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  • Our Founder — UNC Department of City & Regional Planning
    Our founder New East Diversity DCRP Events Calendar Job Opportunities GIS Resources Text Increase font size Decrease font size Info Send this page to someone Fill in the email address of your friend and we will send an email that contains a link to this page Address info Send to Required The e mail address to send this link to From Required Your email address Comment A comment about this

    Original URL path: http://planning.unc.edu/department-resources/deptmenthistory/founder/founder/sendto_form (2015-06-03)
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  • FAQ: Planning Minor — UNC Department of City & Regional Planning
    FAQ Planning Minor Course Listing Fall 2015 Courses PDF Spring 2015 Courses PDF GIS Library Resources Text Increase font size Decrease font size Info Send this page to someone Fill in the email address of your friend and we will send an email that contains a link to this page Address info Send to Required The e mail address to send this link to From Required Your email address Comment

    Original URL path: http://planning.unc.edu/academics/undergraduate-minor/faq/minorfaq/sendto_form (2015-06-03)
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  • UNC Department of City & Regional Planning
    Decrease font size Info Did you not find what you were looking for Try the Advanced Search to refine your search Search results 1 items matching your search terms Subscribe to an always updated feed of these search terms Roberto Quercia Dr Quercia is a mortgage finance expert who has published numerous articles primarily on the topics of low income homeownership affordable lending and the The Department of City and

    Original URL path: http://planning.unc.edu/search?Subject%3Alist=low-income%20homeownership%2C%20affordable%20lending%20and%20the%20assessment%20of%20lending%20risks%2C%20and%20homeownership%20education%20and%20counseling (2015-06-03)
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  • Down Payment Rules Are at Heart of Mortgage Debate — UNC Department of City & Regional Planning
    mortgages made during the last housing boom regardless of down payment size had far higher foreclosure rates roughly 25 percent It s a critical issue for Washington Currently taxpayers through the Federal Housing Administration backstop most of the low down payment mortgages But the aim is to curb the government s involvement in mortgages As that happens policy makers are hoping a major part of the mortgage market will come back Specifically they need the return of private bond investors who once bought trillions of dollars worth of mortgage backed bonds with no government backing Other than some small bond deals that market remains dormant A major reason is that the banks that sell the mortgage backed bonds are waiting for regulators to complete rules aimed at strengthening this market This is where down payments could play a crucial role The proposed rules require banks to hold a slice of the mortgage backed bonds they sell to investors Banks do not like those types of restrictions But lenders would not have to keep a piece of the bonds if the underlying loans included features that made them less likely to default These exempt loans would be called qualified residential mortgages Regulators effectively proposed that these loans should have a 20 percent down payment The proposal prompted widespread objections from consumer advocates bankers and home builders who said the plan could shut many borrowers out of the housing market Banks they argued are likely to focus heavily on making qualified residential mortgages And if those mortgages require high down payments lenders will be hesitant to make loans with little money down Consumer advocates make a nuanced case They do not deny that down payments reduce the risk of default But they say defaults can be reduced almost as much by applying other rules that curb lending to certain types of borrowers Consider another set of mortgage rules already put in place this year These rules emphasize the affordability of the loan Under them a borrower s overall monthly debt payments cannot exceed 43 percent of personal income In his study Professor Quercia of the University of North Carolina found that loans that complied with those rules defaulted at a relatively low rate during the housing bust About 5 8 percent of them went bad irrespective of how much the borrower put down He then calculated the losses on loans to borrowers in the same group who had down payments of at least 20 percent The default rate on that smaller group was lower at 3 9 percent But that lower rate came at a cost More than half of the borrowers in his study group had to be excluded from the second calculation because they didn t have down payments of 20 percent or more This shows how restrictive a down payment rule could be said Professor Quercia Some real estate analysts are skeptical of this approach They assert that the new mortgage rules which do not insist on down payments

    Original URL path: http://planning.unc.edu/downpayment (2015-06-03)
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  • Raymond J. Burby — UNC Department of City & Regional Planning
    Navigation Faculty Emeriti Faculty Raymond J Burby Students Alumni Staff Text Increase font size Decrease font size Info Send this page to someone Fill in the email address of your friend and we will send an email that contains a link to this page Address info Send to Required The e mail address to send this link to From Required Your email address Comment A comment about this link The

