DUBLIN, Ireland, Research and Markets
(http://www.

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Some Mortgages Don't Fit All Consumers

com/reports/c14853

Laura Wood
Senior Manager
Research and Markets
press@researchandmarkets.

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You'll learn current issues in consumer attitudes
and behavior toward health and nutrition choices, the trends in consumer
priorities, and most importantly, where shoppers are headed in their thinking
about health and nutrition.researchandmarkets .

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The reports are organized and formatted alike, for easy comparison
between countries by the reader .

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"We want to make sure consumers are well educated about
the mortgage process so they can choose a loan that's right for them.
Today, interest rates remain low, but housing prices are rising faster
than salaries, which has driven the development of products such as adjustable
rate mortgages and low down-payment financing that help keep payments
reasonable, and expand homeownership opportunities to more consumers.com/reports/c14853) has announced the addition
of 2004 Market Guide To Oceania: Attitudes and Actions Towards Health and
Nutrition Choices to their offering.

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aba. Some
international data compares the countries within that region to each other.

Topics covered include:

-- Commitment to Being Health Active
-- Healthiness of Diet
-- Drivers of Healthy Eating
-- Health and Weight Management
-- Benefits of Eating Healthy
-- Food Choices
-- Nutritional Knowledge
-- Package Labeling and New Brand Influences
-- Food Processing Issues/Organic Products
-- Meal Preparation and Shopping Occasions
-- Motivational Segments and Benefit Platforms
-- Demographic Data Tables
-- Questionnaire with 2003 Total Percent

For more information visit
http://www.

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According to the U.

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Each report contains detailed data on shoppers' attitudes and behavior
toward health and nutrition choices, their dietary priorities, motivations,
health concerns and problems, nutrition awareness and more.

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Over the years, bankers have developed mortgage products that evolve with
the economy and consumer demands. For example, getting into a home in the
1970s was difficult due to double-digit interest rates, so banks created
financing options to overcome the hurdles.S .
Additionally, about half of African Americans and Latinos believe to buy a
home they must have almost perfect credit, have held the same job for at least
3 years, and have a 20 percent down payment .researchandmarkets.

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com, click on Press Room and visit our Mortgage Lending Issue
of Interest page . Each report
contains detailed information on the consumer market for health and nutrition
in Australia and Indonesia.

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"Buying a home is an individual's biggest financial investment," said
James Ballentine, director, Grassroots and Community Outreach for the American
Bankers Association . The report gives you never before available hard
data on consumer's choices, together with the insights and understandings
necessary for good planning and decision-making.

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"
Expanding upon that idea , the ABA is providing information on the mortgage
process -- including information on the role credit scores play in loan
decisions, tips on choosing a mortgage, when to take out a home equity loan,
and how to avoid predatory lending scams -- in June, National Homeownership
Month.

Research and Markets: Learn Current Issues in Consumer Attitudes and Behaviour Towards Health and Nutrition Choices in Oceania

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The American Bankers Association, on behalf of the more than two million
men and women who work in the nation's banks, brings together all categories
of banking institutions to best represent the interests of this rapidly
changing industry. Its membership -- which includes community, regional and
money center banks and holding companies, as well as savings associations ,
trust companies and savings banks -- makes ABA the largest banking trade
association in the country .

The 2004 Market Guide to Oceania includes two reports. This report can
teach you effective ways to position products and communications.

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Despite these innovations, homeownership in minority communities still
lags.
To view ABA's tip sheets developed for Homeownership Month visit
http://www.newscom.com/cgi-bin/prnh/20040820/RESEARCH )
The 2004 Market Guide to Oceania is mandatory reading for marketers
targeting Oceania shoppers.

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One of the reasons for this disparity , according to
Freddie Mac research, is that misconceptions remain about buying a home.com
Fax: +353 1 4100 980

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(Logo: http://www.
Each report profiles shoppers in their respective country: all shoppers,
men and women, age groups, income groups, and other consumer subgroups.

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The Australia report contains trend data for 2000
and 2003.

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demographic traces

WASHINGTON, A hot real estate market has prompted
record home equity borrowing and growth in adjustable rate mortgages and
interest-only loans, but bankers say these products aren't for everyone.

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advantage households

Census Bureau, homeownership rates for African
American and Latino households are 25 percent lower than the rates for non-
minority households.