Incremental Housing – The new site & services - Reinhard Goethert, Massachusetts Institute of Technology

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.

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Housing for All The Challenges
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Number of pages
104
Publication date
2008
Publisher
UN-Habitat

Housing for All: The Challenges of Affordability,Accessibility and Sustainability

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.

The report examines a whole range of major instruments and experiences across the developing and developed worlds. It will provide inspirations for governments, local authorities, partners, private sectors and civil society in their pursuit of innovative instruments to meet the challenges of affordability, accessibility and sustainability in realising the vision of “adequate shelter for all”.

 

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Housing-Finance-Mechanisms-in-
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Number of pages
76
Publication date
2008
Publisher
UN-Habitat

Housing Finance Mechanisms in Indonesia

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.

It looks at the structure of mortgage industry and factors constraining the development of housing finance mechanism. It also describes the major low income housing finance programs and initiatives and housing finance subsidies programs in Indonesia. Finally it looks at the alternatives for developing housing mechanisms in Indonesia.

 

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Housing-Finance-Mechanisms-in-
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Number of pages
50
Publication date
2008
Publisher
UN-Habitat

Housing Finance Mechanisms in Peru

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.

It examines the residential mortgage market and its segments and constraints. It looks at factors constraining the development of housing finance mechanism and policies and strategies to overcome the bottlenecks for housing finance. It looks at the role of direct subsidies and other initiatives for low income households. Finally it looks at the alternatives for developing housing mechanisms in Peru, with focus on the development of a secondary mortgage market.