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来源类型 | Research Report |
规范类型 | 报告 |
Class and Color in the Credit Crunch | |
Claudia Ayanna Sharygin | |
发表日期 | 2013-10-24 |
出版年 | 2013 |
语种 | 英语 |
概述 | Low and moderate-income mortgage borrowers, and borrowers of color, withdrew from the market disproportionately during the Great Recession and have not returned, even as total lending activity has begun to recover. While these potential borrowers are applying for loans in increasing numbers, their denial rates have increased since 2009. This shift is especially surprising since communities of color, particularly |
摘要 | Low and moderate-income mortgage borrowers, and borrowers of color, withdrew from the market disproportionately during the Great Recession and have not returned, even as total lending activity has begun to recover. While these potential borrowers are applying for loans in increasing numbers, their denial rates have increased since 2009. This shift is especially surprising since communities of color, particularly Hispanics, continue to increase their share of the population. While housing finance policy cannot target the central factors driving these disparities, it should avoid creating barriers to obtaining mortgage credit for qualified borrowers and the financial benefits of homeownership.
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主题 | Housing and Housing Finance ; Income and Wealth ; Race and Ethnicity |
URL | https://www.urban.org/research/publication/class-and-color-credit-crunch |
来源智库 | Urban Institute (United States) |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/478236 |
推荐引用方式 GB/T 7714 | Claudia Ayanna Sharygin. Class and Color in the Credit Crunch. 2013. |
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412939-Class-and-Col(875KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 |
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