| 000 -LEADER |
|---|
| fixed length control field |
01546naa a2200193uu 4500 |
| 001 - CONTROL NUMBER |
|---|
| control field |
8451 |
| 003 - CONTROL NUMBER IDENTIFIER |
|---|
| control field |
OSt |
| 005 - DATE AND TIME OF LATEST TRANSACTION |
|---|
| control field |
20190211154452.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION |
|---|
| fixed length control field |
021120s2005 xx ||||gr |0|| 0 eng d |
| 999 ## - SYSTEM CONTROL NUMBERS (KOHA) |
|---|
| Koha Dewey Subclass [OBSOLETE] |
PHL2MARC21 1.1 |
| 041 ## - LANGUAGE CODE |
|---|
| Language code of text/sound track or separate title |
eng |
| 100 1# - MAIN ENTRY--PERSONAL NAME |
|---|
| Personal name |
BLACKMAN, Allen |
| 9 (RLIN) |
1189 |
| 245 10 - TITLE STATEMENT |
|---|
| Title |
Location-Efficient Mortgages : |
| Remainder of title |
is the rationale sound? |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. |
|---|
| Date of publication, distribution, etc. |
2001 |
| 520 3# - SUMMARY, ETC. |
|---|
| Summary, etc. |
Location efficient mortgage (LEM) programs are an increasingly popular approach to combating urban sprawl. LEMs allow families who want to live in densely populated, transit-rich communities to obtain a larger mortgage with a smaller down payment than traditional underwrinting guidelines allow. LEMs are premised on the proposition that homeowners in such "location-efficient" areas can safely be allowed to breach underwriting guidelines designed to prevent mortgage default because they have lower that average automobile-related transportation expenses and more income available for mortgage payments. This paper employs records of more than 8000 FHA-insured mortagages matched with data on various measures of locatio efficiency to test this proportion. The results suggest that it does not hold and that LEMs - like other low-down-payment mortgage programs - will raise mortgage default rates. This cost must be weighed against any potential anti-sprawl benefits LEMs may have |
| 700 1# - ADDED ENTRY--PERSONAL NAME |
|---|
| Personal name |
KRUPNICK, Alan |
| 9 (RLIN) |
17755 |
| 773 08 - HOST ITEM ENTRY |
|---|
| Title |
Journal of Policy Analysis and Management |
| Related parts |
20, 4, p. 633-649 |
| Place, publisher, and date of publication |
, 2001 |
| Record control number |
|
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) |
|---|
| Koha item type |
Periódico |
| 998 ## - LOCAL CONTROL INFORMATION (RLIN) |
|---|
| -- |
20021120 |
| Operator's initials, OID (RLIN) |
Cassio |
| Cataloger's initials, CIN (RLIN) |
Cassio |
| 998 ## - LOCAL CONTROL INFORMATION (RLIN) |
|---|
| -- |
20060616 |
| Operator's initials, OID (RLIN) |
1707^b |
| Cataloger's initials, CIN (RLIN) |
Quiteria |
