Hitting the Wall: Credit as an Impediment to Homeownership

Topics:
Commercial Lending,
Debt
Tags:
Construction,
Population,
Quality,
University Of Pennsylvania,
Wall
Source:
University of Pennsylvania

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Overview: This paper analyzes the changing trends in credit quality for the overall population and demographic subgroups in the United States. The paper discusses the role that poor credit quality plays in limiting household access to homeownership. The paper begins by tracing how the proportion of the overall, minority, and lower-income populations that face credit-quality constraints have evolved over the past decade. It is found that disadvantaged populations have worse credit quality and that credit quality has deteriorated over time, exclusively among renters. Policies to increase homeownership rates must face this fact.

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Format: PDF | Size: 180KB | Date: Nov 2003 | Pages: 43

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