Publication:
Housing Finance in Sri Lanka : Opportunities and Challenges

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dc.contributor.authorWorld Bank
dc.date.accessioned2012-06-14T21:08:53Z
dc.date.available2012-06-14T21:08:53Z
dc.date.issued2007-11
dc.description.abstractSri Lanka has embarked on a gradual transition from a system of directed credit in a highly segmented market toward an integrated market-driven housing finance system. This transition has included an increased role of private universal banks in the immediate term and a functioning secondary mortgage market in the long term. An active system of housing finance provides real economic benefits and positively affects savings, investment, and household wealth. It provides an investment option for long-term funds in the economy as an alternative to investment in treasury bonds. In turn, each dollar invested in the housing sector catalyzes economic activity in other sectors, exerting an indirect positive impact on employment levels, the retirement system, fiscal returns, and consumption. Housing finance enables households to accumulate assets that can provide the collateral for their investment needs, thus stimulating small business. Housing finance development boosts equitable economic growth and reduces poverty by improving living conditions, empowering the middle and lower-income population, and strengthening communities. Housing policy focuses on improving government land use and maximizing the use of the existing housing stock by providing basic public services and upgrades.en
dc.identifierhttp://documents.worldbank.org/curated/en/2007/11/16238776/housing-finance-sri-lanka-opportunities-challenges
dc.identifier.doi10.1596/8106
dc.identifier.urihttps://hdl.handle.net/10986/8106
dc.languageEnglish
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo/
dc.subjectACCESS TO FINANCE
dc.subjectACCESSIBILITY
dc.subjectACCOUNT HOLDERS
dc.subjectADVISORY SERVICES
dc.subjectAFFORDABILITY
dc.subjectAFFORDABLE HOUSING
dc.subjectAFFORDABLE HOUSING FINANCE
dc.subjectALTERNATIVE INVESTMENT
dc.subjectALTERNATIVE INVESTMENTS
dc.subjectAVAILABILITY OF CREDIT
dc.subjectBACKED SECURITIES
dc.subjectBALANCE SHEETS
dc.subjectBANK ASSETS
dc.subjectBANK BRANCHES
dc.subjectBANK DEPOSITS
dc.subjectBANK LENDING
dc.subjectBANK LOANS
dc.subjectBANKING RELATIONSHIP
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBARRIERS TO ENTRY
dc.subjectBOND MARKET
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBORROWINGS
dc.subjectBUSINESS VOLUME
dc.subjectCAPACITY BUILDING
dc.subjectCAPITAL ACCOUNT
dc.subjectCAPITAL MARKET
dc.subjectCAPITAL MARKETS
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMERCIAL LENDING
dc.subjectCOMMUNITY DEVELOPMENT
dc.subjectCONSUMER FINANCE
dc.subjectCONSUMER PROTECTION
dc.subjectCONTRACTUAL SAVINGS
dc.subjectCOOPERATIVES
dc.subjectCORE DEPOSITS
dc.subjectCREDIT BUREAUS
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION BUREAU
dc.subjectCREDIT PROVIDER
dc.subjectCREDIT RISK
dc.subjectCREDIT SCORING
dc.subjectCREDIT-SCORING
dc.subjectCUSTOMER BASE
dc.subjectDEBT
dc.subjectDEBT FINANCING
dc.subjectDEBT INSTRUMENTS
dc.subjectDEMAND FOR CREDIT
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT BANKS
dc.subjectDEVELOPMENT FINANCE
dc.subjectDIRECTED CREDIT
dc.subjectDONOR FUNDS
dc.subjectEARNINGS
dc.subjectECONOMIC ACTIVITY
dc.subjectECONOMIC GROWTH
dc.subjectECONOMIC RESOURCES
dc.subjectELECTRONIC TRANSFER
dc.subjectEMPLOYEE
dc.subjectEMPLOYER
dc.subjectEMPLOYER CONTRIBUTIONS
dc.subjectEQUITY INVESTMENTS
dc.subjectEXPENDITURE
dc.subjectEXPENDITURES
dc.subjectFAMILIES
dc.subjectFINANCE COMPANIES
dc.subjectFINANCIAL ASSETS
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL GLOBALIZATION
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL LIBERALIZATION
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL SECTOR ASSESSMENT
dc.subjectFINANCIAL SECTOR POLICIES
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFISCAL DEFICITS
dc.subjectFISCAL DISCIPLINE
dc.subjectFISCAL POLICIES
dc.subjectFISCAL RESOURCES
dc.subjectFIXED RATE
dc.subjectFIXED RATES
dc.subjectFLOW OF FUNDS
dc.subjectFORECLOSURE
dc.subjectFOREIGN CURRENCY
dc.subjectFOREIGN DIRECT INVESTMENT
dc.subjectFOREIGN INVESTMENT
dc.subjectFORMAL FINANCIAL INTERMEDIARIES
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFUNDING SOURCES
