such a debilitating effect on the
economy. The crash left millions facing foreclosure and millions more underwater. The burst of the housing bubble even effected international markets,
causing havoc in other countries. These misguided policies were the main source of the financial turbulence that flattened the U.S. economy.
Predatory lending and meticulously intricate loan pooling helped cause the destruction of this market. Essentially, financial institutions were handing
out mortgages to people that were often struggling to repay them, and these Mortgage Backed Securities (MBS 's) were often resold to investors that
were unaware of the systemic risk they had purchased. These high–risk loans were gathered together and sold as low–risk securities due to a lack of
diversity in the overall portfolio. As these toxic MBS 's were resold into the marketplace, they were separated and reorganized, making it extremely
difficult to track the actual value of the derivatives of the bonds.
In order to understand this better, consider 10 containers full of jellybeans, with each container a different color. The beans are all combined, shaken
up, and poured back into the jars. Then they are all combined again, cut in half, shaken up,

The Housing Market Of 2007
The Housing Market of 2007 has been described as one of the worst financial crisis since the great depression. Not because the actual hit of the
crisis, but because of the lingering effects that still plagues the United States and other countries today even in 2015. The United States economy
was not economically prepared for the crisis that presented itself in 2007. This financial crisis hit a variety of areas such as the housing market
which seemingly was one of the major causes of the financial. Causes of the Housing Market One of the major causes of the financial crisis was
the housing market. The housing market prior to the 2007 financial crisis was pretty good and stable. It was the American Dream to own your own
land which would be inclusive with a house. So prior to 2007 most Americans were buying into the American dream by buying housing even if they
could not afford to pay for these houses according to MoneyTalks.Com you are only supposed to 30% of what you earn towards a rent/mortgage.
This allows for breathing room for other areas of your income which includes savings, rainy day funds, and inflation. However as we know most
people do not abide by this rule according to statistics one in three Americans actually spend 66% of their earnings before taxes on housing according
to money.cnn.com . This as you can see is what

Effects Of Rights On The Housing Market Of Uk
Effects of Right to Buy in Housing Market of UK This proposed study examines the development of housing policy and right to buy from the view of
government mentality of UK. This study focused on the difficulties not only to the purchaser of council house but also to those tenants who have not
purchase tenancies in UK. This proposed study also discusses the role of social housing in 21st century housing policy. Aim of this study is to provide
a framework to the researcher and to identify different impacts of Right to buy scheme on housing market. Among other issues, this study also
discusses that council housing gives better opportunities and provide security to the tenants with 33% to 55% discount as compared to market price. To
analyse the housing policy and its contribution towards the housing services in UK To evaluate the effect that right to buy scheme would have on the
housing market To assess the influence of right to buy on the qualities and quantities of housing properties available for tenants in UK According to
Jones (2008), protected tenants within the regional authority increased reduction in right to buy their homes by means of the Housing Act 1980.
Previous to this act, regional authorities sell their homes along with governmental permission in 1936. Chaney (2000) mentioned that about 7,000
houses were sold in UK in 1970, which were exceeded to approximately 46,000 within 2 years. Stephens (2012) demonstrated that right to buy housing
policy offers

America's Financial System For The Housing Market
I. Introduction In 2008 America's financial system was brought to a stand still as decades of negligence and financial decisions caused our economy to
sink into the worst recession since the great depression. Cultivating a problem worse than America has seen in roughly a century points one finger not
at a particular cause, but a string of events that finally gave way. Now, eight years later our economy is still recovering, and time has allowed us to look
back at decades of mistakes to try and connect the dots of the perfect storm that collapsed our financial market in 2008. In 2009 Brookings Institution,
one of Washington's oldest think tanks, concluded there were three causes that resulted in the crisis. Economists Martin Baily and Douglas Elliot stated
that the results of government intervention in the housing market, the influences Wall Street had on Washington, and global economic forces were the
three main causes of the economic collapse. They believed that a housing bubble inflated when Fannie Mae and Freddie Mac, two
government–sponsored enterprises, intervened in the housing market. The banking industry was called out to be blamed for years of manipulation of
our political and financial systems. Lastly, Baily and Elliot cite the global economy and the existence of a credit boom throughout European and Asian
nations. Low inflation and consistent growth throughout the world economy spiked investors' interest in acquiring riskier investments, which
encouraged

