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North Korea

first_imgNews July 6, 2020 Find out more North KoreaAsia – Pacific April 1, 2020 Find out more Links:The Citizens’ Alliance for North Korean Human RightsA government site to promote tourismThe government news agency KCNA News Help by sharing this information News The Internet officially does not exist in the world’s most isolated country, but a handful of privileged people are allowed to go online through the phone system or via satellite. The regime also uses the Internet for its own foreign communications and in early 2002 even set up a website (Arirang) to attract tourists.China hosts the official DPRKorea Infobank site (in Korean, English, Japanese and Chinese), that describes the delights of the North Korea. A dozen other official sites, including the government’s Korean Central News Agency (KCNA), are hosted in Japan or China. The KCNA site contains descriptions and articles about the “Dear Leader” Kim Jong-il and happy peasants and workers. There is no mention of the country’s famine situation.A North Korean scientific magazine, The World of Science, printed a diagram in 2000 showing a plan to instal filters between the Internet and the country’s Intranet to control material passing between the two.This ambiguous attitude to the Internet is denounced by human rights organisations using the Web to fight the repressive regime. One of the most active is the Citizens’ Alliance for North Korean Human Rights, which is based in South Korea and heavily involved in helping those who manage to escape from the country via China or Russia. Its site contains many reports on the situation. Receive email alerts Follow the news on North Korea Journalists face archaic sanction of capital punishment in some parts of the world November 18, 2019 Find out more to go further As doubt persists on North Korea’s “zero” coronavirus cases, RSF urges for transparency “Without independent journalism, this would be the news” – RSF’s new ad RSF_en Organisation June 18, 2003 – Updated on January 20, 2016 North Korea North KoreaAsia – Pacific Campaignslast_img read more

The Right Path for FHA?

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The latest American Enterprises Institute Housing Market Indicators released its data on October 2018 with a focus on the National Mortgage Risk Index. The report, released on January 28, includes data on mortgage risk, house price appreciation, and home sales.“FHA’s and the Bureau of Consumer Financial Protection’s pro-cyclical policies are continuing to drive home prices higher for entry-level buyers and are exposing buyers to an unsustainable home price boom,” noted Edward Pinto, Codirector of the AEI’s Center on Housing Markets and Finance. “As these policies since late-2012 have needlessly driven up low price tier homes by an additional $23,000, it is time both took counter-cyclical steps to protect homebuyers,” he added.The report found that mortgage risk jumped in October with all indices setting new series’ highs for the month. The composite Purchase National Mortgage Risk Index (NMRI) recorded an increase of 0.4 percentage points from Oct. 2017. The Federal Housing Administration (FHA) index set a new series’ high at 28.2 percent. Refi NMRI  also set a new series’ high, primarily due to a higher Cash-Out Refi NMRI, it indicated.According to AEI data, the higher NMRI indicates that agencies continue to increase leverage to maintain levels of mortgage activity and in furtherance of their “affordable housing” mission. The report noted that FHA continues to loosen and Fannie’s purchase risk index in Oct. 2018 at 1.4 percentage points outpaced that of Freddie’s. The report also pointed out that over the last 3 years, a shift towards higher DTIs has primarily driven the NMRI higher.“Reports of the end of current housing boom are exaggerated,” said Tobias Peter, Senior Research Analyst at AEI’s Center on Housing Markets and Finance. “Inventories remain mostly tight, especially for entry-level homes, access to credit continues to be expanding, especially for first-time buyers, and mortgage rates have recently fallen below 4.5 percent again. All this points to a continuation of the boom at lower price points,” he added.Shedding light on FHA lending, the report found that FHA’s credit box is wide and therefore credit for entry-level buyers is not tight. FHA continues to add high-risk borrowers with their risk index climbing through risk layering. Compared to 2017, the agency purchase volume declined this October. A decline of 3.9 percent was recorded in purchase volume by count compared to 2017—a rise in volume from 37 percent in October 2013. The report attributes the decline to the increase in mortgage rate to over 4.5 percent earlier in the year.Per AEI Housing Market Indicators, maintaining purchase volume continues to be reliant on further agency credit easing— seen as needed to offset headwinds from gradually rising interest rates as a result of a slightly less accommodative monetary policy, and rapid home price increases.Read the full report here. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Market Studies, News, Servicing Related Articles AEI Edward Pinto Home Prices Mortgage Risks Tobias Peter 2019-01-28 Donna Joseph Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Donna Joseph Tagged with: AEI Edward Pinto Home Prices Mortgage Risks Tobias Peter Demand Propels Home Prices Upward 2 days agocenter_img January 28, 2019 3,280 Views The Best Markets For Residential Property Investors 2 days ago Previous: Spotlight on Default Servicing Law Firms Next: The State of Servicing Home / Daily Dose / The Right Path for FHA? The Right Path for FHA?  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Donna Joseph is a Dallas-based writer who covers technology, HR best practices, and a mix of lifestyle topics. She is a seasoned PR professional with an extensive background in content creation and corporate communications. Joseph holds a B.A. in Sociology and M.A. in Mass Communication, both from the University of Bangalore, India. She is currently working on two books, both dealing with women-centric issues prevalent in oppressive as well as progressive societies. She can be reached at [email protected] last_img read more