General Assessment

    Variable(2018)
    Data
    Main constraints in the development of the housing finance sector  
    New developments that will have a major impact on the sector 
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    Notes: All loans are fixed rate. Although 20 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: All loans are fixed rate. Although 20 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: All loans are fixed rate. Although 20 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: All loans are fixed rate. Although 20 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: All loans are fixed rate. Although 20 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: Although 25 years is the maximum loan term, long term financing is not common. Average terms are closer to 5 years.
    Notes: Based on balance sheet
    Notes: Both private and public bureaus were established in 2015
    Notes: Estimation by Country Editor
    Notes: More than value of loan (119%)
    Notes: Secured by Life Insurance
    Notes: Secured by Life Insurance
    Notes: Secured by Life Insurance
    Notes: Substandard housing is residential property that is not up to the local building or housing code. As there is no housing code, we used "bloco" as standard in urban areas
    Notes: The Fund for Housing Promotion (FFH) has agreements with several banks to make mortgage loans accessible to public employees.
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services
    Notes: Urban minimum wages per month in USD. There is no longer a single minimum wage in Mozambique. We used min salary in non financial services