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Housing policy --- Socialism --- Congresses --- Housing policy - Developing countries - Congresses --- Socialism - Developing countries - Congresses

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The vast majority of rental housing around the world is unsubsidized and in private hands. Everywhere there are great needs for safe, decent, and affordable housing at the lowest income levels. A few countries-mostly developed ones-have a sizable social rental sector, yet even here the demand cannot be met and there are often long waiting lists for subsidized housing in the main cities. In most emerging economies, the only affordable rentals available are in the informal sector, with poor housing conditions and little security of tenure.This book is an effort to bring rental housing to the for

Housing policy -- Developing countries. --- Rental housing -- Developing countries. --- Rental housing --- Housing policy --- Business & Economics --- Real Estate, Housing & Land Use --- Housing --- Real estate business --- Rent

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Sociology of environment --- Economic geography --- Developing countries --- Housing --- Housing policy --- Logement --- Politique gouvernementale --- -Housing policy --- -Housing --- Housing and state --- State and housing --- City planning --- Social policy --- Affordable housing --- Homes --- Houses --- Housing needs --- Residences --- Slum clearance --- Urban housing --- Dwellings --- Human settlements --- Government policy --- Social aspects --- Housing - Developing countries --- Housing policy - Developing countries

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The growth of urban areas and population in middle and low income countries is a continuing trend. Urbanization expands as rural to urban migration offers better income opportunities in cities. This trend is both a source of development opportunities and challenges for the housing sector. On the one hand, housing is a large and growing market, and on the other, massive slums confirm the poor housing conditions in many developing countries. These adverse conditions mirror inadequate housing policies, inefficient or absent property registration, as well as limits to access to housing finance. Provision of affordable housing is therefore an important topic in the fight against poverty. This book focuses on solutions that improve the enabling environment for the poor in accessing housing finance. It explores how to develop and integrate housing finance into a sustainable financial system for developing countries and offers ways in which low-income families can obtain better access to housing finance. This book provides a conceptual framework for housing finance development and addresses practical solutions in the provision of housing finance and compares different approaches. The global financial crisis which originated in the US sub-prime housing market has not altered the underlying reality of global housing finance: the majority of people in developing countries still do not have access to formal housing finance. Nor has it answered the biggest question: how can they be served in a sustainable way? Connecting this unserved group to appropriate housing finance products through robust financial systems must remain a top policy priority if these nations are to enjoy long term, broad-based economic growth. It is also a great opportunity for new and existing housing finance providers. DAVID PORTEOUS, Director, Bankable Frontier Associates Where property in the form of private homes is secure, people can focus on work rather than protecting their property. One of the major effects of the property rights reform driven by Hernando de Soto in Peru put more children into school. Why? Adults spent less time safeguarding their property and could search for and find better jobs. This enabled them to send their children to school. Houses are also important for those who start up businesses. The most practical source of finance beyond help from family and friends tends to be a mortgage on property. For a mortgage market to develop, banks have to be able to foreclose on property of those who cannot pay back. The obvious attractions of housing policy as a plank of social policy can also lead to policies that backfire, as the recent example of the United States shows. Housing finance is a major component of the fight against poverty. For property to yield all its benefits, institutional reforms are required – chief among them secure property rights for owners and enforceable creditor rights for financiers. Sensible regulations for zoning and construction also help. However, political pressure on banks to ignore the credit risk of home ownership or to cease foreclosures when things go wrong risks undermining sustainable housing finance. MICHAEL KLEIN, Consultant, Former Chief Economist International Finance Corporation (IFC).

Housing -- Developing countries -- Finance. --- Housing policy -- Developing countries. --- Housing --- Low-income housing --- Poor --- Business & Economics --- Economic Theory --- Real Estate, Housing & Land Use --- Finance --- Finance. --- Home finance --- Housing finance --- Macroeconomics. --- Development economics. --- Economics. --- Development Economics. --- Finance, general. --- Macroeconomics/Monetary Economics//Financial Economics. --- Economics --- Funding --- Funds --- Currency question --- Economic development

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BMLIK

Construction industry --- Construction workers --- Housing policy --- Job creation --- 316.334.5 <1-772> --- 331.526 --- 351.778.5 --- 364.22 --- 911.375 <1-773> --- Creating jobs --- Employment creation --- Full employment policies --- Building industry --- Home building industry --- Building --- 331.526 Levels of employment. Employment situation, conditions --- Levels of employment. Employment situation, conditions --- 364.22 Armoede. Financiele problemen. Financiele nood --- Armoede. Financiele problemen. Financiele nood --- 316.334.5 <1-772> Sociologie van het wonen, van de woonomgeving. Sociale ecologie.--Onontwikkelde, onderontwikkelde gebieden --- Sociologie van het wonen, van de woonomgeving. Sociale ecologie.--Onontwikkelde, onderontwikkelde gebieden --- 351.778.5 Ruimtelijke ordening. Volkshuisvesting. Plannen van aanleg. Woningbouw.--Woonhygiene, zie {613.5}; z.o. {?711.6-164} --- Ruimtelijke ordening. Volkshuisvesting. Plannen van aanleg. Woningbouw.--Woonhygiene, zie {613.5}; z.o. {?711.6-164} --- Government policy --- Supply and demand --- Urban settlements (their study and geography). Towns. Cities--Gebieden in ontwikkeling. Ontwikkelingslanden --- Employees --- Environmental planning --- Social problems --- Third World: economic development problems --- tewerkstelling --- Developing countries: economic development problems --- Housing policy - Developing countries. --- Job creation - Developing countries. --- Construction industry - Government policy - Developing countries. --- Construction workers - Supply and demand - Developing countries.