Informal builders provide the bulk of affordable housing and define large areas of our cities. Originally created for those long considered as poor and unable to house themselves, over time the resultant informal housing generally matches higher income standards. This incremental process has been adopted by governments into programmes called 'site and services', focusing on housing and land development, and embracing process as the key. A methodology to capture this process has been developed which offers a base for developing effective policies in supporting the incremental builders.
This report provides a comprehensive review of the challenges for low and moderate income housing. It focuses on the issues of affordability, accessibility and sustainability in resolving the housing problem. It looks at both formal and informal instruments and how experiences in developed countries and instruments in addressing middle income households can help inspire solutions for low and moderate income housing.
This report examines the nature and scope of the housing problem, the housing sector and the financial sector in Indonesia. It describes the structure, patterns, trends, characteristics and evolution of housing finance. It reviews the main players of the housing finance system and driving forces for the change. It examines the strategies and instruments for mobilising domestic resources and the sources and volume of housing finance.
This report examines the nature and scope of the housing problem in Peru. It reviews the evolution of the housing finance systems and main players of the housing finance system and driving forces for the change. It introduces mortgage finance development for medium and low income households with two case studies: Fondo and Creditos MIVIVIENDA.