Redlining in Residential Mortgages in Johannesburg, South Africa

The aim of the research in the paper was to study redlining practice within the greater Johannesburg area. The aim can be summarised by the following objectives： firstly, to investigate the evidence of redlining in the Greater Johannesburg area and to test its existence; secondly, to investigate the reasons why the areas were redlined; thirdly, to understand what the South Africa government and society did to combat the redlining practice. The research methodology was based on a questionnaire and interviews. A pool of respondents from the Greater Johannesburg suburbs that had interest or were affected by the practice of redlining was sought and interviewed. Analysis of the responses was made and conclusions were drawn from the responses. Secondary data was also sought from publications on the redlining practice to support the primary interviews data. From the interview responses and the secondary data, it was established that redlining existed in Greater Johannesburg and that the areas where redlining was practised could be marked on a map.

高房价下个人住房抵押贷款保险发展策略研究

目前的房价日益高涨,我国个人住房抵押贷款规模不断膨胀,贷款人和借款人面临的风险也在不断增加。个人住房抵押贷款保险作为一种转移和降低个人住房抵押贷款风险、保障抵押权益的机制,对转移、降低个人住房抵押贷款风险具有积极作用。分析其在我国从强制推进到自愿购买的发展历程,可见其当前发展状况不甚乐观。结合比较分析法和规范研究法,研究目前推进个人住房抵押贷款保险的必要性后,从政府、保险公司、银行和借款人四个层面提出相关发展对策,以期能改善其发展困境。

房地产抵押的风险及防范

根据抵押的概念。