Location Efficiency and Mortgage Risks for Low-Income Households

被引：10

作者：

Kaza, Nikhil ^{[1
,2
]}

Riley, Sarah F. ^{[1
]}

Quercia, Roberto G. ^{[1
,2
]}

Tian, Chao Yue ^{[3
]}

机构：

[1] Univ N Carolina, Ctr Community Capital, Chapel Hill, NC 27599 USA

[2] Univ N Carolina, Dept City & Reg Planning, Chapel Hill, NC USA

[3] Xinan F&E Univ, Sch Econ, Chengdu, Sichuan, Peoples R China

来源：

HOUSING POLICY DEBATE | 2016年 / 26卷 / 4-5期

关键词：

Affordability; low-income housing; mortgage risks; location efficiency; TRAVEL BEHAVIOR; NEIGHBORHOOD; TRANSPORTATION; ACCESSIBILITY; TRANSIT; PREPAYMENT; PROXIMITY; DEFAULT; MODEL;

D O I：

10.1080/10511482.2016.1159972

中图分类号：

F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];

学科分类号：

0201 ; 020105 ; 03 ; 0303 ;

摘要：

Household energy expenditures, especially for transportation, are fairly inelastic. Their effects on low-income households may be significant, due to the potential for energy consumption to displace other types of consumption when energy prices rise. Using accessibility as a proxy for lower transportation costs, we test the hypothesis that low- and moderate-income residents are less likely default when they are located in more accessible places. We find that regional accessibility has almost no effect on risks of default, but local job diversity has moderate mitigating effect.

引用

页码：750 / 765

页数：16

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