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Associate
Banking Diploma — Option Subject
Housing |
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| Objective | |
| - | To familiarise candidates with the concepts and terminology of public and private sector involvement in the housing market; and |
| - | To ensure that candidates understand the factors which contribute to land and house values, and the sources of finance available for housing. |
| - | To enable candidates to evaluate, analyse and critically assess the development of housing policy, the operation of the housing market, current housing trends and the administration and financing of housing. |
| SYLLABUS | |
| SOCIAL STRUCTURE AND THE NATIONAL HOUSING STOCK | |
| 1. Social Structure and Social Change | |
| 1.1 | The nature of population, including its size, characteristics and distribution. The main occupational changes. Changes in class and household structure, including the effect of the availability of work and patterns of employment. |
| 1.2 | The main demographic changes and forecasted changes: the ageing population and the migration of retired people; changes in population distributions, including de-population and re-population of rural areas and de-population of inner city areas; patterns of industrial location and their effects on geographic distribution of population; changes in population growth, including birth and death rates; concentration of disadvantaged groups in inner city areas. |
| 1.3 | Current
social and financial pressures and their effects on access to housing for
the following: - first-time buyers - families - one-parent families - ethnic minorities - single people - special-needs groups. |
| 1.4 The effects of social changes on the provision of rented and owner-occupied housing and other forms of tenure. | |
| 1.5 The economic, administrative and legal factors which have contributed to growth, decline and limitations on the various forms of tenure. | |
| 2. The Nature of the Nation’s Housing Stock | |
| 2.1 | Condition; characteristics: size, space standards; age; distribution relative to housing needs. |
| 2.2 | National reports on housing standards and conditions. |
| DEVELOPMENT OF HOUSING POLICY | |
| 3. Background and Present Framework | |
| 3.1 | The change of emphasis in the provision of housing for the working classes to housing as a social service. Principal legislation leading up to present legislative framework. |
| 3.2 | The present statutory framework of administrative controls in the private and public sectors. |
| 4.
Housing Policy Issues and Trends Key housing policy issues and trends, e.g. privatisation. The factors which influence housing policy and trends: - main patterns of tenure - provision of housing by local authorities - development of owner-occupation - decline of private rented sector - improvement and clearance of older housing - inner-city areas - housing associations - special needs housing provision - availability of housing, in particular the growth of homelessness - housing standards |
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| 5. Partnership of Public and Private Sectors | |
| 5.1 | Participation by building societies in urban area renewal and the regeneration of inner cities. The expanding role of building societies in the housing field. Participation by building societies in the conversion and improvement of older dwellings. |
| 5.2 | The integration of public and private enterprise. |
| HOUSING ADMINISTRATION AND FINANCE | |
| 6. Housing Agencies | |
| 6.1 | The roles and functions and key relationships of: local housing authorities, including building control and housing investment programmes; building societies and other financial institutions. |
| 6.2 | Housing Corporation and its equivalent; types of housing associations and the approved development programme. |
| 6.3 | Central government; The Department of the Environment. The Treasury, Scottish Office and Welsh Office; federations and organisations in the building industry, in particular the NHBC. |
| 6.4 | Forms of tenure, including freehold and leasehold, and new forms of tenure, such as shared ownership and leasehold schemes for the elderly. Marginal forms of tenure, including co-ownership, self-build groups and cooperatives. Right to buy and basic procedures. |
| 6.5 | The role of architects, estate agents, building society valuers, building control officers and housing managers with regard to the sale and management of housing. |
| 6.6 | The principal rights of public sector tenants. The ‘criteria’ which affect the value and saleability of residential property, including the effect of land availability at national level. The factors which determine the ‘suitability’ of housing for purposes of mortgage. The participation of building societies in the ownership of land and in the development of housing for rent or sale. |
| 6.7 | The principal forms of freehold, leasehold, including tenancies and equitable interests and the related security of tenure and rent control. |
| 6.8 | Arrears of rent and mortgage payments. Possession procedures an policies for rented and home-ownership sectors, including those which apply to shared ownership forms of tenure. Mortgage rescue, debt counselling and flexible tenures as methods to assist in alleviating repossessions. |
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7.
Sources of Housing Finance |
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THE
EXAMINATION RECOMMENDED
READING |
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