House Owners Research Articles

Legal Protection Against Home Ownership Credit Debtors with the Flexibility of Banking Policies in Credit Agreements without the Creditor's Permission

Introduction: The Job Creation Law's implementation in 2023 will significantly alter corporate rivalry and investment, particularly in the housing industry. This modification attempts to take into account the changing circumstances that both customers of housing and creditors or housing providers must deal with. Law Number 1 of 2011 further stipulates that all Indonesians in middle-class and lower-class economic categories must have access to livable housing. Objective: This article's goals are to clarify the legal ramifications of moving credit with collateral as a home ownership credit object without the creditor's consent and to outline the legal safeguards available to new home ownership credit (KPR) debtors in Medan who are still obligated to their banks by collateral. Methods: The laws and rules governing the distribution and financing of house ownership credit (KPR) in Indonesia are examined using a comparative legal analysis in this article. The efficacy of these regulatory actions is assessed by the author from a formal legal standpoint. The qualitative parameters of agreement laws in house ownership credit (KPR) are included in this study, along with the degree of legislative and banking policy development in Indonesia with regard to KPR financing. Results: Based on the analysis of the Court Decision, the research results demonstrate that credit transfers without the creditor's consent, which are frequently done in society, can be said to be legally valid as long as there are no parties who are disadvantaged and the new debtor has good faith intentions to uphold the rights and obligations of a determined contract. When a credit transfer is done without the consent of the creditor or notary, it is considered legally void and loses legal protection in the event that the new debtor breaches the terms of the agreement between the old and new debtors. Additionally, the new debtor's failure to fulfill their obligations demonstrates their lack of good faith. Conclusion: A policy regarding the validity of transferring home ownership credit (KPR) without the creditor's permission with provisions that do not cause losses to either the creditor or the new debtor should be developed in order to address the issue of legal protection for debtors of KPR who transfer without the creditor's consent.

Does housing status matter? Evidence from Covid-19 infections in Hong Kong

Face-fo-face contact is known to be the primary transmission route of the Covid-19 virus. Social norm and positional good theories suggest that people would interact with others selectively in order to fulfil social needs and prevent infections simultaneously. Previous studies focus on the impact of conventional social status factors (e.g., income and occupation) on virus transmission. It is unclear whether housing status, as another proxy of social status, also plays a role. This article thus makes use of three salient housing features – housing price, ownership rate, and wealth gap – to elucidate housing status and its link to public health. We combine the data of Covid-19 cases, housing transactions, and Census statistics to quantitatively estimate the association between housing status and Covid-19 infections at the street block level in Hong Kong from January 2020 to December 2021. It is found that among infected neighbourhoods, those with lower housing prices, lower ownership share, and less variation in housing wealth face a larger risk of Covid-19 infections. The potential circular causation between housing status and viral transmission highlights the need for better coordination between public health and housing policies.

Millennial Generation (Gen-Y) Preferences Towards Landed House Ownership in Yogyakarta Urban Agglomeration Using Logistic Regression

The city of Yogyakarta has become a magnet for the millennial generation (Gen-Y), leading to increased urbanization as residents flock to the city. This surge has resulted in a growing demand for land to accommodate public facilities, social amenities, and housing for workers. Despite soaring land prices, driven by high demand, land stocks have not diminished. Over the last 16 years, land prices have escalated by 30 times. However, the wages of Gen-Y formal workers in the DIY region stand at IDR 2,361,434, with an annual increase of only 8.51%. This rapid growth in property prices has not kept pace with the income growth of the millennial generation, raising concerns about their ability to access landed house ownership. This study aims to identify the preferences of the millennial generation regarding landed house ownership in the Yogyakarta Urban Agglomeration. The analytical method employed is Logistic Regression, involving 125 respondents of Gen-Y workers aged 27 to 41 years in the Yogyakarta Urban Agglomeration. Seven variables, encompassing 25 categorical predictors, were considered. The significant indicators influencing Gen-Y preferences in landed house ownership include the cost of building a house, building materials, and the nominal installment of the house. The findings of this research can be instrumental for relevant stakeholders in formulating policies in the housing sector, particularly in the regulation of subsidized housing for the Gen-Y. The contribution of this study lies in providing essential information for informed decision-making and effective policy implementation to tackle the housing challenges faced by the millennial generation in the Yogyakarta Urban Agglomeration.

