World Bank2012-06-142012-06-142008-07https://hdl.handle.net/10986/8070This study examines the constraints on the housing sector in Afghanistan. It evaluates government policy on housing, looks at the state of housing finance, and examines legal and regulatory barriers with a bearing on the housing market. The report provides policy recommendations aimed at helping to develop a private-sector led housing market. To assist in formulating policies and implementing actions, the study recommends forming a housing finance task force under the sponsorship of the government. Such a task force can help foster wider discussion among the government, financial institutions, microfinance institutions, nongovernmental organizations, civil society, and other stakeholders.CC BY 3.0 IGOACCESS TO BANKACCESS TO BANKINGACCESS TO BANKING SERVICESACCESS TO CAPITALACCESS TO CREDITACCESS TO FINANCEACCESS TO FORMAL FINANCEACCOUNTINGADBAFFORDABILITYAFFORDABLE HOUSINGAUDITINGBACKED SECURITIESBANK CREDITBANK FINANCINGBANK LOANBANKING LAWBANKING NETWORKBANKING SECTORBANKING SECTOR REFORMSBANKING SUPERVISIONBANKING SYSTEMBANKRUPTCYBORROWERBRIBESBUSINESS ACTIVITIESBUSINESS CENTERBUSINESS LENDINGBUSINESS LOANSBUYBACKCADASTRECAPACITY BUILDINGCAPITAL INVESTMENTCAPITAL MARKETSCASH FLOWCENTRAL BANKCIVIL LAWCOLLATERAL SYSTEMCOMMERCIAL BANKCOMMERCIAL BANKINGCOMMERCIAL BANKSCORRUPTIONCREDIT FOR WOMENCREDIT INFORMATIONCREDIT INFORMATION SYSTEMCREDIT UNIONCREDITWORTHINESSDEEDSDEPOSITDEPOSITSDISABLEDDISABLED PERSONSDISPOSABLE INCOMEECONOMIC ACTIVITIESECONOMIC GROWTHEMERGING MARKETSEMPLOYMENTEMPLOYMENT GROWTHENTREPRENEURSETHNIC GROUPEXCESS LIQUIDITYFAMILIESFAMILY INCOMESFARMERSFINANCE COMPANYFINANCIAL INFRASTRUCTUREFINANCIAL INSTITUTIONFINANCIAL INSTITUTIONSFINANCIAL INTERMEDIARYFINANCIAL MARKETFINANCIAL PRODUCTSFINANCIAL RESOURCESFINANCIAL SECTOR DEVELOPMENTFINANCIAL SECTOR REFORMSFINANCIAL SERVICESFINANCIAL SUSTAINABILITYFINANCIAL SYSTEMFINANCIAL TRANSACTIONSFINANCING NEEDFINANCING NEEDSFINANCING REQUIREMENTFISCAL POLICIESFORECLOSUREFORMAL FINANCIAL SECTORFORMS OF COLLATERALFUNDING SOURCESGENDERGENDER BIASGOVERNMENT POLICYGROSS DOMESTIC PRODUCTGROUP LENDINGHANDICRAFTSHOME BUYERSHOME IMPROVEMENTHOME IMPROVEMENTSHOME LOANSHOMEOWNERSHOMEOWNERSHIPHOUSEHOLD INCOMEHOUSEHOLDSHOUSING FINANCEHOUSING LOANHOUSING LOANSHUMAN CAPITALHUSBANDILLEGAL SETTLEMENTSINCOME GROUPSINCOME-GENERATING ACTIVITIESINFLATIONINFORMAL CREDITINFORMAL FINANCINGINFRASTRUCTURE DEVELOPMENTINSTITUTIONAL CAPACITYINSURANCEINSURANCE COMPANIESINSURANCE COMPANYINTEREST RATEINTEREST RATESINTERNATIONAL DEVELOPMENTINTERNATIONAL FINANCELABOR COSTSLAND OWNERSHIPLAND POLICYLAND REGISTRATIONLAND TITLELAND TITLINGLAND VALUELARGE CITIESLAWSLEGAL FRAMEWORKLEGAL RIGHTSLEGAL TITLELEGISLATIONLENDERLENDERSLIENLIENSLIMITED ACCESSLOAN AMOUNTLOAN APPRAISALLOAN OFFICERSLOAN PORTFOLIOLOAN PRODUCTLOAN PRODUCTSLOAN SIZESLOANS TO CUSTOMERSLOANS TO WOMENLONG-TERM FINANCELONG-TERM FUNDINGLONG-TERM LENDINGLONG-TERM LOANSLOW- INCOME FAMILIESLOW-INCOME BORROWERSMACROECONOMIC STABILITYMARKET INFORMATIONMARKET VALUEMICROCREDITMICROFINANCEMICROFINANCE INSTITUTIONMICROFINANCE INSTITUTIONSMICROFINANCE LENDINGMICROFINANCE LOANMICROFINANCE LOANSMICROFINANCE SECTORMIGRATIONMONEYLENDERSMORTGAGEMORTGAGE FINANCINGMORTGAGE LENDINGMORTGAGE LOANMORTGAGE LOANSMORTGAGE MARKETMORTGAGESMUNICIPALITIESNEGOTIABLE INSTRUMENTSNONBANK FINANCIAL INSTITUTIONSOUTREACHOUTSTANDING LOANSPENALTIESPOOR BORROWERSPRIVATE CAPITALPRIVATE COMMERCIAL BANKSPRIVATE ENTERPRISESPRIVATE INVESTMENTPROPERTY AS COLLATERALPROPERTY LAWPROPERTY MARKETPROPERTY MARKETSPROPERTY OWNERSPROPERTY OWNERSHIPPROPERTY RIGHTSPRUDENTIAL REGULATIONSREAL ESTATEREFUGEEREFUGEESREGISTRATION LAWREGISTRATION PROCESSREGISTRATION SYSTEMREGISTRY OFFICESREGULATORY BARRIERSREGULATORY FRAMEWORKREGULATORY OVERSIGHTRESIDENTIAL MORTGAGESRURAL BORROWERSSAVINGSSECONDARY MORTGAGE MARKETSECURITIESSHORT-TERM DEPOSITSSOURCE OF INFORMATIONSPECIALIZED BANKSSUPERVISORY FRAMEWORKTECHNICAL ASSISTANCETITLE REGISTRATIONTRADE FINANCINGTRANSACTIONTRANSPARENT SYSTEMTRANSPORTURBAN AREASURBAN DEVELOPMENTURBAN HOUSINGWATER SUPPLYWOMANWOMEN ENTREPRENEURSWorld Bank10.1596/8070