한국관련자료
AEI Housing Market Indicators, January 2025
Purchase Activity Outlook Given Headwinds.
Year-over-Year (YoY) HPA in December 2024, Given Rate Headwinds, Remains Robust at 4.6%.
How changing HOA fees are affecting Florida condo prices. Since early 2023, Florida condo monthly HOA fees have surged by 31%, significantly outpacing the national median increase of 10%. The surge in condo HOA fees has likely contributed to a moderate price slowdown in Florida’s condo market compared to the single-family detached (SFD) home market.？ As of December 2024, Florida condo HPA declined by 5% year-over-year, while SFD home prices remained unchanged.
A New FHA Mortgage Insurance Premium (MIP) Would be a Mistake. With a new federal administration in place, it has been suggested by some that a reduction in FHA mortgage insurance premium (MIP) would “help” borrowers struggling with higher mortgage rates. Just like prior MIP cuts, such a policy change during a sellers’ market will not help prospective homebuyers and exposes taxpayers to increased default risk.？ Rather than cutting the MIP on 30-year loans, FHA should hold on to its reserves.
Why the National Flood Insurance Program (NFIP) Is a Cautionary Example Against Nationalizing the Property Insurance Market. As the share of homeowners without home insurance has increased, calls for a national program have gained traction. However, as the National Flood Insurance Program (NFIP) shows, such a program would likely not end well. The NFIP, established in 1968, had two primary goals: reducing future flood damage and protecting property owners. However, decades of mismanagement, underpriced risk, political interference, and financial insolvency make it a case study in why nationalizing the property insurance market would be a mistake.
Quantifying the potential impact of BLM land sales on affordability - Clark County, NV.
Updated Good Neighbors Index and the lessons for homelessness and displacement.
Year-over-Year (YoY) HPA in December 2024, Given Rate Headwinds, Remains Robust at 4.6%.
How changing HOA fees are affecting Florida condo prices. Since early 2023, Florida condo monthly HOA fees have surged by 31%, significantly outpacing the national median increase of 10%. The surge in condo HOA fees has likely contributed to a moderate price slowdown in Florida’s condo market compared to the single-family detached (SFD) home market.？ As of December 2024, Florida condo HPA declined by 5% year-over-year, while SFD home prices remained unchanged.
A New FHA Mortgage Insurance Premium (MIP) Would be a Mistake. With a new federal administration in place, it has been suggested by some that a reduction in FHA mortgage insurance premium (MIP) would “help” borrowers struggling with higher mortgage rates. Just like prior MIP cuts, such a policy change during a sellers’ market will not help prospective homebuyers and exposes taxpayers to increased default risk.？ Rather than cutting the MIP on 30-year loans, FHA should hold on to its reserves.
Why the National Flood Insurance Program (NFIP) Is a Cautionary Example Against Nationalizing the Property Insurance Market. As the share of homeowners without home insurance has increased, calls for a national program have gained traction. However, as the National Flood Insurance Program (NFIP) shows, such a program would likely not end well. The NFIP, established in 1968, had two primary goals: reducing future flood damage and protecting property owners. However, decades of mismanagement, underpriced risk, political interference, and financial insolvency make it a case study in why nationalizing the property insurance market would be a mistake.
Quantifying the potential impact of BLM land sales on affordability - Clark County, NV.
Updated Good Neighbors Index and the lessons for homelessness and displacement.
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