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Norwegian State Housing Bank
The Norwegian State Housing Bank ( no, Husbanken) is a Norwegian Government agency responsible for the housing politics in Norway. The main tool for the bank is mortgages in newly constructed houses. About half of all houses after World War II in Norway have been financed by the Housing Bank. The agency is based in Drammen Drammen () is a city and municipality in Viken, Norway. The port and river city of Drammen is centrally located in the south-eastern and most populated part of Norway. Drammen municipality also includes smaller towns and villages such as Konne ... and was created by a 1946 law. Total assets were NOK 102 billion in 2002. As such, it is one of the largest banks of Norway. The bank has three distinct goals: # Stimulation to achieve a well functioning housing market. # Provision of housing for groups that are disadvantaged on the housing market. # Increase the number of environmentally friendly and universally designed dwellings and residential areas. Ref ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Etat
(pl. ) is a Norwegian state, county or municipal agency. An is a subdivision of the administration which has been given responsibility for a special area. An agency does not have a board of directors, but it does have a director, appointed by the subordinate organization. Normally decisions made by the agency can be appealed to the higher body. State agencies are subordinate to one particular ministry, and appeals are made to the Minister. As part of the parliamentary oversight and supervisory activities, Parliament has four independent agencies: the Auditor General of Norway, the Parliamentary Commissioner for the Armed Forces, the Parliamentary Ombudsman (for Public Affairs), and the Parliamentary Intelligence Oversight Committee. Government agencies are often given names ending in ''directorate'', ''inspectorate'', ''administration'' () or ''authority''. Among the organisations organised as agencies are the universities and colleges. All government agencies are audited by ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
World War II
World War II or the Second World War, often abbreviated as WWII or WW2, was a world war that lasted from 1939 to 1945. It involved the vast majority of the world's countries—including all of the great powers—forming two opposing military alliances: the Allies and the Axis powers. World War II was a total war that directly involved more than 100 million personnel from more than 30 countries. The major participants in the war threw their entire economic, industrial, and scientific capabilities behind the war effort, blurring the distinction between civilian and military resources. Aircraft played a major role in the conflict, enabling the strategic bombing of population centres and deploying the only two nuclear weapons ever used in war. World War II was by far the deadliest conflict in human history; it resulted in 70 to 85 million fatalities, mostly among civilians. Tens of millions died due to genocides (including the Holocaust), starvation, ma ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Banks Of Norway
A 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. Because 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. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, the Basel Accords. Banking in its modern sense evolved in the fourteenth century in the prosperous cities of Renaissance Italy but in many ways functioned as a continuation of ideas and concepts of credit and lending that had their roots in the anc ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Government Agencies Of Norway
A government is the system or group of people governing an organized community, generally a state. In the case of its broad associative definition, government normally consists of legislature, executive, and judiciary. Government is a means by which organizational policies are enforced, as well as a mechanism for determining policy. In many countries, the government has a kind of constitution, a statement of its governing principles and philosophy. While all types of organizations have governance, the term ''government'' is often used more specifically to refer to the approximately 200 independent national governments and subsidiary organizations. The major types of political systems in the modern era are democracies, monarchies, and authoritarian and totalitarian regimes. Historically prevalent forms of government include monarchy, aristocracy, timocracy, oligarchy, democracy, theocracy, and tyranny. These forms are not always mutually exclusive, and mixed govern ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Universal Design
Universal design is the design of buildings, products or environments to make them accessible to people, regardless of age, disability or other factors. It addresses common barriers to participation by creating things that can be used by the maximum number of people possible. Curb cuts or sidewalk ramps, which are essential for people in wheelchairs but also used by all, are a common example of universal design. The term ''universal design'' was coined by the architect Ronald Mace to describe the concept of designing all products and the built environment to be aesthetic and usable to the greatest extent possible by everyone, regardless of their age, ability, or status in life. However, due to some people having unusual or conflicting access needs, such as a person with low vision needing bright light and a person with photophobia needing dim light, universal design does not address absolutely every need for every person in every situation. Universal design emerged from sli ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Environmentalism
Environmentalism or environmental rights is a broad philosophy, ideology, and social movement regarding concerns for environmental protection and improvement of the health of the environment, particularly as the measure for this health seeks to incorporate the impact of changes to the environment on humans, animals, plants and non-living matter. While environmentalism focuses more on the environmental and nature-related aspects of green ideology and politics, ecologism combines the ideology of social ecology and environmentalism. ''Ecologism'' is more commonly used in continental European languages, while ''environmentalism'' is more commonly used in English but the words have slightly different connotations. Environmentalism advocates the preservation, restoration and improvement of the natural environment and critical earth system elements or processes such as the climate, and may be referred to as a movement to control pollution or protect plant and animal diversity. Fo ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Real Estate Economics
