The role of housing fi nance in addressing the needs of the urban poor: lessons from Central America

International Institute for Environment and Development (IIED)

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Date Published 2008
Primary Author Alfredo Stein and Irene Vance
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This paper analyzes three forms of low-income housing finance implemented in Central America: up-front and targeted state subsidies for mortgage finance to access new housing; small, repeated loans for incremental housing improvements; and co-financing methods for the introduction of infrastructure and basic services. It shows that technical assistance for self-help construction, when combined with sound inclusive financial methods, can open new opportunities to make land, shelter and services affordable to different urban poor sub-groups.

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