Affordable housingAffordable housing is housing which is deemed affordable to those with a household income at or below the median as rated by the national government or a local government by a recognized housing affordability index. Most of the literature on affordable housing refers to mortgages and a number of forms that exist along a continuum – from emergency homeless shelters, to transitional housing, to non-market rental (also known as social or subsidized housing), to formal and informal rental, indigenous housing, and ending with affordable home ownership.
Urban planningUrban planning, also known as town planning, city planning, regional planning, or rural planning, is a technical and political process that is focused on the development and design of land use and the built environment, including air, water, and the infrastructure passing into and out of urban areas, such as transportation, communications, and distribution networks and their accessibility.
Public housingPublic housing is a form of housing tenure in which the property is usually owned by a government authority, either central or local. Although the common goal of public housing is to provide affordable housing, the details, terminology, definitions of poverty, and other criteria for allocation vary within different contexts. In the United States, public housing developments are classified either as housing projects that are owned by a city's Housing authority or federally subsidized public housing operated through HUD.
Theories of urban planningPlanning theory is the body of scientific concepts, definitions, behavioral relationships, and assumptions that define the body of knowledge of urban planning. There are nine procedural theories of planning that remain the principal theories of planning procedure today: the Rational-Comprehensive approach, the Incremental approach, the Transformative Incremental (TI) approach, the Transactive approach, the Communicative approach, the Advocacy approach, the Equity approach, the Radical approach, and the Humanist or Phenomenological approach.
Housing associationIn Ireland and the United Kingdom, housing associations are private, non-profit making organisations that provide low-cost "social housing" for people in need of a home. Any budget surplus is used to maintain existing housing and to help finance new homes and it cannot be used for personal benefit of directors or shareholders. Although independent, they are regulated by the state and commonly receive public funding. They are now the United Kingdom's major providers of new housing for rent, while many also run shared ownership schemes to help those who cannot afford to buy a home outright.
Urban plannerAn urban planner (also known as town planner) is a professional who practices in the field of town planning, urban planning or city planning. An urban planner may focus on a specific area of practice and have a title such as city planner, town planner, regional planner, long-range planner, transportation planner, infrastructure planner, environmental planner, parks planner, physical planner, health planner, planning analyst, urban designer, community development director, economic development specialist, or other similar combinations.
Urban sprawlUrban sprawl (also known as suburban sprawl or urban encroachment) is defined as "the spreading of urban developments (such as houses and shopping centers) on undeveloped land near a city". Urban sprawl has been described as the unrestricted growth in many urban areas of housing, commercial development, and roads over large expanses of land, with little concern for urban planning. In addition to describing a special form of urbanization, the term also relates to the social and environmental consequences associated with this development.
Urban renewalUrban renewal (also called urban regeneration in the United Kingdom and urban redevelopment in the United States) is a program of land redevelopment often used to address urban decay in cities. Urban renewal involves the clearing out of blighted areas in inner cities to clear out slums and create opportunities for higher class housing, businesses, and other developments. A primary purpose of urban renewal is to restore economic viability to a given area by attracting external private and public investment and by encouraging business start-ups and survival.
Sustainable urbanismSustainable urbanism is both the study of cities and the practices to build them (urbanism), that focuses on promoting their long term viability by reducing consumption, waste and harmful impacts on people and place while enhancing the overall well-being of both people and place. Well-being includes the physical, ecological, economic, social, health and equity factors, among others, that comprise cities and their populations.
BankA bank is a financial institution that accepts deposits from the public and creates a demand deposit while simultaneously making loans. Lending activities can be directly performed by the bank or indirectly through capital markets. Whereby banks play an important role in financial stability and the economy of a country, most jurisdictions exercise a high degree of regulation over banks. Most countries have institutionalized a system known as fractional-reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities.
Mortgage loanA mortgage loan or simply mortgage (ˈmɔɹɡɪdʒ), in civil law jurisdicions known also as a hypothec loan, is a loan used either by purchasers of real property to raise funds to buy real estate, or by existing property owners to raise funds for any purpose while putting a lien on the property being mortgaged. The loan is "secured" on the borrower's property through a process known as mortgage origination.
