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Flashcards in Larch065 Exam 1 Deck (35):
1

Model

Describes how things work

2

Theory

Explains how things work

3

What is choice limited by? (7)

 Resource
 Market
 Ability to cope
 Willingness to move
 Ability to move
 Knowledge and
information
 External constraints

4

What can affect an individual/group's choice?

 Life style
 Stage in life cycle
 Individual preference
 Surrounding culture

5

What do people choose when they make a choice? (2)

A system of setting and environmental qualities

6

What is setting? (3)

 Bounded places where particular activities occur
 Provide cues for appropriate rules and hence behavior
 Objective & perceived features

7

What is a system of settings?

A series of settings linked across space and time

8

Elements of environmental quality (4)

 Nature of its components
 Ranking
 Importance with respect to other aspects of life
 Components operate as PULLS and PUSHES

9

Components of environmental quality that cannot be controlled? (3)

 Climate
 Topography
 Perceived
crime levels

10

Components of environmental quality that cna be somewhat controleld (3)

 Ownership/
Tenure
 Management
 Social Factors

11

Components of environmental quality that can be controlled (3)

 Visual quality
 Density
 House style/
Detail

12

Reasons for and mechanisms of choice (4)

 Process of matching people’s values, desires, needs
with the perceived environmental qualities
 Pull factors seem to be more important
 Needs as manifest and latent
 Choice as dynamic - changing

13

How did Catherine Beecher affect housing?

She promoted suburbs by sayign rural lfie is ideal and made plans for simple and efficient houses. 

14

Colonial Williamsburg

An orginal suburb based on restored buildings

15

HOLC

Uniform payments on long term loans

Systematic Appraiasal Methods

Catagorized areas in 4 colors

16

Best to worst HOLC colors

Green

Blue

Yellow

Red

17

Primary motive behind the FHA

JOBS!

18

What the FHA did to housing market? )4)

 Down payments of more than 10% became
unnecessary.
 Extension of repayment period for guaranteed
mortgages to 25-30 years, and fully amortized.
 Establishment of minimum standards for home
construction that became the standard in the industry.
 Lowering of interest rates by 2%-3%.

19

Consequences of FHA

 FHA encouraged single family projects and
discouraged the construction of multi-family projects.
 Loans for existing structures were meager.
 Unbiased professional estimate.
 The FHA legitimized segregation.

20

Who took risk out of taking house loans?

The FHA

21

Did the HOLC give out loans?

Yes, but not many

22

Where are gated communities popping up?

metropolitan, south, southeast, southwest

23

What leads to the development of refugee camps? (4)

 high population density
 cramped living condition
 Inadequate infrastructure
 Created due to conflict  

24

 What conditions lead to the development of slums?

 high population density
 cramped living condition
 Inadequate infrastructure
 Created due to socio-economic conditions 

25

What 4 things define home?

Land

Infrastructure

Physica;l Structure

Emotional attachment

26

Article 25 of the Universal Declaration of Human
Rights (1948)

Everyone has a right to a standard of living adequate for the
health and well being of himself and of his family, including
food, clothing, housing and medical care and necessary social
services and the right to security in the event of unemployment,
sickness, disability, widowhood, old age or other lack of
livelihood in circumstances beyond his control. 

27

What is adequate housing/shelter?

 Adequate privacy
 Adequate space
 Security
 Security of tenure
 Structural stability and
durability
 Adequate lighting,
heating and ventilation
 Adequate infrastructure
 Suitable environmental
quality
 Adequate and
accessible location to
work

28

CRA

Community Reinvestment act - Banks must meet the credit needs of the communities in which they operate.

29

Habitat Agenda

It is the responsiabiltytytyt of gov to provide adequate housing

30

dissimilariyty index

the percentage of a certain race thast must leave in order to make race even in that area

 

HIGH numbers are bad

31

FHA

Fair housing Act cannot discriminate upon color, gender, etc...

32

HMDA

Housing mortgage and disclosure act

 

banks must submit public loan data

33

Framework

Puts phenomena into patterns so they can be interopretaed

34

What abrought down hous9ing costs in the 19th century?

The machine made nail

Thin uniform board cuts

35

difference between fha and holc

HOLC focused on troubled loans

FHA loans were private and only insured by the GOV