03132ntm a22005537i 4500 000716130 CZ-PrVSE 20240615111821.0 m d cr n|||||||||| 240615s2024 xr fsbm 000 0 eng d NEZPRACOVANÝ IMPORT ABA006 cze ABA006 ABA006 rda Karianov, Roman ISIS:151530 dis Bydlení v USA : aktuální problémy eng Housing in the US : current issues Roman Karianov 2024 ?? stran : digital, PDF soubor Vedoucí práce: Bohumil Stádník Bakalářská práce (Bc.)—Vysoká škola ekonomická v Praze. Fakulta financí a účetnictví, 2024 Obsahuje bibliografii Textový (vysokoškolská kvalifikační práce) Rok obhajoby 2024 The United States is currently experiencing an affordable housing crisis. This paper examines the role of housing in the economy and provides a detailed view of the U.S. residential real estate market. The analysis indicates that the primary reasons for the shortage of homes include insufficient construction, a lack of public housing programs, community resistance, and legal restrictions. This paper also provides an overview of the U.S. mortgage lending system and focuses on current problems in this sector. A notable rise in house prices requires greater reliance on borrowing and rapid changes in interest rates have led to problems such as the rate lock-in effect and rising delinquency rates. The regulatory burden reduces the competitiveness of banks in the mortgage market, which eventually leads to a shift of credit risk to government-sponsored enterprises. The last part of the paper attempts to identify predictors of mortgage delinquencies. The Granger causality test indicates that the real GDP growth and the effective Fed funds rate may be useful in predicting the delinquency rate on single-family residential mortgages. Způsob přístupu: Internet finance [obor bakal. práce] bakalářské práce fd132403 czenas bachelor's theses eczenas rate lock-in effect delinquency rate NIMBY mortgages public housing GSE housing construction Stádník, Bohumil pna2012685552 ths Vasyliev, Dmytro ISIS:150819 opn Vysoká škola ekonomická v Praze. Fakulta financí a účetnictví kn20010709398 dgg https://insis.vse.cz/zp/87882/podrobnosti VŠKP v InSIS https://insis.vse.cz/zp/87882 Hlavní práce https://insis.vse.cz/zp/87882/posudek/vedouci Hodnocení vedoucího https://insis.vse.cz/zp/87882/posudek/oponent/82901 Oponentura https://insis.vse.cz/zp/87882/podrobnosti dc:identifier NEPOSILAT VSKP vse87882 240612 87882