Online bankingOnline banking, also known as internet banking, virtual banking, web banking or home banking, is a system that enables customers of a bank or other financial institution to conduct a range of financial transactions through the financial institution's website or mobile app. Since the early 2000s this has become the most common way that customers access their bank accounts. The online banking system will typically connect to or be part of the core banking system operated by a bank to provide customers access to banking services in addition to or in place of historic branch banking.
Mobile bankingMobile banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet. Unlike the related internet banking it uses software, usually called an app, provided by the financial institution for the purpose. Mobile banking is usually available on a 24-hour basis. Some financial institutions have restrictions on which accounts may be accessed through mobile banking, as well as a limit on the amount that can be transacted.
Banking in the United StatesIn the United States, banking had begun by the 1780s, along with the country's founding. It has developed into a highly influential and complex system of banking and financial services. Anchored by New York City and Wall Street, it is centered on various financial services, such as private banking, asset management, and deposit security. The beginnings of the banking industry can be traced to 1780 when the Bank of Pennsylvania was founded to fund the American Revolutionary War.
LausanneLausanne (loʊˈzæn , USalsoloʊˈzɑːn , lɔzan; Losena lɔˈzəna) is the capital and largest city of the Swiss French-speaking canton of Vaud. It is a hilly city situated on the shores of Lake Geneva, about halfway between the Jura Mountains and the Alps, and facing the French town of Évian-les-Bains across the lake. Lausanne is located northeast of Geneva, the nearest major city. The municipality of Lausanne has a population of about 140,000, making it the fourth largest city in Switzerland after Basel, Geneva, and Zurich, with the entire agglomeration area having about 420,000 inhabitants (as of January 2019).
Lausanne DistrictLausanne District (District de Lausanne) is a district in the canton of Vaud, Switzerland. The seat of the district is the city of Lausanne. Lausanne has an area, , of . Of this area, or 27.3% is used for agricultural purposes, while or 30.9% is forested. Of the rest of the land, or 41.6% is settled (buildings or roads) and or 0.1% is unproductive land. Lausanne has a population () of . Most of the population () speaks French (159,559 or 79.6%), with German being second most common (8,534 or 4.
Romanel-sur-LausanneRomanel-sur-Lausanne (ʁɔmanɛl syʁ lɔzan, literally Romanel on Lausanne; Romanél) is a municipality in the canton of Vaud in Switzerland, located in the district of Lausanne. Romanel-sur-Lausanne is first mentioned in 1184 as Romanes. Romanel-sur-Lausanne has an area, , of (depending on calculation method). Of this area, or 59.7% is used for agricultural purposes, while or 3.8% is forested. Of the rest of the land, or 37.8% is settled (buildings or roads). Of the built up area, industrial buildings made up 5.
Cheseaux-sur-LausanneCheseaux-sur-Lausanne (ʃəzo syʁ lɔzan, literally Cheseaux on Lausanne; Chesâls) is a municipality in the district of Lausanne in the canton of Vaud in Switzerland. It is a suburb of the city of Lausanne. Cheseaux-sur-Lausanne is first mentioned in 1228 as Chesaus. Cheseaux-sur-Lausanne has an area, , of . Of this area, or 60.3% is used for agricultural purposes, while or 14.6% is forested. Of the rest of the land, or 24.0% is settled (buildings or roads), or 0.7% is either rivers or lakes.
Belmont-sur-LausanneBelmont-sur-Lausanne (bɛlmɔ̃ syʁ lɔzan, literally Belmont on Lausanne) is a municipality in the district of Lavaux-Oron in the canton of Vaud in Switzerland. It is a suburb of the city of Lausanne. Belmont-sur-Lausanne is first mentioned in 1228 as Belmunt sowie apud bellum Montem. Belmont-sur-Lausanne has an area, , of . Of this area, or 35.1% is used for agricultural purposes, while or 29.8% is forested. Of the rest of the land, or 33.2% is settled (buildings or roads). Of the built up area, housing and buildings made up 23.