dc.subjectGOVERNMENT FUNDING
dc.subjectGOVERNMENT INTERVENTIONS
dc.subjectGOVERNMENT SECURITIES
dc.subjectHIGH INTEREST RATES
dc.subjectHOME LOAN
dc.subjectHOME LOANS
dc.subjectHOME MORTGAGE
dc.subjectHOME MORTGAGE CREDIT
dc.subjectHOME MORTGAGE LENDING
dc.subjectHOME MORTGAGE MARKET
dc.subjectHOME MORTGAGE MARKETS
dc.subjectHOME MORTGAGES
dc.subjectHOMEOWNER
dc.subjectHOMEOWNERSHIP
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLD DEPOSITS
dc.subjectHOUSEHOLDS
dc.subjectHOUSING FINANCE
dc.subjectHOUSING LOAN
dc.subjectHOUSING LOANS
dc.subjectHUMAN CAPITAL
dc.subjectINCOME GROUP
dc.subjectINCOME GROUPS
dc.subjectINFORMATION TECHNOLOGY
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINTEREST RATE
dc.subjectINTEREST RATE RISK
dc.subjectINTEREST RATE RISKS
dc.subjectINTEREST RATES
dc.subjectINVESTABLE FUNDS
dc.subjectINVESTMENT BANK
dc.subjectINVESTMENT RISK
dc.subjectLABOR MOBILITY
dc.subjectLACK OF PROPERTY
dc.subjectLAND REGISTRATION
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLENDING POLICIES
dc.subjectLENDING TECHNIQUES
dc.subjectLIQUIDITY RISK
dc.subjectLOAN
dc.subjectLOAN FUNDS
dc.subjectLOAN TERMS
dc.subjectLONG-TERM FUNDING
dc.subjectMACROECONOMIC POLICY
dc.subjectMACROECONOMIC RISKS
dc.subjectMARKET DEVELOPMENT
dc.subjectMARKET ECONOMIES
dc.subjectMICRO FINANCE
dc.subjectMICRO FINANCE INSTITUTIONS
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROFINANCE LENDING
dc.subjectMONETARY POLICY
dc.subjectMORTGAGE
dc.subjectMORTGAGE CREDIT
dc.subjectMORTGAGE FINANCING
dc.subjectMORTGAGE LENDERS
dc.subjectMORTGAGE LENDING
dc.subjectMORTGAGE LOAN
dc.subjectMORTGAGE LOANS
dc.subjectMORTGAGE MARKET
dc.subjectMORTGAGE PRODUCTS
dc.subjectMORTGAGE RATE
dc.subjectMORTGAGE RATES
dc.subjectMORTGAGES
dc.subjectMULTINATIONALS
dc.subjectNATIONAL BANK
dc.subjectNEW MARKET
dc.subjectOPERATING COSTS
dc.subjectOUTREACH
dc.subjectPOINT-OF-SALE
dc.subjectPOLICY ENVIRONMENT
dc.subjectPOOR ACCESS
dc.subjectPRICE MOVEMENTS
dc.subjectPRIVATE CREDIT
dc.subjectPRIVATE INVESTMENT
dc.subjectPRIVATE LENDERS
dc.subjectPRIVATE SAVINGS
dc.subjectPRIVATIZATION
dc.subjectPROFITABILITY
dc.subjectPROPERTY RIGHTS
dc.subjectPUBLIC INVESTMENT
dc.subjectREAL ESTATE
dc.subjectREFUGEES
dc.subjectREGISTRATION SYSTEM
dc.subjectREGULATORY FRAMEWORK
dc.subjectREPAYMENT
dc.subjectREPAYMENTS
dc.subjectRETAIL BANK
dc.subjectRETURN
dc.subjectRISK MANAGEMENT
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANK
dc.subjectSAVINGS RATE
dc.subjectSAVINGS RATES
dc.subjectSECOND MORTGAGES
dc.subjectSECONDARY MORTGAGE MARKET
dc.subjectSECONDARY MORTGAGE MARKETS
dc.subjectSMALL BUSINESS
dc.subjectSMALL BUSINESS LOANS
dc.subjectSMALL BUSINESSES
dc.subjectSMALL ENTERPRISES
dc.subjectSOURCE OF FUNDS
dc.subjectSOURCES OF FUNDS
dc.subjectSTOCK MARKET
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTITLE REGISTRATION
dc.subjectTREASURY BILLS
dc.subjectTURNOVER
dc.subjectUNIONS
dc.subjectUNIVERSAL BANKS
dc.subjectURBAN AREAS
dc.subjectURBAN DEVELOPMENT
dc.subjectVALUATION
dc.subjectVALUATION STANDARDS
dc.subjectVULNERABLE GROUPS
dc.titleHousing Finance in Sri Lanka : Opportunities and Challengesen
dspace.entity.typePublication
okr.date.disclosure2012-04-23
okr.date.doiregistration2025-05-07T12:31:42.039463Z
okr.doctypeEconomic & Sector Work::City Development Strategy (CDS)
okr.doctypeEconomic & Sector Work
okr.docurlhttp://documents.worldbank.org/curated/en/2007/11/16238776/housing-finance-sri-lanka-opportunities-challenges
okr.globalpracticeFinance and Markets
okr.globalpracticeTrade and Competitiveness
okr.guid701331468302497132
okr.identifier.externaldocumentum000356161_20120424011434
okr.identifier.internaldocumentum16238776
okr.identifier.report68243
okr.language.supporteden
okr.pdfurlhttp://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2012/04/24/000356161_20120424011434/Rendered/PDF/682430ESW0WHIT0anka0Housing0Finance.pdfen
okr.region.administrativeSouth Asia
okr.region.countrySri Lanka
okr.sectorFinance :: General finance sector
okr.topicFinance and Financial Sector Development::Debt Markets
okr.topicBanks and Banking Reform
okr.topicFinance and Financial Sector Development::Housing Finance
okr.topicPrivate Sector Development::Emerging Markets
okr.topicFinance and Financial Sector Development::Access to Finance
okr.unitFinance & PSD Department (SASFP)
okr.volume1 of 1
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