Regulations on Conditions for Foreigners’ Housing Ownership in Vietnam: Inadequacies and Possible Solutions

In Vietnam, the concept of “settling down, having a good career” becomes an important goal of each individual. It means having a stable place to live can be guaranteed when you get a job. Therefore, home ownership becomes a basic human right. In the current integration trend, when the opening to trade between countries around the world is deepening, the demand for house ownership is not only limited to Vietnamese citizens, but also to foreigners. Vietnam has also recognized the problem of foreigners owning houses in Vietnam, but there are still restrictions on the number of houses, the area of houses owned and other issues. Currently, the Government is implementing a policy to attract investment in housing in order to exploit the development potential of this field in Vietnam as well as to solve the outstanding housing problem and expand the housing market. Therefore, the issue of foreigners’ home ownership becomes an important concern and is one of the research subjects to implement this policy.The article presents the provisions of Vietnamese law, international law on home ownership rights of foreign individuals and organizations in Vietnam, as well as conditions for foreign individuals and organizations to own housing in Vietnam, a guarantee of human rights. In addition, the article also points out to the shortcomings of the national legal regulation, thus making some recommendations to overcome the difficulties of the real estate market and housing development in Vietnam.

Implementasi Metode Fuzzy Tsukamoto untuk Menenentukan Harga Sewa Kamar Kost

It's important to understand how much it costs to rent a boarding room. Determining rental prices presents a challenge for many boarding house business owners. Boarding house owners must have an intelligence system that can be used as a decision-making tool in order to accurately calculate the cost of renting a boarding room in the interest of efficiency. If the boarding house business owner sets the rental price inappropriately, then he will not get the maximum profit. This research uses the Fuzzy Tsukamoto method using 2 input variables, namely facilities and room area. This system is designed to help boarding house business owners find out the room rental price in accordance with the criteria determined when starting this business. To calculate room rental prices accurately, boarding house owners can utilize this research to determine accurate room rental prices based on the quality of the room space. so that their room rental cost calculation problems can be solved properly. And based on the test results, it shows that according to the calculation of Fuzzy Tsukamoto with the criteria of facilities and room area that has been entered, the price of a room with 4 items of facilities and a room area of 12m2 is Rp. 673,000.

Determinants of housing and environmental conditions in a medium-sized city in Osun State, Southwestern Nigeria

ABSTRACT The study examined the factors influencing housing and its environmental conditions as well as the relationships between residential building types and their environmental conditions in Inisa, Southwestern Nigeria. Data were obtained through a questionnaire survey of 800 (about 10%) respondents using a systematic random sampling technique. Results indicated that there is a significant variation between building types and housing conditions (χ2=81.834, df=2, p-value=0.000); and between environmental and housing conditions (χ2=73.776, df=1, p-value=0.000). The study also found that four variables (Number of Households in Building; House Ownership; Household Size; and Car Ownership) significantly contributed to the classification of respondents into membership groups of the ‘Poor Housing' group and ‘Good Housing’ group in the binary logistic regression. To improve the housing and environmental conditions of medium-sized cities in Nigeria, the study advocates the Physical Development Plan as a spatial base for urban economic revitalization and environmental regeneration strategies.

House Owners – Tenants – Lodgers: The Topography of Tenement Houses in Medieval Prague

The phenomenon of tenement housing in medieval Prague is as yet understudied. This study attempts to outline the character of tenement housing on the basis of extant written sources from the fourteenth and fi fteenth centuries using an interdisciplinary perspective and the prism of four select themes: 1. contracts of lease; 2. the town house and its layout from the viewpoint of history and construction history; 3. analysis of Old Town tenement books for 1427 and 1429; 4. the social structure of inhabitants of an average Prague house using the example of three persons: the owner, the tenant-conventor, and the lodger-inquilinus. It appears that the Prague agglomeration being the centre of the Czech lands and the residence of the ruling Luxembourg dynasty, it was an exclusive urban centre in which only the members of the urban upper and upper-middle classes could aff ord to own a house. Small craftsmen and tradesmen had to rent their living space and workspace. The metropolis experienced a construction boom throughout the fourteenth century. Building lots were much more densely covered and dozens of new houses appeared built for the purpose of tenement housing (as opposed to being the residence of the owner). It is clear that this development had a signifi cant impact on the architecture and urban structure of the medieval city.

Sociodemographic Characteristics Mediated by Poverty as Determinants of Homeownership in Indonesia.

