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Housing Discrimination
Housing discrimination refers to patterns of discrimination that affect a person's ability to rent or buy housing. This disparate treatment of a person on the housing market can be based on group characteristics or on the place where a person lives. The most straightforward form of housing discrimination involves a landlord who rejects offers from potential tenants based on factors such as race, age, gender, marital status, source of funding, and others. The landlord may perform the discrimination explicitly or implicitly. Housing discrimination can also occur among existing tenants, who may face detrimental treatment in comparison to others for the same reasons. Housing discrimination can lead to spatial inequality and racial segregation, which, in turn, can exacerbate wealth disparities between certain groups. Types Sociologists Vincent J. Roscigno, Diana L. Karafin, and Griff Tester have determined that the variety of actions that constitute housing discrimination can be ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Discrimination
Discrimination is the process of making unfair or prejudicial distinctions between people based on the groups, classes, or other categories to which they belong or are perceived to belong, such as race, gender, age, class, religion, or sexual orientation. Discrimination typically leads to groups being unfairly treated on the basis of perceived statuses based on ethnic, racial, gender or religious categories. It involves depriving members of one group of opportunities or privileges that are available to members of another group. Discriminatory traditions, policies, ideas, practices and laws exist in many countries and institutions in all parts of the world, including some, where such discrimination is generally decried. In some places, countervailing measures such as quotas have been used to redress the balance in favor of those who are believed to be current or past victims of discrimination. These attempts have often been met with controversy, and sometimes been called re ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Office Of Fair Housing And Equal Opportunity
An office is a space where the employees of an organization perform administrative work in order to support and realize the various goals of the organization. The word "office" may also denote a position within an organization with specific duties attached to it (see officer or official); the latter is an earlier usage, as "office" originally referred to the location of one's duty. In its adjective form, the term "office" may refer to business-related tasks. In law, a company or organization has offices in any place where it has an official presence, even if that presence consists of a storage silo. For example, instead of a more traditional establishment with a desk and chair, an office is also an architectural and design phenomenon, including small offices, such as a bench in the corner of a small business or a room in someone's home (see small office/home office), entire floors of buildings, and massive buildings dedicated entirely to one company. In modern terms, an of ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Racial Steering
Racial steering refers to the practice in which real estate brokers guide prospective home buyers towards or away from certain neighborhoods based on their race. The term is used in the context of ''de facto'' residential segregation in the United States, and is often divided into two broad classes of conduct: # Advising customers to purchase homes in particular neighborhoods on the basis of race. # Failing, on the basis of race, to show, or to inform buyers of homes that meet their specifications. Overview Historically the United States has been defined by racially segregated neighborhoods.Thomas, June Manning "Planning History and the Black Urban Experience: Linkages and Contemporary Implications" ''Journal of Planning Education and Research'' Vol. 14 No. 1 (1994) 1 – 11. Urban planning up to the 1960s has been documented as one of the causes of this phenomenon. Urban planners have been seen to have practiced early forms of racial steering. Through the use of the restrict ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Subsidized Housing
Subsidized housing is a subsidy aimed towards alleviating housing costs and expenses for impoverished people with low to moderate incomes. In the United States, subsidized housing is often called "affordable housing". Forms of subsidies include direct housing subsidies, non-profit housing, public housing, rent supplements/vouchers, and some forms of co-operative and private sector housing. Increasing access to housing usually contributes to lower poverty rates. Types Housing subsidies are government funded financial assistance programs designed to mitigate the costs of housing for low-income tenants. Subsidies can be provided in the form of housing vouchers given to tenants, e.g. Section 8 (Housing), or via direct deposits to landlords with government contracts to provide affordable housing. Home mortgage interest deduction The largest housing subsidy in the US is the home mortgage interest deduction, which allows homeowners with mortgages on first homes, second homes, and ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Subprime
In finance, subprime lending (also referred to as near-prime, subpar, non-prime, and second-chance lending) is the provision of loans to people in the United States who may have difficulty maintaining the repayment schedule. Historically, subprime borrowers were defined as having FICO scores below 600, although this threshold has varied over time. These loans are characterized by higher interest rates, poor quality collateral, and less favorable terms in order to compensate for higher credit risk. During the early to mid-2000s, many subprime loans were packaged into mortgage-backed securities (MBS) and ultimately defaulted, contributing to the 2008 financial crisis.Lemke, Lins and Picard, ''Mortgage-Backed Securities'', Chapter 3 (Thomson West, 2013 ed.). Defining subprime risk The term ''subprime'' refers to the credit quality of particular borrowers, who have weakened credit histories and a greater risk of loan default than prime borrowers. As people become economically ac ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Redlining