    Original URL path: http://planning.unc.edu/people/faculty/emeritifaculty/raymondburby/sendto_form (2015-06-03)
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  • Whittington Research — UNC Department of City & Regional Planning
    Decrease font size Info Whittington Research links to Dale s research Vaccine Health Policy Research Dale Whittington s Vaccine Health Policy Research Nile Water Management Research Dale Whittington s Nile Water Management Research Contingent Valuation Method LDCs Dale Whittington Contingent Valuation Method LDCs Water Sanitation in LDCs Dale Whittington Water Sanitation in LDCs Water Resources Misc Dale Whittington Water Resources Misc Cost Benefit Analysis Development Dale Whittington Cost Benefit Analysis

    Original URL path: http://planning.unc.edu/people/faculty/dalewhittington/whittingtonresearch (2015-06-03)
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  • Vaccine/Health Policy Research — UNC Department of City & Regional Planning
    Teixeira PR van den Bussche I Vandermissen W Walsh JA Whittington D Widdus R Dale Whittington 9 Private demand for a HIV AIDS vaccine Evidence from Guadalajara Mexico PDF Vaccine Vol 20 2002 pp 2585 2591 with Osmar Matsui John Freiberger George Van Houtven and Subhrendu Pattanayak The Economic Benefits of Malaria Prevention A Contingent Valuation Study in Marracuene Mozambique Journal of Health and Population in Developing Countries July 15 2003 with Armando Castelar Pinheiro and Maureen Cropper The Demand for a Malaria Vaccine Evidence from Ethiopia PDF Journal of Development Economics Vol 75 pp 303 318 2004 with Maureen Cropper M Haile J Lampietti and C Poulos Costs of illness of typhoid fever in Indian urban slum community implications for vaccination policy PDF Journal of Health Population and Nutrition Vol 22 No 3 pp 304 310 2004 with Rajiv Bahl Anju Sinha Christine Poulos Sunil Sazawal Ramesh Kumar Dilip Mahalanabis Camilo J Acosta John Clemens Maharaj K Bhan A cost benefit analysis of typhoid fever immunization programs in an Indian urban slum community PDF Journal of Health Population and Nutrition Vol 22 No 3 pp 311 321 2004 with Christine Poulos Rajiv Bahl Maharaj K Bhan John Clemens and Camilo J Acosta Dale Whittington 10 Private Demand for an AIDS vaccine in Thailand PDF Health Policy Vol 71 2005 pp 271 287 with Chutima Suraratdecha Martha Ainsworth Viroj Tangcharoensathien Household Demand for Typhoid Fever Vaccines in Hue Vietnam Implications for Immunization Programs PDF Health Policy and Planning March 30 2006 pp 241 255 2006 Do Gia Canh Le Thi Kim Thoa Nugroho Utomo Nguyen Thai Hoa Christine Poulos Dang Thi Dieu Thuy Dohyeong Kim Andrew Nyamete and Camilo Acosta Reliability of Stated Preferences for Vaccines with Time to Think PDF Economic Inquiry Vol 45 No 1 pp 100 114

    Original URL path: http://planning.unc.edu/people/faculty/dalewhittington/whittingtonresearch/vaccine (2015-06-03)
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  • Nile Water Management Research — UNC Department of City & Regional Planning
    A Salt Balance Model of Lake Nasser Water Supply and Management Vol 4 1980 pp 73 80 with G Guariso M A Samie and C Kramer Nile Water for Sinai Framework for Analysis Water Resources Research Vol 17 No 6 December 1980 pp 1585 1593 with G Guariso B S Zikri and K H Mancy International Management of the Nile Stage Three Geographic Review Vol 71 No 1 January 1981 pp 17 32 with K E Haynes A Real Time Management Model for the Aswan High Dam Reservoir with Policy Implications Geographical Analysis Vol 13 No 4 1981 pp 355 372 with G Guariso K E Haynes and M Younis Implications of Ethiopian Water Development for Egypt and Sudan PDF International Journal of Water Resources Development Vol 3 No 2 1987 pp 105 114 with Giorgio Guariso Reprinted in Water Resources and Economic Development R M Saleth editor Edward Elgar Publishing Cheltenham UK 2002 pp 92 114 Opportunities for Regional and International Cooperation in the Nile Basin Water International Vol 17 No 3 September 1992 pp 144 154 with Elizabeth McClelland Playing Chicken on the Nile The Implications of Microdam Development in the Ethiopian Highlands and Egypt s New Valley

    Original URL path: http://planning.unc.edu/people/faculty/dalewhittington/whittingtonresearch/nilewatermanagement (2015-06-03)
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