Housing Markets : Housing Market
Housing market data reflects more pronounced improvement lately – and that's good news for the economy, for credit union members and for credit
union operations.
Housing's importance to the economy is undeniable, with a healthy housing market essential to robust economic growth historically.
Overall, housing accounts for nearly 20% of U.S. economic activity: private residential investment which includes construction of new single–family
and multifamily structures, residential remodeling, production of manufactured homes and brokers' fees averages roughly 5% of GDP historically.
While housing services (including gross rents paid by renters, owners ' imputed rent and utility payments) averages roughly 13% of GDP.
Economists estimate that in 2014, building an average single–family home kept 2.97 FTE workers employed for a full year, while building an average
rental apartment generated 1.13 FTE full–year jobs and each $100,000 spent on remodeling activity generated 0.89 jobs on average.
Builders – men and women with skin in the game – now clearly believe the housing market is in great shape. The National Association of Home
Builders (NAHB) Housing Market Index is based on a monthly survey of builders who rate market conditions for the sale of new homes at the present
time and in the next six months as well as the traffic of prospective buyers of new homes. The index – which stood at 53 in July of 2014, rose to 58 at
the start of 2015 and came in at 60 both in June and

Why The Housing Market Is Not The Best Investment?
Belter, Grant
Mr. Novak
English CP Pir 3
10/24/2016
Why The Housing Market Is In Shambles What have you always been told whenever you get into some money or a new job? "Housing is always the
best investment." If you have been told this, you have been told a lie. (TruTV) Housing was thought to have been a rock solid industry for decades, but
that all changed in 2007. As showed by Paramount Pictures movie "The Big Short" shows very entertainingly how banks and regulation have made
America 's housing market into a system of fraud and theft by big banks. "But that 's in the past" some may say, but as former housing market crash
investor and former owner of Multimillion dollar investing firm Michael J. Burry stated, "Today 's economy is showing telltale signs of repeating the
mistakes made in the 2007 crash." (Michael Burry Blog) An analysis of the housing market of today will reveal many signs of an inevitable crash such
as: the minimum wage fallacy, The prices of housing rising, the government supporting bad loans, and why the government cannot stop it. To begin
with, before I can explain anything you have to understand that your mortgage is a lot more complicated than even you realize. Your mortgage, like
everyone else 's, is from a bank, and this bank groups your mortgage with thousands of of other mortgages and this is called a mortgage bond. This
was a very amazing idea and made tons of money because, who doesn 't pay their mortgage right? Well in very simple

Gentrification and White Preference in the Rhode Island...
The loss of public housing and the expanse of the wealth gap throughout the state of Rhode Island has been a rising issue between the critics and
supporters of gentrification, in both urban areas such as Providence and wealthy areas such as the island of Newport, among other examples. With the
cities under a monopoly headed by the wealth of each neighborhood, one is left to wonder how such a system is fair to all groups. Relatively
speaking, it isn't, and the only ones who benefit from such a system are white–skinned. With the deterioration of the economic status of Rhode Island,
and especially in the city of Providence, more and more educated Caucasians are leaving to seek a more fertile economic environment.
"Gentrification is a general ... Show more content on Helpwriting.net ...
For example, many cities that are rich in culture, diversity, and vitality are beacons for white people interested in the "upcoming scene." This brings
more and more whites who displace and marginalize the original residents through increasing prices. Cities such as New York, Boston, and San
Francisco all have neighborhoods that originally had mostly poor, uneducated African Americans, and now are swelling with young, educated whites
that have greatly increased the price of living. In Boston, Charlestown, Jamaica Plains, and Beacon Hill have all experienced intense characteristics
of gentrification from the 1970s up until the present, showcasing an increase in the population with at least a bachelor's degree, as well as a large
increase in new and renovated buildings. In New York, the most famous example of gentrification is in Harlem, has undergone a process of
gentrification after becoming known as the national, and even international symbol for black culture with a vibrancy that is not seen in the suburbs.
Finally, in San Francisco, in the bay area, there has been a massive influx of affluent companies that have completely devastated the middle class due
to a high rise in wealthy, educated, employees. These employees have taken residence up in the bay area, causing the entirety of the already previously
gentrified neighborhood to skyrocket to unobtainable prices, even for the

