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来源类型Brief
规范类型简报
Challenges to Obtaining Manufactured Home Financing
Laurie Goodman; Bhargavi Ganesh
发表日期2018-06-27
出版年2018
语种英语
概述Manufactured housing is one of the most affordable types of housing in the US, but the high cost of manufactured home financing may be contributing to its surprisingly low production. Our close look at Home Mortgage Disclosure Act (HMDA) data reveals that the loan most manufactured homebuyers obtain – the chattel loan – costs 4.4 percentage points more per year than a standard mortgage loan. Despite this greater
摘要
Manufactured housing is one of the most affordable types of housing in the US, but the high cost of manufactured home financing may be contributing to its surprisingly low production. Our close look at Home Mortgage Disclosure Act (HMDA) data reveals that the loan most manufactured homebuyers obtain – the chattel loan – costs 4.4 percentage points more per year than a standard mortgage loan. Despite this greater expense, more than half the manufactured housing borrowers who might qualify for a mortgage opt for a chattel loan instead. We conclude that policymakers should explore measures that make accessing mortgages easier for buyers of manufactured homes.
主题Housing and Housing Finance ; Income and Wealth ; Finance
URLhttps://www.urban.org/research/publication/challenges-obtaining-manufactured-home-financing
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/480239
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Laurie Goodman,Bhargavi Ganesh. Challenges to Obtaining Manufactured Home Financing. 2018.
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