用于开发经济适用房的开发前循环贷款基金：计划特点及如何加强这些特点

IF 6 1区经济学 Q1 URBAN STUDIES

Cities Pub Date : 2024-10-20 DOI:10.1016/j.cities.2024.105494

Shishir Mathur , Hilary Nixon , Shreya Chokshi

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引用次数: 0

摘要

开发前循环贷款基金（PDRLFs）是一个资金池，贷款从这里发放，还款从这里汇入。它们是循环贷款基金（RLFs）的一部分，RLFs 在美国被广泛用于支持小型企业和住房。然而，对 PDRLFs 用于资助经济适用房的研究却很少。本文通过文献综述和案例研究开始填补这一研究空白，以更好地了解以经济适用房为重点的 PDRLF 的主要特点和加强方法。最后，本文提出了进一步加强这些基金的关键策略，其中包括由州和联邦政府提供灵活的资金，为基金提供种子资金和资本重组资金；需要积极主动地寻找目标贷款接受者并为其提供支持；平衡贷款申请人的需求与贷款效率；以及在整个住房融资过程中看待前期开发。

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Predevelopment revolving loan funds to develop affordable housing: Program features and how they can be strengthened

Predevelopment revolving loan funds (PDRLFs) are pools of money from which loans are made and to which loan repayments flow in. They are a part of revolving loan funds (RLFs) that are extensively used in the US to support small businesses and housing. However, PDRLFs' use for funding affordable housing is little-studied. This paper begins to fill this research gap through a literature review and case studies to better understand the key features and the ways to strengthen affordable housing-focused PDRLFs. Finally, it suggests key strategies to strengthen them further, which include flexible funding by the state and federal governments to seed and recapitalize the funds, the need to proactively seek target loan recipients and support them, balance loan applicants' needs with lending efficiency, and view predevelopment in the context of the entire housing finance process.

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来源期刊

Cities URBAN STUDIES-

CiteScore

11.20

自引率

9.00%

发文量

517

期刊介绍： Cities offers a comprehensive range of articles on all aspects of urban policy. It provides an international and interdisciplinary platform for the exchange of ideas and information between urban planners and policy makers from national and local government, non-government organizations, academia and consultancy. The primary aims of the journal are to analyse and assess past and present urban development and management as a reflection of effective, ineffective and non-existent planning policies; and the promotion of the implementation of appropriate urban policies in both the developed and the developing world.