简析经济适用房制度——以泉州经济适用房为例

经济适用房推出以来受到了广大居民的关注,在其政策的实施过程中存在着一些问题,本文试分析其中购买对象界定不明、并不适用、房价失控等问题,并提出一些改革的建议,完善经济适用房制度。     

预售商品房按揭法律问题研究

本文通过研究国内按揭的内涵,对涉及按揭性质的抵押说、质押说、让与担保说提出了异议,从而将预售商品房按揭界定为一种新型的物的担保方式,并经过分析按揭中存在的风险,提出了完善我国按揭制度的法律构想。     

住房权保障如何可能研究纲要

在公法意义上,早期的住宅自由是基本人权的住房权的雏形。历史经验表明,时代的发展和人权理念的更新不断地将新的内涵注入住房权权利体系。近年来,随着国际国内社会对住房权的普遍重视,在国内层面上如何实现对住房权的法律保障问题渐进凸显。在立法层面,宪法和住宅法应该成为基础与核心,而在司法实践中也应该尝试确认住房权的可诉性,实现对住房权的司法救济。     

住宅价格如何影响城镇居民消费——基于状态空间模型的研究

基于时变参数状态空间模型,利用1999年到2016年的季度数据测算了我国住宅价格对城镇居民消费影响的时变特征。结果表明,我国住宅价格对消费的影响整体上呈现微弱的财富效应,住宅价格的MPC位于0.0543到0.1155之间。2004年之前住宅价格上升对消费的影响波动剧烈,2004年后大致呈现先上升,2013年后开始下降的“倒U”型趋势。这说明近年来房价上升对消费的挤出效应迅速增强。鉴于此,从挤出效应传导机制入手,政府应该谨慎平稳调整房价、增加保障性住房供给,并提高城镇化进行中外来人口收入。     

Comment on Dennis P. Culhane et al.’s “public shelter admission rates in Philadelphia and New York City: The implications of turnover for sheltered population counts”

The article here extended reflects on the excessively narrow debate over the government-sponsored enterprises (GSEs)' cost-benefit transfer balance which had been raging for a quarter-century before the 2007–2009 financial crisis. That crisis has cast a new light on the actual costs of GSE operations and exposed the unsustainability of some of their benefits for homeownership. After injecting afew new findings into the traditional debate, this comment adds some of what has transpired in recent years and what may be inferred from it so far. Doing so brings additional analysis to bear on the article's conclusion that “the GSEs might not be justified” and “Maybe it is time for them to exit” although most politicians in the past have been disinclined to show them the door.     

The preservation needs of public housing

Abstract

The paper examines the preservation needs of public housing from the perspective of its physical condition and its ongoing repair and replacement needs. It begins by examining the range of needs that exist today, including the level of expenditures that would be required to put the stock in working order to meet existing codes, and to ensure the long‐term viability of the development. It then explores the level of expenditures that would be required on an ongoing basis to keep the stock in good repair and to meet future capital and preventive maintenance needs. The final section addresses several important policy issues, including overall funding requirements, the cost‐effectiveness of preservation efforts compared with vouchers and new construction, the special problems of troubled public housing authorities, and the need to establish stronger incentives for capital planning.     

Comment on Dennis P. Culhane et al.’s “Public shelter admission rates in Philadelphia and New York City: The implications of turnover for sheltered population counts”

Low-Income Housing Tax Credit (LIHTC) developments serve renter households with incomes between 30% and 60% of Area Median Family Income. Ideally, the program places units into neighborhoods where there is a shortage of units serving this cohort. LIHTC units are allocated to developers by state agencies through their Qualified Allocation Plans which should direct units to areas of need. Using a national database, this research examines where LIHTC developments were placed in service to determine whether these developments enter tracts experiencing shortages.

The LIHTC program is not directing units to those census tracts where there is a latent demand for units in this rent range. Rather, it is placing units into tracts that have surpluses. Equally, the program is not placing units in tracts with little or no affordable housing. This suggests that the program is not breaking down the income separation that exists in the nation's housing markets.     

The changing geography of metropolitan opportunity: The segregation of the poor in U.S. metropolitan areas, 1970 to 1990

Abstract

This analysis uses census tract data to measure the segregation of the poor in U.S. metropolitan areas in 1970, 1980, and 1990. Two measures of segregation are used: the indices of dissimilarity and isolation.

In 1990 the mean dissimilarity of the poor in the 100 largest U.S. metropolitan areas was 36.1, which is substantial but below the 60.6 dissimilarity of blacks. The 1990 isolation of the poor was 21.0. From 1970 to 1990, the dissimilarity of the poor increased by 11 percent, and the isolation of the poor rose by 9 percent; in contrast, racial segregation declined. Exploratory regression analyses reveal that income segregation in metropolitan areas was significantly greater in 1990 and increased more from 1970 to 1990 in the Northeast than in the South and West. Midwest areas generally were not significantly different from Northeast areas in 1990 segregation levels or in changes from 1970 to 1990.     

From dependency to self‐sufficiency: An appraisal of the gateway transitional families program

Abstract

This article presents a longitudinal evaluation of the Gateway Transitional Families Program, an innovative self‐sufficiency program designed to help public housing residents leave public housing for their own homes. The evaluation followed participants and a comparison group over six years to isolate program impacts on employment and receipt of Aid to Families with Dependent Children (AFDC), food stamps, and housing assistance.

Many participants dropped out of the program. Difficulty in juggling educational and child‐rearing responsibilities, noncompliance with program or public housing regulations, low wages while in the program, impatience with the length of the program, and staff shortages and turnover contributed to the dropout rate. Those who finished the program experienced modest increases in income, decreases in receipt of AFDC and food stamps, and reduced reliance on housing assistance relative to comparison group members. Furthermore, graduates were more likely than comparison group members to have bought a home.