XVII European Congress of the EFBS – Joint Congress of EFBS and IUHF in Vienna from 5 to 7 June 2013

“Sound Housing Finance around the World”


Thursday 6 June 2013

Session 1: Lessons from the crisis – detecting house price bubbles
Emile J. Brinkmann, Chief Economist and Senior Vice President, Mortgage Bankers Association, USA: Housing price bubbles – detection and prevention
Masahiro Kobayashi, Chief Economist, Japan Housing Finance Agency, Japan:
Housing bubble and macro-prudential supervision – A case study from Japan in 1980’s and 90’s
Matthias Holzhey, UBS, Switzerland: Detecting house price bubbles – UBS Swiss Real Estate Bubble Index

Session 2: Lessons from the crisis – building sustainable housing finance systems.  Access to finance – expansion to underserved markets
Natalya Koltsova, Management Board Member, Agency for Housing Mortgage Lending (AHML), Russian Federation:
AHML’s role in housing market development and providing housing to low-income families in Russia
Jorge Yarza Garrido, President, UNIAPRAVI, Mexico: Housing finance in Latin America
Harshil Mehta (India): Enabling access to home loans to low income segment

Session 3: Marketing – customer confidence and sales approaches
Filipe F. Pontual, Executive Director, Association of Mortgage and Building Saving Institutes of Brazil (ABECIP), Brazil: Real estate credit in Brazil
Josef Schmidinger, Chairman of the Board of Directors, S-Bausparkasse Austria: Housing and bausparen in Austria

Session 4: Regulation – Basel III and consumer protection
Lynda Blackwell, Mortgage Policy Manager, Financial Conduct Authority, United Kingdom:
Comments on the new requirements of financial institutions and consumer protection
Colin Chimutsa (Zimbabwe): Stability vs. access? BASEL III in Southern Africa
Nicolas Nkosi,  Director, Standard Bank, South Africa: Impact of Basel III on low income housing
Mieczysław Groszek, Vice President of the Polish Bank Association, Poland: Housing finance market in Poland – Regulations & initiatives


Friday, 7 June 2013

Session 5: Lessons from the crisis – building sustainable housing finance systems
Chee Leon Chung, CEO, Cagamas Berhad, Malaysia: Building sustainable housing fnance systems – Malaysian experience
Carlos J. Garcia, Professor of Economics, ILADES University Alberto Hurtado, Chile: Housing finance, credit and business cycle in Chile
Klaus Oskar Schmidt, Member of the Board of Directors, Bausparkasse Schwäbisch Hall, Germany:
Housing finance in Germany – Stability throughout the crisis – What are the reasons?

Session 6: Final report and official conclusion of the congress
Peter Williams (UK): The future of housing finance – lessons from the UK?
Michael Spindelegger, Vice Chancellor and Minister for European and International Affairs of the Federal Republic of Austria: Keynote speech