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Borrowing to Live: Consumer Mortgage Credit Revisited

by

Borrowing to Live: Consumer Mortgage Credit Revisited Cover

 

Synopses & Reviews

Publisher Comments:

Americans are awash in debt, and the U.S. economy is in trouble. Credit undergirds daily life more than ever --it has become one of the defining aspects of American life, and the ramifications are becoming clearer by the day. The already considerable damage from a depressed housing market has been exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and government at all levels. Most low- or moderate-income people borrow, but that should not be construed as uniformly poor judgment or lack of disciplines --Americans are not borrowing merely to keep up with the Joneses, but too often simply to stay afloat.

In Borrowing to Live, the Joint Center for Housing Studies of Harvard University brings together a group of experts drawn from the best of academia, research, and public services. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the worrisome current state of consumer and mortgage credit in the United States and help point the way out of the current struggles.

Contributors: Michael S. Barr, Eric S. Belsky, Raphael W. Bostic, Shawn Cole, Amy Crews Cutts, Kathleen C. Engel, Ren S. Essene, Elaine Kempson, Patricia A. McCoy, William A. Merrill, Sendhil Mullainathan, Anthony Pennington-Cross, Elizabeth Renuart, Eldar Shafir, Edna R. Sawady, Jennifer Tescher, John Thompson, Peter Tufano, Susan M. Wachter

Synopsis:

Americans are awash in debt. Credit undergirds daily life more than ever before--it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and the presidential campaign. Most low- or moderate-income people borrow, but they are doing it to stay afloat rather than to keep up with the Joneses. How did things go so wrong? How can we maintain and expand access to credit while protecting the consumer and avoiding a reoccurrence of the current crisis? In Borrowing to Live, the Joint Center for Housing Studies of Harvard University bring together an elite group of experts, an eclectic group drawn from the best of academia, research, and public service. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the current state of consumer and mortgage credit in the United States and help point the way out of the current impasse.

Product Details

ISBN:
9780815774136
Author:
Retsinas, Nicolas P.
Publisher:
Brookings Institution Press
Editor:
Belsky, Eric S.
Subject:
Mortgage loans
Subject:
Consumer credit
Subject:
Finance
Subject:
Mortgage loans -- United States.
Subject:
Consumer credit -- United States.
Subject:
Business-Accounting and Finance
Series:
James A. Johnson Metro
Publication Date:
20081231
Binding:
TRADE PAPER
Language:
English
Illustrations:
Y
Pages:
289
Dimensions:
9.20x6.25x.79 in. .96 lbs.

Related Subjects

Business » Accounting and Finance
History and Social Science » Politics » General
History and Social Science » Politics » United States » Politics

Borrowing to Live: Consumer Mortgage Credit Revisited New Trade Paper
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Product details 289 pages Brookings Institution Press - English 9780815774136 Reviews:
"Synopsis" by , Americans are awash in debt. Credit undergirds daily life more than ever before--it is one of the defining aspects of life in the United States today. The damage from a depressed housing market is exacerbated by the subprime lender implosion, sending shock waves through the financial sector, international economies, and the presidential campaign. Most low- or moderate-income people borrow, but they are doing it to stay afloat rather than to keep up with the Joneses. How did things go so wrong? How can we maintain and expand access to credit while protecting the consumer and avoiding a reoccurrence of the current crisis? In Borrowing to Live, the Joint Center for Housing Studies of Harvard University bring together an elite group of experts, an eclectic group drawn from the best of academia, research, and public service. Together with editors Nicolas Retsinas and Eric Belsky, they dissect the current state of consumer and mortgage credit in the United States and help point the way out of the current impasse.
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