Informal Homeownership in the United States and the Law
Informal Homeownership in the United States and the Law
复制标题
美国的非正式住房所有权及其法律
DOI：
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发表时间：
2010
期刊：
影响因子：
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通讯作者：
Heather Way
中科院分区：
文献类型：
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作者：
Heather Way
这篇文章考察了美国数百万低收入家庭如何试图在抵押贷款市场之外非正式地获得房屋所有权，而是通过租赁到所有权合同和无遗嘱继承等机制。这些家庭中的许多人对他们的房屋持有劣质和不安全的所有权--如果他们拥有所有权的话。文章探讨了非正式住房所有权的好处和缺陷，以及使正式住房所有权和非正式住房所有权之间的差异永久化的法律结构。然后，文章提出了一系列法律改革，以帮助确保美国的法律制度为低收入家庭提供更好的机会，以获得有保障的房屋所有权。
This article examines how millions of lower-income families in the United States attempt to acquire title to their homes informally, outside the mortgage market and instead through mechanisms such as lease-to-own contracts and intestacy. Many of these families are left holding inferior and insecure title to their homes - if they hold title at all. The article explores the benefits and pitfalls of informal homeownership and the legal structures that perpetuate disparities between formal and informal homeownership. The article then proposes a series of legal reforms to help ensure that the American legal system provides lower-income families with better opportunities to obtain secure title to their homes.