Publication:
Housing Finance: World Bank Group Support for Housing Finance

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dc.contributor.authorIndependent Evaluation Group
dc.date.accessioned2016-05-26T21:25:29Z
dc.date.available2016-05-26T21:25:29Z
dc.date.issued2016-04-20
dc.description.abstractAccess to adequate housing is critically important to the health and wellbeing of the world’s population. Yet, despite the fact that this statement is part of the United Nations Universal Declaration of Human Rights and has been on the global policy agenda for many years, hundreds of millions of people continue to live in inadequate conditions with little or no access to decent housing. The demand for housing solutions will increase as urbanization and population growth persists. The United Nations Human Settlements Program (UN-Habitat) has estimated that the number of people living in slums around the world will rise to 900 million by 2020 if nothing is done. Asia and Africa will face special challenges, because urbanization in those regions is proceeding rapidly. Housing is frequently unaffordable to all but the top earners. A recent report estimates a housing affordability gap affecting 330 million households, with 200 million households in the developing world living in slums (McKinsey Global Institute 2014). Research has shown that more and better housing increases the welfare of occupants. Homeownership may increase stability and civic engagement, and provide financial security in old age. Improvements in housing also have important benefits to the economy. Housing construction and home improvement generate demand for professional, skilled, semi-skilled, and unskilled labor; and allow many micro and small businesses to flourish. The housing market is an important component of national economies and housing booms and busts can have significant effects on the macro economy and financial sector. The core purpose of this learning product is to generate knowledge and provide lessons learned from World Bank Group support to housing finance. Lessons were derived primarily from evaluated interventions in the form of World Bank loans or International Finance Corporation (IFC) investments and advisory services. World Bank technical assistance and knowledge products and interventions on housing finance matters were considered when provided in the context of lending operations. One limitation faced in preparation of this learning product was the lack of coverage of stand-alone World Bank advisory services.en
dc.identifierhttp://documents.worldbank.org/curated/en/2016/05/26378454/world-bank-group-support-housing-finance-ieg-learning-product
dc.identifier.urihttps://hdl.handle.net/10986/24359
dc.languageEnglish
dc.language.isoen_US
dc.publisherWorld Bank, Washington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectBORROWER
dc.subjectMORTGAGE FINANCING
dc.subjectDEPOSITS
dc.subjectFINANCING
dc.subjectMORTGAGE DEBT
dc.subjectINTEREST
dc.subjectINSTITUTIONAL INVESTORS
dc.subjectLOAN UNDERWRITING
dc.subjectCREDIT SCORING
dc.subjectSUBSIDIZATION
dc.subjectCAPACITY BUILDING
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectBORROWERS
dc.subjectINFORMATION SYSTEMS
dc.subjectMFIS
dc.subjectFUNDING SOURCES
dc.subjectALTERNATIVE SOURCES OF FUNDING
dc.subjectCREDIT CRITERIA
dc.subjectHOUSING LOANS
dc.subjectBACKED SECURITY
dc.subjectLIEN
dc.subjectTECHNICAL ASSISTANCE
dc.subjectHOUSING FINANCE
dc.subjectFINANCIAL INSTITUTION
dc.subjectMARKET DEVELOPMENT
dc.subjectCOMMERCIAL BANK
dc.subjectLOAN PRODUCTS
dc.subjectACCESS TO DEBT FINANCE
dc.subjectBANK LENDERS
dc.subjectDEBT OUTSTANDING
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectPAYMENT
dc.subjectEQUITY PARTICIPATION
dc.subjectCAPITAL MARKET
dc.subjectDEBT
dc.subjectLAND OWNERSHIP
dc.subjectLOAN SIZES
dc.subjectTERM CREDIT
dc.subjectLONG-TERM FUNDING
dc.subjectBANKS
dc.subjectBOND MARKETS
dc.subjectAFFORDABILITY
dc.subjectCAPITAL
dc.subjectMORTGAGE INTEREST
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectMORTGAGE MARKETS
dc.subjectLACK OF ACCESS
dc.subjectACCESS TO FINANCE
dc.subjectBANK
dc.subjectCREDIT PRODUCT
dc.subjectACCESSIBILITY
dc.subjectFINANCIAL SECURITY
dc.subjectCREDIT INFORMATION
dc.subjectDEBT FINANCE
dc.subjectLAND REGISTRATION
dc.subjectLOAN PORTFOLIO
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectDEVELOPMENT COMPANIES
dc.subjectFINANCE COMPANY
