Download
DefisdesFinances
Share
Number of pages
55
Publication date
2015
Publisher
UN-Habitat

Défis des finances publiques locales en Afrique

Le présent rapport examine les défis fondamentaux à relever dans le financement desadministrations publiques locales, les principales sources de recettes des collectivitéslocales et l’expérience acquise dans la fourniture de services durables. Il étudie égalementles systèmes et pratiques innovantes de gestion financière appliqués en Afrique.Cette analyse est complétée par une étude de cas consacrée à la ville de Gaborone(Botswana). Enfin, nous proposons certaines pistes pour l’amélioration des financeslocales sur le continent africain.

Download
Housing-Finance-Mechanisms-in-
Share
Number of pages
94
Publication date
2009
Publisher
UN-Habitat

Housing Finance Mechanisms in the Republic of Korea

This publication is an evaluation housing finance mechanisms in Republic of Korea. It details Republic of Korea’s experience with this type of financing and may provide other countries with insights that could inform their efforts to promote effective housing and housing finance systems. 

 

Download
Challenges-of-Municipal-Financ
Share
Number of pages
54
Publication date
2010
Publisher
UN-Habitat

Challenges of Municipal Finance in Africa; with special reference to Gaborone city, Botswana

Urbanization in the last 20 years has become one of the most important trends in human settlement development and the prospects of all developing countries continue to be deeply affected by rapid urban population growth.

While Africa was 80% rural in the 1950s and 1960s, its rate of urbanization now stands on average at 50% and the trend is expected to continue over the coming years (UN-HABITAT, 1996).

 

Download
Housing-Finance-Mechanisms-in-
Share
Number of pages
50
Publication date
2010
Publisher
UN-Habitat

Housing Finance Mechanisms in Brazil

The real estate credit system used in Brazil for residential housing (known as the Housing Finance System-SFH), was created in 1964. Previously, there was no organized system for housing financing in Brazil.

Its structure has changed since then (1964-2009), on matters of formal guarantees, limits and definition of the adjustment of payments.

 

 

Download
Housing-as-a-Strategy-for-Pove
Share
Number of pages
40
Publication date
2010
Publisher
UN-Habitat

Housing as a Strategy for Poverty Reduction in Ghana

The need to provide adequate, suitable and equitable housing has remained a major priority of every government. Even though housing is a basic necessity of life, more than half of the population in Ghana live in poor houses where they have no access to adequate sanitary facilities, water and warmth to meet their daily physical needs.

 

Download
Housing Finance Mechanisms in
Share
Number of pages
89
Publication date
2011
Publisher
UN-Habitat

Housing Finance Mechanisms in Mexico

This report examines the housing finance system in Mexico. It reviews the nature and scope of the housing problem, the housing standards, the housing market, the housing finance sector, the mortgage system and the capital market. It examines the role of the state in housing development. It finally discusses the lessons from the Mexican housing finance experience and provides recommendations.

Download
Housing-Finance-Mechanisms-in-
Share
Number of pages
105
Publication date
2009
Publisher
UN-Habitat

Housing Finance Mechanisms in Chile

This publication evaluates the housing finance mechanism in Chile, with special attention to the issues of affordability, efficiency, effectiveness, and stability. Over the past three decades, the impact of the Chilean government’s social housing policy on the availability and affordability of housing has been substantial, drastically improving access to low and middle-income level households. During the same period there has been a consolidation of the market economy in the country, accompanied by a deep reform of the financial markets, together with more affordable access to long-term credit by households. All this has resulted in the substantial erosion of the historically large housing deficit.  

A much more dynamic construction sector has contributed - complementing an aggressive social housing policy receiving large fiscal support - to a robust supply of new housing in the marketplace. As reflected in available statistics, gains in income levels, combined with easier family access to reasonably priced housing finance in recent decades, has resulted in much improved living conditions for large segments of the population, benefiting households across the income spectrum. One of the objectives of this report is to share the Chilean experience and some of the lessons learned, particularly those that may be replicable in other countries in the developing world.

Download
Housing-Finance-Mechanisms-in-
Share
Number of pages
102
Publication date
2009
Publisher
UN-Habitat

Housing Finance Mechanisms in Zimbabwe

The report focuses on key aspects and innovative instruments/practices that are specific to Zimbabwe. The report is organized into five chapters. Chapter 1 focuses on the Macro-economic and socio-political context of Zimbabwe. Chapter 2 focuses on “The Housing Conditions and Housing Market in Zimbabwe” citing the history and development of the housing finance system in Zimbabwe in the pre- and post independence eras. This chapter provides an overview of the trends in housing as well as highlighting those mechanisms that achieved the best results and which may need revisiting.  

Chapter 3, “Structure, Patterns, Trends Characteristics and Instruments of Housing Finance” reviews the technical aspects relating to housing finance in Zimbabwe. The chapter presents a review of existing sources of finance and their relative successes in providing housing for the home seeker. Chapter 4 outlines and evaluates the existing credit mechanisms against the background of the prevailing macroeconomic conditions in Zimbabwe.

The last chapter outlines the constraints on housing finance and how these can be overcome in the short term and long-term. The report makes recommendations, which involve communities in housing delivery with a firm foundation in the housing cooperative movement and which has achieved a substantial amount of success in Zimbabwe. The report also recommends the active participation of civil society organisations as they have also demonstrated a capacity to employ participatory and rights-based approaches in housing delivery.

Download
Housing-Finance-Mechanisms-in-
Share
Number of pages
61
Publication date
2008
Publisher
UN-Habitat

Housing Finance Mechanisms in India

India is home to over 1.1 billion people. With about one in every sixth person in the world living in India, housing perforce assumes significant importance. Successive Indian governments have regarded housing as a primary need of the people. The need to provide affordable housing has been the reason behind State interventions in the sector.

Housing policies, however, tended to be framed by the government from a social rather than economic perspective. Despite explicit recognition of the need for housing, dedicated programmes have only benefited from low public spending. Housing and subsidies have largely synonymous with each other, hence a tendency to view housing finance from the angle of the government’s cash budget, rather than as a developmental activity with tremendous spin-offs to the economy.

 

Download
Manual on the right to water a
Share
Number of pages
224
Publication date
2008
Publisher
UN-Habitat

Manual on the right to water and sanitation

The Manual on the Right to Water and Sanitation is designed to assist policy makers and practitioners in implementing the right to water and sanitation. This publication, written in non-legal language, addresses the vital need to clarify how human rights can be practically realized in the water and sanitation sector.

The Manual recognizes that implementing the right to water and sanitation is not limited to legal recognition or allocation of funds. Rather, it provides the basis for practical reforms in many areas of water supply and sanitation and in water resource management that can help make the water and sanitation sector operate in a manner that is more pro-poor, accountable and inclusive.