Thesis (M.S.) -- Central Connecticut State University, 2007. / Thesis advisor: Brian Sommers. "... in partial fulfillment of the requirements for the degree of Master of Science in Geography" Includes bibliographical references (leaves 98-104). Also available via the World Wide Web.

Thesis (Ph. D.)--Ohio State University, 2007. / Title from first page of PDF file. Includes bibliographical references (p. 140-146).

Thesis (Ph.D.)--University of Delaware, 2006. / Principal faculty advisor: Joel Best, Dept. of Sociology. Includes bibliographical references.

Thesis (Ph. D.)--Ohio State University, 1984. / Includes vita. Includes bibliographical references (leaves 103-106). Available online via OhioLINK's ETD Center.

Thesis (Ph. D.)--Oregon State University, 1968. / Typescript (photocopy). Includes bibliographical references (leaves 95-100). Also available on the World Wide Web.

No description available.

Typescript, etc.

After the Second World War had ended, the University of British Columbia, faced with thousands of returning veterans and a general shortage of accommodation in the Vancouver area, first accepted the responsibility of providing housing facilities for students. For this purpose, five former army camps were altered and expanded; Little Mountain, Lulu Island, and Wesbrook Camps to house married students, Fort Camp to house single men exclusively, while Acadia Camp accommodated single men, single women, and families. The development of these temporary residences from 19445 to 1949, when they housed approximately 775 single students and 550 families, is traced, with emphasis on the administration of the camps by the University. Student Government within the Camps is also discussed, with particular attention being given to the Little Mountain, Acadia, and Fort Camp Councils. By means of questionnaires, student opinions of certain features of the camps for single students was sought, both among the residents of these camps, and among the general student body of the University. An analysis and discussion of the answers obtained is included, and will, it is hoped, be of assistance in the planning of permanent residences. A preference for living in a residence, rather than boarding in a private home is indicated, and the location of the residences for men and women students in the same general area, with common dining and recreational facilities, is favoured. / Arts, Faculty of / Social Work, School of / Graduate

The basic purpose of this paper was to gain a better understanding of agreements for sale as a source of residential finance. This meant discovering what terms were being charged and why purchasers of houses used agreements as a source of finance versus mortgages. To this end, three hypotheses were derived in order to arrive at these answers. The first problem was to discover the relationship that existed between the state of the economy and the usage of agreements for sale as a source of residential finance. In addition, the influence on the terms charged was measured. The second area of investigation was to discover the effect of a house buyer's socio-economic status on the probability that he would have to use an agreement for sale. The basic question concerned whether a person with a low socio-economic status would be more likely to use an agreement. The terms charged were similarly analyzed. The third and final problem compared the terms on agreements and on mortgages. Was there greater variation in the terms amongst agreements than mortgages? If there were any variation, could this be due to differences in the quality of the borrower's financial collateral? To answer the first problem, data was collected for the year 1970 and 1971 on agreements for sale because these two years coincide with a recessionary and expansionary economic period, respectively. For the second problem, data was collected on mortgages for the year 1971. Purchasers under agreements for sale and mortgages were then all assigned a socio-economic status. Thereupon, the analysis was undertaken on the basis of the data collected. For the third hypothesis, the collected data for 1971 on agreements for sale and on mortgages was statistically compared. In addition, regression equations were derived between certain variables to arrive at relationships between terms. In concluding, it was found, that in a recessionary state in the economy, agreements for sale were in greater prevalence than in an expansionary state. The terms charged at such a time were much harsher than in a time of economic expansion. Purchasers with low socio-economic status tended to use agreements for sale more often than did buyers with a high index. In general, it was found that agreements for sale tended to have less harsh terms than did mortgages. / Business, Sauder School of / Graduate

In this thesis, an attempt is made to relate the housing policies of the Federal Government to the income structure of families in Canada. It is felt that this is a fruitful area of study for students of planning since the questions of slum areas, urban renewal programs, and the general promotion of safety and welfare are involved. Moreover, in the urbanizing context in which we live today, cognizance will have to be taken of problems which cities face when low-income families settle within their boundaries. The hypothesis with which the thesis was mainly concerned was this: Given the structure of income distribution in Canada, the housing policies of the Federal Government, with their major reliance on home-ownership financing, inevitably produce a housing shortage within the urban centres of the country. To test the main hypothesis, federal policies as codified in the National Housing Act, as well as the speeches of Members of Parliament — especially those responsible for administering the housing Acts over the years—were examined. The findings clearly supported the contention, that not only does federal policies emphasize housing for home-owners, but insistence on private production of housing to meet all demands was the keystone of federal housing policies. These aspects of housing policy developed during the Second World War and continued into the 1950s and early 1960s. Quite recently, however, there has been a noticeable shift in the emphasis given to public housing. Having affirmed that Government policies did in fact emphasize market provision of housing seemingly without regard to the full implications, the question of needs, and the basic components of need were investigated. Needs, it was pointed out, are not identical with demand. For whereas demand is expressed in terms of the ability and willingness to pay in the market, needs must be sought out, by first establishing the income level which allows the individual to buy his own home. For those who cannot meet market requirements, public housing, limited-dividend housing and other forms of subsidized housing are necessary. Home-ownership as a value is perhaps still very strong in Canada. If satisfactory housing is provided for low-income families a policy of educating the public as to the benefits to the community as a whole is necessary. Such an education program should point out that home-ownership under the National Housing Act is itself subsidized. Furthermore, home-ownership often means massive assistance. The mortgagor may be said to own heavy debts, just as easily as he is said to "own" his home. The market for housing production was examined in detail. Four significant points emerged: 1. Families receiving less than $4,000 cannot afford to own a home even under NHA arrangements and therefore are excluded from the home-ownership market. 2. For those families unable to benefit from the home-ownership provisions of the Act, low-rental housing is necessary. But so far only a negligible supply of housing has been produced under the NHA in spite of a wide range of provisions. 3. Study of financing conditions in Vancouver would indicate that there are significant shifts away from the use of NHA. On the other hand, NHA loans continue to play a noticeable role in suburban areas of Greater Vancouver where suitable lot sizes and land costs can be found. k.. Evidence suggests that of late, more serious consideration is being accorded the problem of low-rental housing and public housing. The Minister assigned the task of overseeing the administration of the National Housing Act, has recently called attention to the plight of the many thousands of families who cannot obtain even minimal standard housing accommodation with public subsidy. In short, greater recognition is being given to the crucial role that the incomes of families play. But such a policy would have to show awareness of the fact that, since the federal resources available for housing are limited, allocation of federal funds should be in that area of housing in which greatest national welfare would result. However, the basic problem of effectively providing housing for low-income groups remains. Its solution will require more wholehearted effort on the part of the provincial government along the lines of the government of the Province of Ontario. But it is felt that the Federal Government can also show much more initiative. / Applied Science, Faculty of / Community and Regional Planning (SCARP), School of / Graduate