dc.subjectEQUITY INVESTMENT
dc.subjectURBAN DEVELOPMENT
dc.subjectNEW MARKETS
dc.subjectAFFORDABLE HOUSING
dc.subjectSECURITIES
dc.subjectRURAL BRANCHES
dc.subjectCREDIT RISK
dc.subjectPROFITABILITY
dc.subjectMICROFINANCE
dc.subjectECONOMIC DEVELOPMENT
dc.subjectBANK LOAN
dc.subjectLOAN OFFICERS
dc.subjectREGISTRATION SYSTEM
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectCOMMERCIAL BANKS
dc.subjectHOUSEHOLDS
dc.subjectMORTGAGE LOANS
dc.subjectLOAN SIZE
dc.subjectFINANCIAL CAPACITY
dc.subjectDEVELOPMENT FINANCE
dc.subjectHOMEOWNERS
dc.subjectMORTGAGE PRODUCTS
dc.subjectFEES
dc.subjectFISCAL DISCIPLINE
dc.subjectHOME IMPROVEMENT
dc.subjectDOWN MARKET
dc.subjectCUSTOMER SERVICES
dc.subjectRESIDENTIAL MORTGAGE
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectDEVELOPMENT BANK
dc.subjectBACKED SECURITIES
dc.subjectINCOME GROUPS
dc.subjectTRANSACTIONS COST
dc.subjectLAND ADMINISTRATION
dc.subjectMFI
dc.subjectADVISORY SERVICES
dc.subjectDEPOSIT
dc.subjectCAPITAL MARKETS
dc.subjectLOAN TERM
dc.subjectPRIVATE SECTOR LENDERS
dc.subjectLAND ISSUES
dc.subjectPEOPLE
dc.subjectTAX EXEMPTION
dc.subjectAFFORDABLE HOUSING FINANCE
dc.subjectPUBLIC-PRIVATE PARTNERSHIPS
dc.subjectGUARANTEES
dc.subjectPRIVATIZATION
dc.subjectFINANCIAL DISTRESS
dc.subjectFINANCE COMPANIES
dc.subjectINTEREST RATE
dc.subjectPROPERTY RIGHTS
dc.subjectBANKING SYSTEM
dc.subjectINCOME GROUP
dc.subjectMORTGAGE
dc.subjectWELFARE
dc.subjectMORTGAGE LENDING
dc.subjectSUBSIDY
dc.subjectASSET MANAGEMENT
dc.subjectINTERNATIONAL BANK
dc.subjectPENETRATION RATES
dc.subjectBUSINESS SUCCESS
dc.subjectCREDITOR
dc.subjectLENDER
dc.subjectSAVINGS INSTITUTIONS
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectBANK LENDING
dc.subjectINTERNATIONAL FINANCE
dc.subjectMORTGAGE LOAN
dc.subjectMORTGAGES
dc.subjectSAVINGS
dc.subjectPUBLIC-PRIVATE PARTNERSHIP
dc.subjectSTART-UP
dc.subjectLOAN FUNDS
dc.subjectADVANCED ECONOMIES
dc.subjectACCESS TO FINANCING
dc.subjectUNION
dc.subjectINTEREST RATES
dc.subjectHOMEOWNERSHIP
dc.subjectLENDERS
dc.subjectLOANS
dc.subjectDEVELOPMENT FINANCE COMPANY
dc.subjectFINANCIAL SYSTEM
dc.subjectREAL ESTATE
dc.subjectFINANCE
dc.subjectFOREIGN CURRENCY
dc.subjectMORTGAGE LENDER
dc.subjectGOVERNMENT SECURITIES
dc.subjectHOME IMPROVEMENT LOANS
dc.subjectCREDIT LINE
dc.subjectSMALL LOANS
dc.subjectDOWN PAYMENT
dc.subjectINCOME CATEGORY
dc.subjectEQUITY
dc.subjectLOAN REPAYMENT
dc.subjectSECONDARY MORTGAGE MARKETS
dc.subjectHOUSING LOAN
dc.subjectCREDIT
dc.subjectEQUITY INVESTMENTS
dc.subjectBOND MARKET
dc.subjectTAX SUBSIDIES
dc.subjectREPAYMENT
dc.subjectMORTGAGE LENDERS
dc.subjectPROPERTY
dc.subjectPROPERTIES
dc.subjectMORTGAGE INSURANCE
dc.subjectBALANCE SHEET
dc.subjectTRANSACTION COSTS
dc.subjectCREDIT RATING
dc.subjectGUARANTEE SCHEMES
dc.subjectHUMAN RIGHTS
dc.subjectCORPORATE DEBT
dc.subjectBANK LOANS
dc.subjectSECURITY
dc.subjectFINANCIAL MARKET
dc.subjectINVESTMENT
dc.subjectSECONDARY MORTGAGE MARKET
dc.subjectCREDIT INFORMATION SYSTEMS
dc.subjectLOAN PORTFOLIOS
dc.subjectCOLLATERAL
dc.subjectMICRO-FINANCE
dc.subjectFINANCIAL MARKETS
dc.subjectREVENUE
dc.subjectLEGAL REQUIREMENTS
dc.subjectBORROWING
dc.subjectINVESTMENTS
dc.subjectPROVISION OF ACCESS
dc.subjectRISK MANAGEMENT
dc.subjectINTEREST RATE RISK
dc.subjectHOME IMPROVEMENT LOAN
dc.subjectFAMILIES
dc.subjectOUTREACH
dc.subjectMORTGAGE RATES
dc.subjectINFORMATION INFRASTRUCTURE
dc.subjectMORTGAGE MARKET
dc.subjectCREDIT INSTITUTIONS
dc.subjectGUARANTEE
dc.subjectSMALL BUSINESSES
dc.titleHousing Financeen
dc.title.subtitleWorld Bank Group Support for Housing Financeen
dc.typeReporten
dc.typeRapportfr
dc.typeInformees
dspace.entity.typePublication
okr.crossref.titleHousing Finance
okr.date.disclosure2016-05-17
okr.doctypePublications & Research
okr.doctypePublications & Research::Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/2016/05/26378454/world-bank-group-support-housing-finance-ieg-learning-product
okr.guid378441467992816192
okr.identifier.doi10.1596/24359
okr.identifier.externaldocumentum090224b08435dead_2_0
okr.identifier.internaldocumentum26378454
okr.identifier.report105740
okr.importedtrue
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2016/05/24/090224b08435dead/2_0/Rendered/PDF/World0Bank0Gro0IEG0learning0product.pdfen
okr.topicFinance and Financial Sector Development::Housing Finance
okr.unitIEG Sustainable Development (IEGSD)
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