"The recent strengthening in house price is increasing the amount of equity that many homeowners have in their home.
Although regulators are pushing for higher capital ratios, this can be achieved either by increasing the amount of equity in a bank or by cutting its lending.
But banks are not lending as much as they did five years ago, increasing the amount of equity that firms are having to stump up (see chart 3).
The Treasury Department also increased the amount of equity the government would provide for the public-private financing package, to as much as $100 billion, up from some earlier estimates of as low as $50 billion.
Mr. Herrick said that in the last six months while lenders had increased the amount of equity required of hotel and office developers to 30 to 50percentt from 20 to 30percentthethe 20 to 25percentt required of rental builders had remained unchanged.
The recent strengthening in house prices is increasing the amount of equity that many homeowners have in their home, enabling more to put their property on the market for sale.
Figures out today from the Bank of England show that households, on average, increased the amount of equity in their homes by £8.8bn in the first quarter of 2013.
"The recent strengthening in house prices is increasing the amount of equity that many homeowners have in their home, enabling more to put their property on the market for sale," said Martin Ellis, housing economist at the Halifax.
Based on examination of variation of practice patterns in the Dartmouth Atlas, John Wennberg, M.D. has suggested three general approaches to reduce inappropriate variation and increase the equity of medical care: increase the amount of effective care, reduce supply sensitive care and increase preference sensitive care [ 32].
Increase the amount of wind-breaks.
