Place, exclusion, and mortgage markets /

• Κύριος συγγραφέας: Aalbers, Manuel
• Μορφή: Ηλ. βιβλίο
• Γλώσσα: English
• Έκδοση: Malden : Wiley-Blackwell, 2011.
• Σειρά: Studies in urban and social change.
• Θέματα: Discrimination in mortgage loans > Case studies.; Mortgages > Case studies.; Marginality, Social > Case studies.; Business.; BUSINESS & ECONOMICS > Real Estate > Mortgages.; Discrimination in mortgage loans.; Marginality, Social.; Mortgages.; Electronic books.; Case studies.

"Just as in society, the mortgage market may exclude people on the basis of place, as well as race. Place-based exclusion in the mortgage market often takes the form of "redlining," a tacit agreement among lending institutions to delineate sections of cities into areas where no home m...

Πίνακας περιεχομένων:

• Front Matter
• Introduction
• The Exclusion, Urban, and Market Lenses. Social and Financial Exclusion
• A Socio-Spatial Approach
• Markets, Institutions, Risk, Credit Scoring
• Redlining Research in the United States, Italy, and the Netherlands. The United States: One Century of Redlining
• Italy: Capital Switching in Milan
• The Netherlands: Colored Maps
• Photo Essay: The Tarwewijk, Rotterdam
• Conclusions. The Globalization of Redlining?
• References
• Index.
• Machine generated contents note: Preface.
• Introduction.
• Part I The Exclusion, Urban and Market Lenses.
• 1 Social and Financial Exclusion.
• 1.1 Social Exclusion.
• 1.2 Financial Exclusion.
• 1.3 How Space and Housing enter the Idea of Exclusion.
• 2 A Socio-Spatial Approach.
• 2.1 David Harvey, Capital Switching and Urban Development.
• 2.2 A Socio-Spatial Approach to Urban Development.
• 2.3 Exploratory Comparative Research with Contrasting Cases.
• 3 Markets, Institutions, Risk, Credit Scoring.
• 3.1 The Market as an Institution.
• 3.2 Homeownership in the Risk Society.
• 3.3 Risk Selection and Credit Scoring.
• 3.4 Difficulties and Risk.
• Part II Redlining Research in the US, Italy and the Netherlands.
• 4 The US: One Century of Redlining.
• 4.1 On the Origins of Mortgage Markets and Redlining.
• 4.2 Redlining Research Since the 1970s.
• 4.3 Redlining Readdressed.
• 4.4 The Rise of Securitization and Subprime Lending.
• 5 Italy: Capital Switching in Milan.
• 5.1 Housing in Italy.
• 5.2 The Italian Mortgage Market.
• 5.3 Economy, Migrants and Housing in Milan.
• 5.4 The Milanese Geography of Access to Mortgage Loans.
• 5.5 Capital Switching in Milan.
• 6 The Netherlands: Colored Maps.
• 6.1 Housing in the Netherlands.
• 6.2 The Dutch Mortgage Market.
• 6.3 Ethnic Minorities and Discrimination.
• 6.4 The Socio-Spatial Structure of Rotterdam.
• 6.5 The Colored Map of Rotterdam (1980-1999).
• 6.6 Rotterdam versus Amsterdam (1999-2001).
• 6.7 Rotterdam, The Hague and Arnhem (2005-2006).
• 6.8 Redlining Redux: Rotterdam and The Hague in the Financial Crisis (2008-2010).
• Photo Essay The Tarwewijk, Rotterdam.
• Part III Conclusions.
• 7 The Globalization of Redlining?
• 7.1 Redlining in the US.
• 7.2 Credit Scoring: The Silent Globalization of the Mortgage Market.
• 7.3 City Forces.
• 7.4 Neighborhood Forces.
• 7.5 National Forces.
• 7.6 Markets and Institutions Preventing Redlining.
• 7.7 The Endemic Nature of Redlining.
• References.
• Index.