This research focuses on homeownership status with antecedent variables of sociodemographic characteristics mediated by poverty, using panel data in 34 provinces in Indonesia during 2017-2023. This research uses a Path Analysis model with dummy variables, grouping regions into 2 groups, namely urban areas and rural areas. The research results show that GDP per capita and education have a significant negative effect on poverty both in urban and rural areas. Furthermore, family members and population density have a significant negative effect on poverty in both areas. Meanwhile, labor has no effect on poverty in the two regions as well as on homeownership in the city, but has a positive effect in rural areas. It was also found that male heads of household had a significant negative effect on poverty in urban areas but had no effect in rural areas, then poverty had a significant negative effect on house ownership in urban areas but had no effect in rural areas. Apart from that, education has no effect on homeownership in both urban and rural areas. Furthermore, homeownership is significantly influenced by population density and male head of household in rural areas but not significantly in urban areas.Increasing the ability to own a home can be done by alleviating poverty by providing cheap credit facilities to families who need a place to live. Furthermore, the government should pay attention to sociodemographic characteristicsin increasing people’s ability to own a home and it is hoped that there will be a follow-up with gender research on homeownership.

Architectural heritage: log houses of the Warmia Region. A report from research workshops

The report concerns a research workshop attended by students of the Faculty of Architecture at Warsaw University of Technology. The workshop took place on 10–23 July 2023. During the workshop, among others, an architectural inventory of three Warmian log houses dating from the 2nd half of 19th century was made, ethnographic interviews with the inhabitants of analyzed houses were performed. The performed research aimed at documenting the existing but still disappearing heritage of log houses in Warmia, and at recognition of the structure of buildings and history of inhabiting them since they had been built. Threads of Warmian social identity were investigated – whether it was present or missing. The workshop resulted in a material that will be useful in further research. The graphical documentations of the houses were delivered to the house owners. The original drawings are archived at the Faculty of Architecture of Warsaw University of Technology. The overall outcome of that event is also a valuable experience for the participants and the inhabitants. All those actions aim to enrich the awareness of the log houses heritage in the region, especially among local communities, and to recognize relations of identities of researched houses with the cultural landscape of a land – here in Warmia as an example.

Cluster Analysis Integration Model with Survival Analysis for Late Payment of House Ownership Loan (Case Study: House Ownership Loan Bank X Customer)

Cluster Analysis Integration Model with Survival Analysis for Late Payment of House Ownership Loan (Case Study: House Ownership Loan Bank X Customer)

The Relationship Between Homeownership and Well-Being — Based on the Case of Singapore Public Housing

This essay explores the relationship between homeownership and human well-being after surveying the public homeownership policy in Singapore’s development in the last 35 years. Drawing primarily on existing papers in the fields of well-being and housing, it outlines the social impact of house ownership on both physical and mental health. Besides, selected elements like economy, society, ethnicity and employment are also considered to emphasize the associations with well-being. While relations are generally complicated, acceptable evidence exists to admit homeownership plays an important role in human well-being. Conclusions are drawn on the personal and theoretical aspects, highlighting the significance of cross-disciplinary collaboration in urban strategy. Further research is recommended to analyze how the homeownership improves the human condition, which could offer useful experiences to other countries.

Study of Common Construction Practices and Structural Defects in RC Buildings in Darchula District Far-Western Nepal

This paper presents the common construction and structural deficiencies noticed in Mahakali municipality Darchula. The RC building constructions are common in the Darchula district. The main objective of this study is to find existing structural and construction mistakes in RC buildings. Field observations, interviews with engineers, technical people, local house owners, photographs, reviews of works of literature, bye-laws, buildings code, etc. are taken to fulfill the objective ofthe study. This paper examines the cause and effects of faulty construction practices and structural defects by using both analytical and numerical methods. Structural defects are present in the RC buildings due to improper construction methods, poor use of bye[1]laws, poor workmanship; do not consult with professionals, corruption, lack of training, etc. The results show that these structural defects and faulty constructions practice may lead to serious failures of structures during strong earthquakes. This study provides relevant information on the building’s collapse in a recent earthquake (Gorkha 2015) and the major cause of failure of RC buildings to compare the defects present in existing RC buildings in the Darchula district. The results concluded that almost 48% of buildings have column sizes less than 300mmx300mm, 24% of buildings have poor beam-column joints and 11% of buildings are soft storey and irregular building shapes. The numerical results pointed out that non-engineered buildings show poor seismic performance, poor seismic capacity and failure mechanism. The study strongly recommended that to prevent future hazards, the construction of buildings should follow the building’s laws and codes and also should be ensured by the municipality and other government bodies also provides sufficient training and knowledge in the local level. To improve the existing structures, it is important to increase the strength capacity and ductility of the joint by providing a suitable retrofitting process or maintenance process.