The Market Demand For Housing
1. Introduction: Consumer choice plays an important role in determining the market demand for housing in a particular locality. There are numerous
factors that contribute to the choice pattern of the potential buyers. This study focuses on the role of Home Characters and Neighborhood Characters in
determining the price of the house. Home characters are the characters that are associated with the physical building infrastructure and it includes
aspects like land area of the house, location of the house within the building, shape of the house, orientation of different kitchen, drawing room, bed
room, Hall etc. within house structure, total number of rooms, number of bathrooms within house, water supply, presence/absence of balcony, size of
balcony, whether kitchen is remodeled or not etc. Neighborhood characters include location of the house with respect to center of the city, extent to
which crime related incidents happen in the area surrounding to house, presence of heavy traffic nearby, noisiness of the area etc. Considering all these
variables after a sufficient review of literature among the home characters variables like total number of rooms, number of full bathrooms, number of
half bathrooms, presence or absence of Cellar, Garages facility, Poarch, Remodeled kitchen, Septic system, availability of Centralized air conditioning
system,. Adequacy of housing, Kind of road etc. was considered. Along with these, neighborhood related characters like Crime intensity,

How The Housing Market Increase In Canada's Housing Market?
Within the past decade, Canada – specifically ontario, has seen and experienced a rapid increase in its housing market. Although some speculate a
crash nearing, its strong growth in Ontario has become one of this decade's largest issues. During the year of 2016 the average price of a home in the
metropolitan area was $688,011, however, prices have increased by 33% in 2017 making the average home worth $916,000 dollars. This issue
presents many difficulties as it affects Canada's economy, it's residents, immigrants, and more. Although some have tried to pass bills in order to
reverse the increase, the presented plans are much worse. Take for example, Kathleen Wynne's proposed "foreign buyers tax". With a plan as such
being passed, all of ... Show more content on Helpwriting.net ...
The increase of the property market ultimately denies new business with low financial support.
Responsible for the increase in the housing market are foreign buyer's – purchasing in cash, as well as the provincial government. Thus, the government
may implicate laws and regulation in order to stop this increase. Although there are multiple efforts being made by the government, their negative
repercussions may be more severe. The implementation of "price caps" by the government will aid in lowering the house market. These price caps
will asses the property on the basis of its size and features and will have a "max price" it can be listed for. Likewise, the government may further
their efforts by Imposing a speculation tax on people who flip houses within a short period, perhaps within two or four years of purchase. The tax
could apply to all homes or be limited to non–principal residences. These possible efforts will lead to the demise of the GTA housing market
In order to achieve these goals The following laws must be implemented by the government of Canada in all three levels of government. With the
increase of development in the GTA, the housing market will decrease. Therefore, the municipal government will need to reduce development costs
while Fast–tracking zoning approvals for residential development. It is also important that they streamline other approval times for all stages of
projects to aid in the

