<?xml version="1.0" encoding="UTF-8"?><marc:collection xmlns:marc="http://www.loc.gov/MARC21/slim">
  <marc:record>
    <marc:leader>00000nam  2200000za 4500</marc:leader>
    <marc:controlfield tag="001">9.855776</marc:controlfield>
    <marc:controlfield tag="003">CaOODSP</marc:controlfield>
    <marc:controlfield tag="005">20221107155400</marc:controlfield>
    <marc:controlfield tag="007">cr |||||||||||</marc:controlfield>
    <marc:controlfield tag="008">180425s1998    snc    #o    f000 0 eng d</marc:controlfield>
    <marc:datafield tag="040" ind1=" " ind2=" ">
      <marc:subfield code="a">CaOODSP</marc:subfield>
      <marc:subfield code="b">eng</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="043" ind1=" " ind2=" ">
      <marc:subfield code="a">n-cn-sn</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="086" ind1="1" ind2=" ">
      <marc:subfield code="a">NH17-222/1998E-PDF</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="245" ind1="0" ind2="0">
      <marc:subfield code="a">New Beginnings Housing Cooperative </marc:subfield>
      <marc:subfield code="h">[electronic resource] : </marc:subfield>
      <marc:subfield code="b">home ownership made easier : documentation and analysis / </marc:subfield>
      <marc:subfield code="c">submitted to: Homegrown Solutions ; submitted by: the New Beginnings Housing Cooperative.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="246" ind1="1" ind2="0">
      <marc:subfield code="a">Home ownership made easier</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="260" ind1=" " ind2=" ">
      <marc:subfield code="a">Prince Albert, Saskatchewan : </marc:subfield>
      <marc:subfield code="b">Canada Mortgage and Housing Corporation, </marc:subfield>
      <marc:subfield code="c">1998.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="300" ind1=" " ind2=" ">
      <marc:subfield code="a">ii, 11, [1] p.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">"March 1998."</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">Issued also in French under title: La coopérative d'habitation New Beginnings : home ownership made easier : Prince Albert (Saskatchewan).</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="500" ind1=" " ind2=" ">
      <marc:subfield code="a">Digitized edition from print [produced by Canada Mortgage and Housing Corporation].</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="520" ind1=" " ind2=" ">
      <marc:subfield code="a">"This is an initiative which allows low-income households to own their own homes at costs below that of renting. Benefiting from the relatively lower price of housing in Prince Albert, the initiative has developed a program Home Ownership Made Easier (HOME) to acquire and renovate existing homes. An advisory group of community partners helped low-income households form a cooperative which oversees the purchase and renovation of the homes and holds the mortgage until it is repaid over a 10-year period. At this point, the occupant receives title. The cooperative members participate in providing sweat equity toward the down payment. The province and city have also provided some financial assistance to help meet the down payment"--Project highlights, executive summary.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="692" ind1="0" ind2="7">
      <marc:subfield code="2">gccst</marc:subfield>
      <marc:subfield code="a">Home renovations</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="692" ind1="0" ind2="7">
      <marc:subfield code="2">gccst</marc:subfield>
      <marc:subfield code="a">Cooperatives</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="692" ind1="0" ind2="7">
      <marc:subfield code="2">gccst</marc:subfield>
      <marc:subfield code="a">Subsidized housing</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="710" ind1="2" ind2=" ">
      <marc:subfield code="a">Homegrown Solutions (Program)</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="710" ind1="2" ind2=" ">
      <marc:subfield code="a">New Beginnings Housing Cooperative.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="710" ind1="2" ind2=" ">
      <marc:subfield code="a">Canada Mortgage and Housing Corporation.</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="775" ind1="0" ind2="8">
      <marc:subfield code="t">La coopérative d'habitation New Beginnings </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.864014</marc:subfield>
    </marc:datafield>
    <marc:datafield tag="856" ind1="4" ind2="0">
      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">618 KB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2018/schl-cmhc/nh17/NH17-222-1998-eng.pdf</marc:subfield>
    </marc:datafield>
  </marc:record>
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