DeSci Advancement and Gamification – Virtual University as A Model

The existing model for knowledge dissemination that universities and research centers adopt relies on central funding and central repositories of publications and books which are for the most part guarded by pay walls. These central repositories manifest as for-profit Publishing houses. While the editing and peer review processes are fully voluntarily performed by experts in the scientific field, the outcome of the scientific work i.e. the publication remains under the publishing house ownership accessible only by paying an exorbitant fee. In conjunction, conventional brick and mortar universities nowadays stand as the main knowledge creation flocked by students. Again, access to these educational institutions and/or to research funding require substantial effort and/or cost from students and scientists alike. In this work we present a new model for the creation and dissemination of knowledge relying on the DeSci approach and crowd funding. The model circumvents many if not all of the deficiencies of the existing centralized approach.

Gender-based vulnerability and adaptive capacity in the disaster-prone coastal areas from an intersectionality perspective

Households in the coastal areas are more vulnerable to various environmental, social, and economic disruptions in terms of an intersectionality point of view. As a first step in mitigating potential effects on families, knowing how susceptible they are and, ideally, fortifying themselves against existing and potential disruptions is essential. Vulnerability and adaptive capacity could not be uniformly distributed between households owing to gender-based socio-economic disparities and inequities. This research, thereby, examined the vulnerability and adaptive capacity variation between households headed by males and females in the two coastal areas of an emerging economy like Bangladesh. This study utilized the Evaluation-based on the Distance from Average Solution(EDAS)method and Boosted Regression Trees (BRT) technique to conduct the analysis. The EDAS method has been used to analyze the adaptive capacity index. Using BRT, an innovative approach in the area, we showed that male and female-headed households are different in terms of their capability to adapt. The findings from this study suggest that the households led by females are more vulnerable than those headed by males in the study region across a variety of dimensions (social, health, economic, housing, and land ownership) from an intersectionality perspective. The study findings can provide a new outlook for the decision-makers in the coastal region on the vulnerability and adaptive capacity differences among the residents and thus lead to more efficient disaster management practices.

Interpreting the Changing Meaning of the Peri-Urban Holiday House: The Complex and Paradoxical Nature of Housing Financialisation

ABSTRACT In recent studies of housing financialisation, a “financial paradox” has been identified in which owner-occupied houses are simultaneously places of ontological security and financial investment. This paradox influences the way owner-occupiers interpret their primary and holiday houses, particularly if the latter are located in sought after high amenity locations. In this paper, we argue that, faced with rapidly increasing residential property prices, many long-term owners reluctantly reconceptualise their understanding of their holiday house as both a recreational and financial asset. Our study uses in-depth interviews with owners of holiday houses on Waiheke Island, Auckland, Aotearoa New Zealand to identify how they are interpreting and managing the normalisation of this paradox. The island is historically popular for holiday houses and is currently experiencing substantial property price increases. It is therefore an ideal place to study the complex and paradoxical nature of housing financialisation and thus potential biases in the housing market.

Perilaku Toxic Dalam Permainan Online Mobile Legends Bang Bang

This research was carried out against the background of player behavior in the Mobile Legends Bang Bang game, in the Mobile Legends Bang Bang game Toxic behavior often occurs in the Mobile Legends Bang Bang Online Game, where this behavior often occurs when in a team there is a player who plays very aggressively. bad, doing feeders, differences in countries, differences in ethnicity, even differences in religion and so on. This research aims to find out (1) How toxic behavior takes the form of sarcasm in the online game Mobile Legends Bang Bang, (2) How toxic behavior takes the form of cynicism in the online game Mobile Legends Bang Bang. This research is field research and uses a qualitative approach. The research location is the barracks/boarding house where you live. Data sources in this research include data on the research location and data regarding mobile legends from players and barrack/boarding house owners. Secondary data consists of data from the online game Mobile Legends and toxic behavior obtained from other sources. The data collection technique used is through observation and documentation. For technical data analysis using data reduction, data presentation and drawing conclusions. Toxic in the form of sarcasm is a rude insult intended to hurt other people in the Mobile Legends game. The team is annoyed at players who are considered bad and burden the team. Toxic cynicism criticizes in a frank language style that fits the facts. Cynicism or excessive skepticism is a condescending attitude that is detrimental and hurts the feelings of others. It involves negative or cynical judgments of other people, ideas, or situations with the aim of ridiculing or feeling better than the other person. This text will be shortened to a few sentences or important points, while maintaining the essence of the information conveyed.

