By Kim Hawtrey (auth.)
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Extra info for Affordable Housing Finance
We can label this the “access-to-finance” indicator of housing finance stress. The Access-to-Finance (A2F) indicator is a bivariate benchmark for housing finance stress where, either because of the deposit hurdle or the repayments burden, or both, a household is unable to afford a mortgage. Generally, A2F will closely reflect the ratio of mortgage servicing costs to income. We will refer to this A2F indicator throughout the text, and report relevant trends in the data, especially in Chapters 4 through 6.
European banks also incurred huge loan writedowns. As of October 2008, Europe, as a whole, had already incurred a total of US$220 billion in loan losses, according to the IMF. This is equal to around two-third of the US losses of US$325 billion to date. 7 Projected final writedowns by loan category in the US Source: Adapted from Global Financial Stability Report, International Monetary Fund, Washington DC, October 2008; figures are in US$billion unless otherwise stated. 2% US 11. 8 Bank credit growth and the financial crisis (annualized percentage change) Source: Adapted from Bank of England; ECB; Federal Reserve; RBA Pre-crisis figures are annual average credit growth for 2005–2007.
0 or less. 0. 0. The survey covers 265 major cities in six countries, including the US, the UK, and Australia. As the table shows, despite the global slowdown and drop in house prices in the crisis-ridden year of 2008, some 68 percent of housing markets internationally remained “unaffordable”, postcrisis. 0. The credit crisis did not make it easier to access finance. Lenders tightened eligibility criteria to access loans and, house prices slumped; many people’s mortgages became “underwater”. Further analysis is provided in Chapters 4 through 6, where we show that housing stress remains a reality, even after the credit crisis.
Affordable Housing Finance by Kim Hawtrey (auth.)