Housing Market Controversy
Vancouver's Housing market is on par to some of the most expensive in the world. The high price of homes has caused many local people to move
out of the city and has caused a lot of controversy. Locals are questioning to what the municipalities and provincial government are doing to help. So
why are these market prices so high. It mostly comes down to supply in demand. The pressure on the housing market has arisen due to foreign buyers
and shadow flipping, as supply for affordable housing diminishing. The locals blame shadow flipping, international buyers, and a tax regime that favors
ownership over renting (King, 2016). Recently the Local Government and the Province have implemented many new controversial policies and taxes to
control rent ... Show more content on Helpwriting.net ...
This Tax is enforced if the house is deemed to be empty, and is subject to the tax of 1 percent of theproperty's assessed value (Vancouver, 2017). The
revenues from this Empty Homes Tax will then be reinvested into affordable housing. A House is deemed to be empty if it does not meet the
criteria of at least one of the features. The features entail that it is used as the primary residence of a family member, or is rented for at least six
months of the current year, in which the periods must be at least 30 days or more in total (Vancouver, 2017). The penalties for this tax Include a
late payment penalty of five percent, daily interest, tax sale process and failure to declare status would result in taxation anyways. The false
declaration will be fined heavily as for each day for the continuation of the offense will be 10,000 dollars (Vancouver, 2017). To manage this tax, they
will have an audit process, and the owners will have to have evidence for

Australian Housing Market
Financial Markets Research Report
Analyse the effects on the Australian economy of a sustained reduction in the cash rate with particular emphasis on the housing market.
Overview of RECENT Reductions in the cash rate and the Effects on the Australian economy.
In the last year alone, the RBA have lowered the cash rate by 50 basis points, from 2.50 to 2.0 percent. This was implemented, as the global economy
grew at a moderate pace, however the Australian dollar declined against the American Dollar. The Reserve Bank of Australia decided that a lower
exchange rate was needed to achieve balanced growth in the economy. Once the RBA changed the cash rate, the other major banks followed suit.
When the recent reduction of the cash ... Show more content on Helpwriting.net ...
The ASIC chairman Greg Medcraft compared the situation in Melbourne and Sydney to the 2008 US housing slump. "Everyone thought prices would
keep going up and obviously they didn't. We're a different economy with different mortgage structures, but you look around the world and history
shows that the average ration from prices to incomes is something very important in residential housing." Further interest rates cuts risks making
property even less affordable for the younger generations and widening the wealth gap between property owners and those who don't own a property,
since the prices are rising at a greater pace than the average income. The RBAs decision to lower interest rates allowed house price inflation to continue
significantly in the capital cities. If the current housing market keeps its direction, a bust could occur taking the Australian economy drop if interest
rates were to suddenly rises.
The low interest rate in Australia effects the housing market. Low interest rates allow property prices to push higher creating an unbalanced ratio
between prices of property and income of owners of property and those who don't. A housing bubble in the capital cities of Australia has potential to
create significant danger to the Australia housing market and economy if interest rates are cut any

Helping The Nations Economy From Experiencing A Housing...
Keeping the nations economy from experiencing a housing market disaster is in applicable. Our nation has been through some ups and downs the
past decade that make many people wonder whether we could experience that of the Great Depression yet again. Though I do not believe there is a
way to completely stop any sort of crash whether it be with oil, housing, stocks, and automobiles. At times we will always experience an economic
slowdown. "Those who do not learn history are doomed to repeat it." This quote is widely known and should be taken with more consideration by
many. I believe this to be a strongly meaningful quote because the recent Great Recession we experienced and the long recovery we have been
experiencing is a great example. Many people found themselves having to foreclose their homes, file bankrupt, without a job and many other
devastating crisis. Not learning from something of this matter many will find themselves back repeating this time and time again. Many people think
about money and become greedy in these situations not thinking about the outcomes and effects it could have. Not just in the area of the housing
market, but with jobs, credit, and more. Learning from something this devastating the first time is crucial. The housing market high in the 2000s and
then the quick decline is a great example why everyone needs to be smart with every decision they make. We may not be able to completely prevent a
housing market crash like in 2007 or the 1980s, but we

Housing Market Techniques and Regulations

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