Who's Moving In? A Longitudinal Analysis of Home Purchase Loan Borrowers in New Transit Neighborhoods
Who's Moving In? A Longitudinal Analysis of Home Purchase Loan Borrowers in New Transit Neighborhoods
复制标题
谁要搬进来？
DOI：
10.1111/gean.12234
复制
发表时间：
2020
影响因子：
3.6
通讯作者：
Schuch, Johanna Claire
中科院分区：
文献类型：
--
作者：
Delmelle, Elizabeth C.;Nilsson, Isabelle;Schuch, Johanna Claire
本文使用《住房抵押贷款公开法》中的纵向、个人层面的数据，研究了搬进新的轨道交通社区的居民的特征。为了将交通与其他社区设施的作用分开，这些设施可能会导致购房者的社会经济或人口结构发生变化，本文首先对交通邻近社区的房地产广告进行了探索性的文本分析。这就为我们的模型创建了变量，这些变量根据种族和收入估计申请者申请贷款的可能性，并突出显示了轻轨最显著的广告宣传为便利设施。我们认为，宣布兴建一条新的轻铁线并不会显著改变贷款申请人的收入状况。相反，靠近中心城市是吸引高收入申请者的一个更重要的决定因素。我们确实发现，宣布这条运输线对于解释申请者种族特征的变化具有重要意义。宣布后，白人申请者在交通相邻的社区申请贷款的可能性大大增加，而黑人申请贷款的可能性明显降低。至于其他便利设施，社区的步行能力对于预测白人申请者更有可能在哪里申请购房贷款具有重要意义。
This article examines the characteristics of residents moving into new rail transit neighborhoods using longitudinal, individual‐level data from the Housing Mortgage Disclosure Act. To disentangle the role of transit from other neighborhood amenities that may give rise to shifts in the socioeconomic or demographic profile of homebuyers, an exploratory text analysis is first performed on property advertisements in transit‐adjacent neighborhoods. This informs the creation of variables for our models that estimate the probability of an applicant applying for a loan by race and income, and highlights where light rail is most prominently advertised as an amenity. We do not find that the announcement of a new light rail line significantly alters the income profile of loan applicants. Rather, proximity to the center city is a more important determinant in attracting higher income applicants. We do find that the announcement of the transit line is significant in explaining changes in the racial profile of applicants. Postannouncement, White applicants are significantly more likely to apply for loans in transit‐adjacent neighborhoods, while Blacks are significantly less likely to. As for other amenities, the walkability of a neighborhood is significant in predicting where White applicants are more likely to apply for home purchase loans.
登录
查看更多内容
影响因子：
3.8
作者：
A. Nelson;Philip Stoker;R. Hibberd
通讯作者：
A. Nelson;Philip Stoker;R. Hibberd
影响因子：
2.2
作者：
Wenwen Zhang;Fangru Wang;Camille Barchers;Yongsu Lee
通讯作者：
Wenwen Zhang;Fangru Wang;Camille Barchers;Yongsu Lee
精酿啤酒厂的价值：论精酿啤酒厂与房产价值的关系
影响因子：
3.2
作者：
I. Nilsson;N. Reid
通讯作者：
N. Reid
影响因子：
8.2
作者：
TIEBOUT, CM
通讯作者：
TIEBOUT, CM
公交丰富社区与公交乘客量之间的关系：来自贫困分散化的证据
影响因子：
4.9
作者：
Kyungsoon Wang;Myungje Woo
通讯作者：
Myungje Woo