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An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender. FHA mortgage insurance protects lenders against losses. They have historically allowed lower-income Americans to borrow money to purchase a home that they would not otherwise be able to afford. Because this type of loan is more geared towards new house owners than real estate investors, FHA loans are different from conventional loans in the sense that the house must be owner-occupant for at least a year. Since loans with lower down-payments usually involve more risk to the lender, the home-buyer must pay a two-part mortgage insurance that involves a one-time bulk payment and a monthly payment to compensate for the increased risk. Frequently, individuals "refinance" or replace their FHA loan to remove their monthly mortgage insurance premium. Removing mortgage insurance premium by paying down the loan has become more difficult with FHA loans as of 2013.
Town and country planning in the United Kingdom is the part of English land law which concerns land use planning. Its goal is to ensure sustainable economic development and a better environment. Each country of the United Kingdom has its own planning system that is responsible for town and country planning, which outside of England is devolved to the Northern Ireland Assembly, the Scottish Parliament and the Senedd.
Harold Wilson was appointed Prime Minister of the United Kingdom by Queen Elizabeth II on 16 October 1964 and formed the first Wilson ministry, a Labour government, which held office with a thin majority between 1964 and 1966. In an attempt to gain a workable majority in the House of Commons, Wilson called a new election for 31 March 1966, after which he formed the second Wilson ministry, a government which held office for four years until 1970.
Housing Benefit is a means-tested social security benefit in the United Kingdom that is intended to help meet housing costs for rented accommodation. It is the second biggest item in the Department for Work and Pensions' budget after the state pension, totalling £23.8 billion in 2013–14.
Regional spatial strategies (RSS) provided regional level planning frameworks for the regions of England outside London. They were introduced in 2004. Their revocation was announced by the new Conservative/Liberal Democrat government on 6 July 2010.
In the United Kingdom, an arms-length management organisation (ALMO) is a not-for-profit company that provides housing services on behalf of a local authority. Usually an ALMO is set up by the authority to manage and improve all or part of its housing stock. Ownership of the housing stock itself normally stays with the local authority. As of July 2008, seventy ALMOs were managing over half of all UK council housing, consisting of more than a million properties. This number has since reduced as local authorities have taken services back in-house or stock has been transferred, of 2016 there are 37 ALMOs who manage nearly a third of local authority housing, approximately half a million council and ALMO homes.
Business rates in England, or non-domestic rates, are a tax on the occupation of non-domestic property. Rates are a property tax with ancient roots that was formerly used to fund local services that was formalised with the Poor Law 1572 and superseded by the Poor Law of 1601. The Local Government Finance Act 1988 introduced business rates in England and Wales from 1990, repealing its immediate predecessor, the General Rate Act 1967. The act also introduced business rates in Scotland but as an amendment to the existing system, which had evolved separately to that in the rest of Great Britain. Since the establishment in 1997 of a Welsh Assembly able to pass legislation, the English and Welsh systems have been able to diverge. In 2015, business rates for Wales were devolved.
The National Federation of Builders (NFB) is a United Kingdom trade association representing the interests of regional contractors and small and medium sized house builders (up to 250 homes per annum) in England and Wales.
The Housing Grants, Construction and Regeneration Act 1996 is an Act of Parliament of the United Kingdom. Its long title shows that it is a piece of omnibus legislation:
Homelessness in the United Kingdom is measured and responded to in differing ways in England, Scotland, Wales and Northern Ireland but affects people living in every part of the UK's constituent countries.
Municipal or local governance refers to the third tier of governance in India, at the level of the municipality or urban local body.
Tsui Wan Estate is a public housing estate in Chai Wan, Hong Kong Island, Hong Kong, near Chai Wan Park, Yue Wan Estate and Tsui Lok Estate. Built on the reclaimed land in Chai Wan, the estate consists of 4 residential blocks completed in 1988. In 1999, some of the flats were sold to tenants through Tenants Purchase Scheme Phase 2.
No Secrets, also known coequally as Adult Safeguarding, was a UK Government publication from the Department of Health which provided guidance on developing and implementing multi-agency policies and procedures to protect adults deemed "at risk" from harm and/or abuse. Its full title was "No secrets: guidance on developing and implementing multi-agency policies and procedures to protect vulnerable adults from abuse". It has now been replaced by statutory guidance issued under the Care Act 2014.
The Social Fund in the UK was a form of welfare benefit provision payable for exceptional or intermittent needs, in addition to regular payments such as Jobseeker's Allowance or Income Support.
The Welfare Reform Act 2012 is an Act of Parliament in the United Kingdom which makes changes to the rules concerning a number of benefits offered within the British social security system. It was enacted by the Parliament of the United Kingdom on 8 March 2012.
The under-occupancy penalty results from a provision of the British Welfare Reform Act 2012 whereby tenants living in public housing with rooms deemed "spare" face a reduction in Housing Benefit, resulting in them being obliged to fund this reduction from their incomes or to face rent arrears and potential eviction by their landlord.
The Costa–Hawkins Rental Housing Act ("Costa–Hawkins") is a California state law, enacted in 1995, which places limits on municipal rent control ordinances. Costa–Hawkins preempts the field in two major ways. First, it prohibits cities from establishing rent control over certain kinds of residential units, e.g., single-family dwellings and condominiums, and newly constructed apartment units; these are deemed exempt. Second, it prohibits "vacancy control", also called "strict" rent control. The legislation was sponsored by Democratic Senator Jim Costa and Republican Assemblymember Phil Hawkins.
Disabled Facilities Grants are paid under the Housing Grants, Construction and Regeneration Act 1996 for the provision of grant aided adaptations for disabled persons' properties within the UK. From 2020/21 the budget was increased to £573 million.
Government spending in the United States is the spending of the federal government of the United States, and the spending of its state and local governments.
Homes for Ukraine is a British government scheme started in 2022, which allows households to provide accommodation for Ukrainian refugees created by the Russian invasion of Ukraine.
References
- ↑ Shelter: Discretionary housing payments (DHP) (Accessed 30 Aug 2019)
