2/21/17, 7:35 PMUK HOUSING MARKET SOLUTION: Migration, Lending, Interests, & Home Production Rates. | Alan Dixon ~ PathosCrescendo | Pulse | LinkedIn

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UK HOUSING MARKET SOLUTION:Migration, Lending, Interests, & HomeProduction Rates.Published on August 11, 2016

As RICS chief economist has indicated the area we need to focus on is home ownersassociations and home building at the local level. The insight to this I will share frommy perspective is the following:

Thus via a means of using stimulus packages to enable banks via treasury yield returnsto gain greater asset wealth, they the banks in turn will have greater assets relative tolending as it pertains to tiers of capital lending. Therefore with respect to mortgagelending, greater capital means lower interest rates hence how greater capital translatesinto lower lending interest rates. Thus to extrapolate further within the Housing market,when we build at the local level we are generating value within the local market tho thiswe are only able to do when there is a demand for home within a given area. Thereforewe must calculate via census the quantity of individuals & families whom desire tomigrate to or continue to dwell within a given area or region. Thus once quantitativelyaccounting for migration levels & an area or regions set individuals or couples planningto start families whom will reach home ownership age in this case millennials, we arethus able to calculate the demand of prospectus home owners within the given area orregion . Also we must also account for families whom seek upgraded home ownershipwith respect to aggregate pay raises relative to economic expansion within a giveneconomy. Therefore we find this home production rate value rate via utilizing thefollowing equation:

(expected migration + millennial continuation of dwelling census) /(occupied current dwellings)

= {home production index rate} HPIR

(high payroll salary migrators index) / (HPIR)

={higher value home production index rate} HVHPIR

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2/21/17, 7:35 PMUK HOUSING MARKET SOLUTION: Migration, Lending, Interests, & Home Production Rates. | Alan Dixon ~ PathosCrescendo | Pulse | LinkedIn

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Thus HPIR - HVHPIR = an areas small to medium expansion rate or HPRV

Therefore we thus reach the level at which we produce new homes within a given area.& High payroll salary migrator is able to be subsituted with current high payroll &individual persons wealth increases or those whom are able to afford home upgrades orhigher value homes, hence an economies salary expansion equals high value homedemand.

(Current & Migratory dwellers on the high payroll salary growth index & current &migratory dwellers on Wealth Growth Index) purely MHPS&WGI

(CDHPSGI + CDWGI) / (HPIR) + (MHPS&WGI ) / (HPIR) = {HVHPIR}

Tagged in: treasury management, mortgage underwriting, actuarial science

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Alan Dixon ~ PathosCrescendoIndependent Marketing Director DECA Inc, VUBS LLC, Walgreens,85 articles

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2/21/17, 7:35 PMUK HOUSING MARKET SOLUTION: Migration, Lending, Interests, & Home Production Rates. | Alan Dixon ~ PathosCrescendo | Pulse | LinkedIn

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