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首页> 外文期刊>Journal of Urban Economics >Do the GSEs matter to low-income housing markets? An assessment of the effects of the GSE loan purchase goals on California housing outcomes
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Do the GSEs matter to low-income housing markets? An assessment of the effects of the GSE loan purchase goals on California housing outcomes

机译：GSE对低收入住房市场有影响吗？ GSE贷款购买目标对加利福尼亚住房结果的影响评估

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摘要

This study evaluates the effects of the GSE mortgage purchase goals on homeownership and housing conditions among communities that are the focus of the 1992 GSE Act and the HUD affordable housing goals. To identify GSE effects, the test framework exploits differences in the definition of lower-income and underserved neighborhoods under the 1992 GSE Act, which specifies loan purchase goals for the GSEs, and the 1977 Community Reinvestment Act, which governs loan origination activity among the federally-insured depository institutions. Research finding suggest little efficacy of the GSE home loan purchase goals in elevating the homeownership and housing conditions of targeted and underserved neighborhoods, in turn suggesting the importance of ongoing federal policy focus in achievement of affordable housing objectives.
机译：这项研究评估了GSE抵押贷款购买目标对社区中房屋所有权和住房条件的影响，而这是1992年GSE法案和HUD经济适用房目标的重点。为了确定GSE的影响，该测试框架利用了1992年GSE法和1977年社区再投资法（定义了GSE的贷款购买目标）对低收入和服务欠缺社区的定义的差异，该法管理着联邦政府之间的贷款发起活动-投保机构。研究发现表明，GSE住房贷款购买目标在提高目标人群和服务不足社区的房屋所有权和住房条件方面几乎没有效果，反过来表明，持续实施联邦政策对实现可负担住房目标的重要性。

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  • 来源
    《Journal of Urban Economics》 |2006年第3期|p.458-475|共18页
  • 作者

    Raphael W. Bostic; Stuart A. Gabriel;

  • 作者单位

    School of Policy, Planning, and Development and Marshall School of Business, Lusk Center for Real Estate, 331 Lewis Hall, University of Southern California, Los Angeles, CA 90089-0626;

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  • 正文语种 eng
  • 中图分类 f;
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