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Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage

Journal Article:

Abstract

The lack of available financing is a major impediment to the construction of earth-sheltered housing. A broad-based study of lending institutions, this study describes the perceptions of loan officers toward earth-sheltered housing and their perception of their institution's lending policies in terms of their concerns. The survey finds that a majority of the loan officers perceive more stringent terms and larger down payments for earth-sheltered housing because of their concerns for financial risk, complexity, and relative advantage. Methods to reduce the risk and complexity and to increase the relative advantage would involve marketing research, certification and warranty programs, secondary mortgages markets, and other techniques. 8 references, 5 tables.
Publication Date:
Jan 01, 1984
Product Type:
Journal Article
Reference Number:
EDB-85-037790
Resource Relation:
Journal Name: Underground Space; (United Kingdom); Journal Volume: 8:3
Subject:
32 ENERGY CONSERVATION, CONSUMPTION, AND UTILIZATION; 29 ENERGY PLANNING, POLICY AND ECONOMY; EARTH-COVERED BUILDINGS; FINANCING; MARKETING; CONSTRAINTS; ECONOMIC POLICY; FINANCIAL ASSISTANCE; HOUSES; INSTITUTIONAL FACTORS; SURVEYS; BUILDINGS; FINANCIAL INCENTIVES; GOVERNMENT POLICIES; RESIDENTIAL BUILDINGS; 320101* - Energy Conservation, Consumption, & Utilization- Residential Buildings- (-1987); 291000 - Energy Planning & Policy- Conservation; 290200 - Energy Planning & Policy- Economics & Sociology
OSTI ID:
6178823
Research Organizations:
Univ. of Nebraska, Lincoln
Country of Origin:
United Kingdom
Language:
English
Other Identifying Numbers:
Journal ID: CODEN: UNSPD
Submitting Site:
HEDB
Size:
Pages: 191-195
Announcement Date:

Journal Article:

Citation Formats

Hanzai-Kashi, A, and Combs, E R. Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage. United Kingdom: N. p., 1984. Web.
Hanzai-Kashi, A, & Combs, E R. Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage. United Kingdom.
Hanzai-Kashi, A, and Combs, E R. 1984. "Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage." United Kingdom.
@misc{etde_6178823,
title = {Loan officers' perceptions concerning earth-sheltered housing: risk, complexity, and advantage}
author = {Hanzai-Kashi, A, and Combs, E R}
abstractNote = {The lack of available financing is a major impediment to the construction of earth-sheltered housing. A broad-based study of lending institutions, this study describes the perceptions of loan officers toward earth-sheltered housing and their perception of their institution's lending policies in terms of their concerns. The survey finds that a majority of the loan officers perceive more stringent terms and larger down payments for earth-sheltered housing because of their concerns for financial risk, complexity, and relative advantage. Methods to reduce the risk and complexity and to increase the relative advantage would involve marketing research, certification and warranty programs, secondary mortgages markets, and other techniques. 8 references, 5 tables.}
journal = {Underground Space; (United Kingdom)}
volume = {8:3}
journal type = {AC}
place = {United Kingdom}
year = {1984}
month = {Jan}
}