Overview

This second stage evaluation focuses on three issues: 1) Change in family circumstances. Changes in family composition, employment characteristics, income and cost patterns are all analysed. 2) Management of the costs of home ownership. The Capil proposals are evaluated as to the impact on families of coping with a mortgage as well as the extra costs of home ownership, such as rates, insurance, repairs and maintenance. 3) Level of satisfaction with home ownership and the Capil instrument. The next phase of the evaluation will take place in 1989. By this time most families will have been in their homes for 5 years and a further assessment of many factors will be possible.   

Table of Contents

INTRODUCTION and SUMMARY OF OUTCOMES - P.Napper, F. Maas and T. Barton
• Introduction
• The Capil Loan
• Capil Loan Sample (Second Evaluation Report)
• Exits (families who sold their Capil home and 'exited' from the scheme)
• Control Group Sample (Second Evaluation Report)
• Issues for the Second Report
• HOME OWNERSHIP FOR LOW INCOME FAMILIES
  • Summary of Outcomes
  • Change in Family Composition, Employment and Income
  • Housing Repayments and Costs
  • Coping Financially as a Capil Pilot Family
  • Determinants of Housing Satisfaction Among Capil Families
  • Repairs, Renovations and Home Improvements among Capil Respondents
  • Respondents' Perceptions of the Capil Loan Scheme
  • Assessments of Advantages and Disadvantages of Home Ownership
• FAMILY STATUS, EMPLOYMENT AND INCOMES - A. Burbidge, F. Maas and P. McDonald
  • Introduction
  • Family Status at the Second Wave
  • Changes in Family Status Between Waves 1 and 2
  • Other Changes in Family Composition
  • Employment
  • Employment Preferences
  • Incomes
  • Changes in 'Real' Income
  • Income Changes in Relation to Average Weekly Earnings (AWE)
  • Income Changes According to Birthplace
  • Income Changes and Family Type
  • Income Change, Employment Status and Family Type
  • Summary
• EXAMINING HOUSING REPAYMENTS & COSTS UNDER THE CAPIL SCHEME - T. Barton
  • Introduction
  • Mortgage Repayments
  • Average Weekly Family Income Levels
  • Changes in Family Incomes and Impact on Mortgage Repayments
  • Comparison of Housing Costs: Capil and Renter Groups
  • Disposable Income After Housing Costs
  • Summary and Conclusions
• COPING FINANCIALLY AS A CAPIL FAMILY - F. Maas
  • Experience of Financial Difficulties
  • Financial Difficulties and Change in Income
  • Families with Arrears Agreements
  • coping With Mortgage Repayments
  • Families Financial Situation at Time of Wave 2 Interview
  • Financial Situation According to Place of Birth
  • Better Or Worse Off Than A Year Ago?
  • Perceived change in Financial Position and Changed
  • Perceived Change in Financial Position and Change in Income
  • Perceived Change in Financial Position and Proportion of Income Devoted to Mortgage
  • Better Or Worse Off In The Year To Come?
  • Summary
• DETERMINANTS OF HOUSING SATISFACTION AMONG CAPIL RESPONDENTS - M. Wulff
  • Introduction:
  • Housing Satisfaction at Wave 2: Comparing the Capil Loan Group withPrivate and Public Renters
  • The Impact of Ethnicity on Housing Satisfaction
  • Average Declines in Satisfaction Levels, Wave 1 to Wave 2
  • Determinants of Housing Satisfaction
  • Explaining Housing Satisfaction
  • Explaining Explaining Satisfaction with Housing Costs
  • Summary and Conclusions
• REPAIRS, RENOVATIONS & HOME IMPROVEMENTS AMONG CAPIL FAMILIES - M. Wulff
  • Home Repairers and Improvers
  • Types of Repairs and Improvements
  • Level of Expenditure on Repairs
  • Sources of Finance for Repairs and Improvements
  • Looking Back: Home Repairers and Improvers Since Entry into Capil Home
  • Summary and Conclusions
• RESPONDENTS' PERCEPTIONS OF THE CAPIL LOAN SCHEME - M. Wulff
  • Implications of Lack of Understanding of the Capil Scheme
  • What the capii families say about the scheme
  • Do families see Capil as a worthwhile investment?
  • Mortgage Repayments and Perceiving Capil as Worthwhile Investment
  • Location and Capil as a Worthwhile Investment
  • Summary and Conclusions
• CAPIL HOME OWNERSHIP - P. Napper
  • General Satisfaction With Capil Itself
  • Capil and disadvantages of home ownership
• CONCLUDING COMMENTS - F. Maas