Redlining is a Discrimination, discriminatory practice in which financial services are withheld from neighborhoods that have significant numbers of Race (human categorization), racial and Ethnic group, ethnic minorities. Redlining has been most prominent in the United States, and has mostly been directed against African Americans, as well as Mexican Americans in the Southwestern United States. The most common examples involve denial of credit and insurance, denial of Race and health, healthcare, and the development of food deserts in Minority group, minority neighborhoods. Reverse redlining occurs when a Creditor, lender or insurer targets Majority minority, majority-minority neighborhood residents with inflated interest rates by taking advantage of the lack of lending competition relative to non-redlined neighborhoods. The effect also emerges when service providers Artificial scarcity, artificially restrict the Real estate economics#Supply of housing, supply of real estate ava ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Real Estate Economics
Real estate economics is the application of economic techniques to real estate markets. It aims to describe and predict economic patterns of supply and demand. The closely related field of housing economics is narrower in scope, concentrating on residential real estate markets, while the research on real estate trends focuses on the business and structural changes affecting the industry. Both draw on partial equilibrium analysis (supply and demand), urban economics, spatial economics, basic and extensive research, surveys, and finance. Overview of real estate markets The main participants in real estate markets are: * Users: These people are both owners and tenants. They purchase houses or commercial property as an investment and also to live in or utilize as a business. Businesses may or may not require buildings to use land. The land can be used in other ways, such as for agriculture, forestry or mining. * Owners: These people are pure investors. They do not occupy the real ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Ownership Equity
In finance, equity is an ownership interest in property that may be subject to debts or other liabilities. Equity is measured for accounting purposes by subtracting liabilities from the value of the assets owned. For example, if someone owns a car worth $24,000 and owes $10,000 on the loan used to buy the car, the difference of $14,000 is equity. Equity can apply to a single asset, such as a car or house, or to an entire business. A business that needs to start up or expand its operations can sell its equity in order to raise cash that does not have to be repaid on a set schedule. When liabilities attached to an asset exceed its value, the difference is called a deficit and the asset is informally said to be "underwater" or "upside-down". In government finance or other non-profit settings, equity is known as "net position" or "net assets". Origins The term "equity" describes this type of ownership in English because it was regulated through the system of equity law that develo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Right To Housing
The right to housing (occasionally right to shelter) is the economic, social and cultural right to adequate house, housing and shelter (building), shelter. It is recognized in some Economic, social and cultural rights#National constitutions, national constitutions and in the Universal Declaration of Human Rights and International Covenant on Economic, Social and Cultural Rights. The right to housing is regarded as a freestanding right in the International human rights law which was clearly in the 1991 General Comment on Adequate Housing by the UN Committee on Economic, Social and Cultural Rights. The aspect of the right to housing under ICESCR include: availability of services, infrastructure, material and facilities; legal security of tenure; habitability; accessibility; Affordable housing, affordability; location and cultural adequacy. The United Nations, UN Human Settlement Programme is known as UN-HABITAT. At least 84 states make an explicit reference to housing rights in th ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Istanbul Bilgi University
Istanbul Bilgi University () is a private university founded in 1996, located in Eyüpsultan, Istanbul, Turkey. The university has four campuses in Istanbul: SantralIstanbul, Kuştepe, Dolapdere, and Kozyatağı. History The university was established with the principle " ''Non scholae, sed vitae discimus''", and is regarded as Turkey's fourth private university. Its precursor institution was the Istanbul School of International Studies. In 2007, the university expanded with the opening of its SantralIstanbul Campus, located on the site of the Silahtarağa Power Plant, the first urban-scale power plant of the Ottoman Empire. The Kozyatağı Campus was later established on the Asian side of Istanbul in 2015. In 2019, Can Holding became a supporter of the Bilgi Education and Culture Foundation, which oversees the university. The university furthered its internationalization efforts in 2020 through a collaboration with Arizona State University aimed at improving the quality o ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Human Rights And Equality Institution Of Turkey
The Human Rights and Equality Institution of Türkiye () is the equality body and the national human rights institution of Turkey. It is a public legal entity vested with administrative and financial autonomy by the relevant legislation regulating it. History The institution was first established under the name ''Human Rights Institution of Turkey''. It was established by the "Turkish Human Rights Institution Law" dating 21 June 2012 and became a national prevention mechanism with the decision of the Council of Ministers in 9 December 2013. The institution was abolished in 2016 and reestablished with the name of Human Rights and Equality Institution of Turkey in 2016. Purpose and duties The Human Rights and Equality Institution of Turkey is established in order to: * protect and develop human rights based on human dignity; * to ensure the right of people to be treated equally; * to prevent discrimination in the enjoyment of legally recognized rights and freedoms; * to ef ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
African Americans
African Americans, also known as Black Americans and formerly also called Afro-Americans, are an American racial and ethnic group that consists of Americans who have total or partial ancestry from any of the Black racial groups of Africa. African Americans constitute the second largest ethno-racial group in the U.S. after White Americans. The term "African American" generally denotes descendants of Africans enslaved in the United States. In 2023, an estimated 48.3 million people self-identified as Black, making up 14.4% of the country’s population. This marks a 33% increase since 2000, when there were 36.2 million Black people living in the U.S. African-American history began in the 16th century, with Africans being sold to European slave traders and transported across the Atlantic to the Western Hemisphere. They were sold as slaves to European colonists and put to work on plantations, particularly in the southern colonies. A few were able to achieve freedom th ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