Green energy pathways: differing perspectives to green energy transitions among homeowners

The ostensible gravity of rapidly increasing the numbers of homeowners producing green electricity and heat energy in their homes cannot be overlooked for sustainability. However, there is a dearth of research on the existence of barriers to, and the drivers for energy switching among South African households. Thus, this article explored the reasons for the adoption and non-adoption of renewable energy technologies by examining the motivations for, as well as the barriers to the installation or retrofitting of the microgeneration technologies in KwaZulu-Natal a province of South Africa. The purposive sampling approach was used to collect data from 19 university academics through semi-structured interviews. The data were interpreted through content and descriptive analysis. The findings of the study indicated several reasons why house owners are motivated to adopt microgeneration technologies and this included self-sufficiency, saving on energy costs, the desire to protect the environment. On the other hand, the house owners put forward the following reasons for not adopting: high initial costs, lack of adequate information about the technologies, as well as the perceived complexity of the procurement process. These findings are essential for policy makers and other stakeholders, when developing policies and strategies to heighten the adoption rate of microgeneration. Based on the findings, it is recommended that the adoption process of the microgeneration should be well coordinated.

Does a household’s income affect its carbon emissions? Results for single-family homes in Poland

A key challenge of Fit for 55 will be reducing household emissions. For this, it is necessary to understand the factors that influence emissions and the specific role of household income. This study tests the validity of the environmental Kuznets curve (EKC) for households and links carbon emissions with income, housing, energy sources, and hidden energy poverty. We use individual household data from the Polish energy consumption survey complemented with data from a budget survey both compiled by Statistics Poland. The EKC is estimated in two scenarios, i.e. current energy mix, and zero-carbon electricity. Our model is based on the least trimmed squares technique. The study confirms the existence of the inverted U-shaped EKC in households, which is especially relevant for owners of small houses. This finding might be explained by the energy under-consumption often experienced by the poorest households, whereas wealthier households usually live in energy-efficient buildings and use less carbon-intensive fuels. The turning point is reached at 373 euros of income and 3425 kg of carbon emissions in a usual energy mix scenario compared to 560 euros and 5104 kg in a clean electricity scenario. Apart from income, household carbon emissions are interrelated with house size and hidden energy poverty, which should be in policymakers focus.

Influence of ‘Bergendang’ Culture in the Spaces of Traditional Sarawak Malay House

Bergendang is a uniquely Sarawak Malay traditional entertainment frequently held during social gatherings . This paper investigates the spatial use of bergendang activity in traditional Malay houses along the Sarawak River in Kuching. The research employed a qualitative case study design approach through field study observation and semi-structured interviews. Findings revealed different spatial use of bergendang for the early and later models of Sarawak Malay houses, which is associated with house owners’ social status. Spatial studies on traditional Malay houses in other parts of Sarawak are recommended for constructing northern Borneo's vernacular Malay house framework
 

Geospatial Assessment of Deforestation in Federal Capital Territory Abuja, Nigeria from 1987 to 2021

The expansion of urban areas directly leads to deforestation resulting in the loss of ecosystems and environmental problems such as soil erosion, loss of biodiversity, water pollution, air pollution, as well as climate change. This study aims to assess deforestation in the Federal Capital Territory Abuja, Nigeria from the year 1987 to 2021 using Geographical Information Systems (GIS) and Remote Sensing (RS). The maximum likelihood supervised classification method in ENVI 5.3 was employed to classify the territory into four classes, which include forestland, grassland, built up area, and surface water. An increasing trend was observed in the built up area, grassland, and surface water. However, the forestland decreased significantly from 4059.43 km2 in 1987 to 2265.28 km2 in 2021. The result indicates massive deforestation in Abuja, and it is recommended that proper urban planning and policies that will mitigate urban sprawl be initiated and implemented in Abuja. Policies that mandate house owners to plant trees and lawns in their compounds should be made and implemented, and proper conservation policies should be implemented to conserve forestland.