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Diane Publishing Books
Impact of House Price Appreciation on Portfolio Composition and Savings
Donald R. Haurin (au); Stuart S. Rosenthal (au)
Recent Fed. policy initiatives have sought to aggressively boost homeownership in the U.S., such as the “American Dream Act” that provides down payment assistance for low-income & first time home buyers & regulations calling for a significant increase in the percentage of Fannie Mae & Freddie Mac lending that must be targeted at underserved borrowers & communities. This report answers 2 questions: (1) To what extent do households save or consume in response to house price appreciation (HPA)? (2) How does HPA affect household portfolios of assets & debts? Uses data from the Survey of Consumer Finances from 1983 to 2001. Results from the analysis provide support for both views of the impact of HPA on savings & consumption. Charts & tables.
Suggestions of Abuse: True & False Memories of Childhood Sexual Trauma
Mammoth Book of Cats: A Collection of Stories, Verse & Prose
Small Sects in America (rev. ed.)
Baby Bonding: Giving Your Child a Secure Start to Life
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