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• Bangladesh Assessment of Mortgage and Micro-Finance Market

  • Bangladesh’s housing finance sector is dominated by the state-owned housing bank, which typically lends to upper middle-income groups at subsidized rates. Micro-credit programs for housing are small relative to overall micro-finance credit. IHFP’s director analyzed the housing finance sector and prepared proposals to increase access to mortgage finance and improve the financial soundness and efficiency of micro-credit for housing.
  • Housing Finance in Bangladesh
  • Bangladesh Executive Summary
• Ways to Access Capital Markets for Housing Finance in Barbados
  • The Government of Barbados requested IHFP to explore ways to improve resource mobilization for housing finance and expand mortgage lending for lower income households.
• Brazil Transformation of Existing Subsidized Housing Finance Programs
  • IHFP’s director assists the Federal Government of Brazil in the current reforms of social housing policies and the development of well-targeted subsidies that complement rather than replace resources mobilized through the market.
• Indonesia Housing Strategy and Subsidy Program Development
  • Indonesia faces a major transition in the housing and housing finance sectors related to the 1997 financial crisis and its ongoing political transition. IHFP’s director led a team of international and local partners to assist the Government with the formulation and dissemination of a comprehensive set of policies, strategies, and new housing assistance programs to improve the operation of the moderate- and low-income housing and housing finance sectors.
  • Indonesia Housing Policy Study
  • Indonesia Housing Policy Study--Executive Summary
• Indonesia Assessment of the Government Housing Bank
  • IHFP developed alternative restructuring scenarios for the Government Housing Bank - BTN - in the aftermath of the financial and related fiscal crisis in the country.
    
• Indonesia Housing Finance Sector Analysis
  • Housing Finance for Low Income Sector in Indonesia
  • Indonesia Seminar 2007--Housing Finance Sector in Indonesia
• Mexico
  • Mexico requires 750,000 new homes per year. To achieve that it needs to reform its housing policy and subsidy programs and improve the housing finance systems, which are currently dominated by special employer tax funds. IHFP assists Conafovi, the Housing Commission, with executive education and policy advice.
• Philippines Design of Housing Finance Policies and Subsidies
  • The development of a healthy housing finance sector in the Philippines is hampered by the predominance of subsidized lending by special tax and pension funds. IHFP provided technical advice to the Government of the Philippines in developing a transition strategy towards non-distortionary housing support programs and deepening of the housing finance sector.
• South Africa Down-Market Lending and Housing Subsidy Development
  • IHFP assisted the National Housing Finance Corporation of South Africa with an assessment of the current credit and housing delivery gap for low-and middle income groups and the development of strategies to “unblock” the delivery of housing finance through alternative regulatory arrangements and instruments, housing assistance programs, and savings incentives.
  • IHFP is also working with The Urban Institute to assist South Africa with the development of housing and housing finance policies and programs to enhance credit access to the historically disadvantaged people in South Africa.
• Suriname Housing Market Analysis & Design of New Housing Subsidy Programs
  • Macro-economic problems, prolonged high and volatile inflation, and weak governance have plagued Suriname’s housing sector. IHFP faculty led a team to conduct national housing demand and supply surveys, analyzed the housing finance and land sectors and developed proposals for a new national housing policy, and regulatory change in the financial sector. A detailed technical and institutional model was designed for the implementation of a new housing subsidy program.
• Thailand Analysis of Alternative Home-Owner Assistance Programs
  • Thailand’s real estate market was severely affected by the 1997 crisis. Various stimulus packages were unsuccessful in bringing about a housing market response. IHFP’s director led a team of experts to assess the effectiveness, performance, and risks of the Government Housing Bank’s social housing programs, and develop alternative, transparent finance subsidies to expand home-ownership.

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