Real estate economics is the application of economic techniques to real estate markets. It tries to describe, explain, and predict patterns of prices, supply, and demand. The closely related field of housing economics is narrower in scope, concentrating on residential real estate markets, while the research on real estate trends focuses on the business and structural changes affecting the industry. Both draw on partial equilibrium analysis (supply and demand), urban economics, spatial economics, basic and extensive research, surveys, and finance. Overview of real estate markets The main participants in real estate markets are: * Users: These people are both owners and tenants. They purchase houses or commercial property as an investment and also to live in or utilize as a business. Businesses may or may not require buildings to use land. The land can be used in other ways, such as for agriculture, forestry or mining. * Owners: These people are pure investors. They do not occu ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Norwegian Krone
The krone (, abbreviation: kr (also NKr for distinction); code: NOK), plural ''kroner'', is currency of the Kingdom of Norway (including Svalbard). Traditionally known as the Norwegian crown in English. It is nominally subdivided into 100 ''øre'', although the last coins denominated in øre were withdrawn in 2012. The krone was the thirteenth-most-traded currency in the world by value in April 2010, down three positions from 2007. The Norwegian krone is also informally accepted in many shops in Sweden and Finland that are close to the Norwegian border, and also in some shops in the Danish ferry ports of Hirtshals and Frederikshavn. Norwegians spent 14.1 billion NOK on border shopping in 2015 compared to 10.5 billion NOK spent in 2010. Border shopping is a fairly common practice amongst Norwegians, though it is seldom done on impulse. Money is spent mainly on food articles, alcohol, and tobacco, in that order, usually in bulk or large quantities. This is due to considerably ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mortgages
A mortgage loan or simply mortgage (), 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. This means that a legal mechanism is put into place which allows the lender to take possession and sell the secured property ("foreclosure" or " repossession") to pay off the loan in the event the borrower defaults on the loan or otherwise fails to abide by its terms. The word ''mortgage'' is derived from a Law French term used in Britain in the Middle Ages meaning "death pledge" and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure. A mortgage can also be described as "a borrower giving consideration in the form ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Drammen
Drammen () is a city and municipality in Viken (county), Viken, Norway. The port and river city of Drammen is centrally located in the south-eastern and most populated part of Norway. Drammen municipality also includes smaller towns and villages such as Konnerud, Svelvik, Mjøndalen and Skoger. Location Drammen is located west of the Oslofjord and is situated approximately 44 km South-west of Oslo. There are more than 101 000 inhabitants in the municipality, but the city is the regional capital of an area with 82 000 inhabitants. Drammen and the surrounding communities are growing more than ever before. The city makes good use of the river and inland waterway called Drammensfjord, both for recreation, activities and housing. Name and coat of arms The Old Norse form of the city's name was ''Drafn'', and this was originally the name of the inner part of Drammensfjord. The fjord is, however, probably named after the river Drammenselva (Norse ''Drǫfn''), and this again is der ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
House
A house is a single-unit residential building. It may range in complexity from a rudimentary hut to a complex structure of wood, masonry, concrete or other material, outfitted with plumbing, electrical, and heating, ventilation, and air conditioning systems.Schoenauer, Norbert (2000). ''6,000 Years of Housing'' (rev. ed.) (New York: W.W. Norton & Company). Houses use a range of different roofing systems to keep precipitation such as rain from getting into the dwelling space. Houses may have doors or locks to secure the dwelling space and protect its inhabitants and contents from burglars or other trespassers. Most conventional modern houses in Western cultures will contain one or more bedrooms and bathrooms, a kitchen or cooking area, and a living room. A house may have a separate dining room, or the eating area may be integrated into another room. Some large houses in North America have a recreation room. In traditional agriculture-oriented societies, domestic animals such ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Etat
(pl. ) is a Norwegian state, county or municipal agency. An is a subdivision of the administration which has been given responsibility for a special area. An agency does not have a board of directors, but it does have a director, appointed by the subordinate organization. Normally decisions made by the agency can be appealed to the higher body. State agencies are subordinate to one particular ministry, and appeals are made to the Minister. As part of the parliamentary oversight and supervisory activities, Parliament has four independent agencies: the Auditor General of Norway, the Parliamentary Commissioner for the Armed Forces, the Parliamentary Ombudsman (for Public Affairs), and the Parliamentary Intelligence Oversight Committee. Government agencies are often given names ending in ''directorate'', ''inspectorate'', ''administration'' () or ''authority''. Among the organisations organised as agencies are the universities and colleges. All government agencies are audited by ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
