Housing Finance Policy

Text bolded/green below shows notes and variable definitions when you roll over. If you cannot see the notes, please download an Excel version from the Research Center, which includes notes. Also, a PDF featuring variable definitions is available in the document list under "Definition of Hofinet Variables".

 

A. Legal and Regulatory Framework

A.1 Legal and Regulatory Framework
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Basis of the legal system: Civil, Common, Islamic, Other? (Describe)Civil lawCivil lawCivil lawA.1.1
Registration/Transfer of titles:A.1.3
Does the law clearly define different types of property rights?NoNoNoA.1.3.1
Typical number of days needed for the transfer of title242424
Doing Business
A.1.3.4
Is there specialized legislation covering:A.1.9
B. Housing Finance Subsidies
B.1 Subsidies to Housing Finance Institutions
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Are there subsidized funding sources for mortgage lenders?YesYesYesB.1.1
Tax breaks on mortgage bonds or RMBSYesYesYesB.1.1.4
Loss and/or cash flow guarantees for RMBSYesYesYesB.1.1.5
B.2 Subsidies to Households
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
Are there subsidies to households on housing finance?YesYesYesB.2.1
Interest rate subsidies by special government fundsYesYesYesB.2.1.1
Reach of subsidies in 2.1.1 to 2.1.4 ?B.2.2
C. Taxation
VariableEnd of 2015End of 2014End of 2013SourcesVar ID
What taxes apply to Residential Real Estate?C.1
Tax on capital gains on property YesYesYesC.1.5
back to top | Country Data:
Notes: OPIC in 2011 dedicated $100 million in financing for typically neglected segments of the Guatemalan population (low-middle income families). Much of these new loans will be packaged into mortgage-backed securities according to the OPIC report. The FHA, a state sponsored entity, also securitizes mortgages that it buys from mortgage lenders.
Notes: OPIC in 2011 dedicated $100 million in financing for typically neglected segments of the Guatemalan population (low-middle income families). Much of these new loans will be packaged into mortgage-backed securities according to the OPIC report. The FHA, a state sponsored entity, also securitizes mortgages that it buys from mortgage lenders.
Notes: OPIC in 2011 dedicated $100 million in financing for typically neglected segments of the Guatemalan population (low-middle income families). Much of these new loans will be packaged into mortgage-backed securities according to the OPIC report. The FHA, a state sponsored entity, also securitizes mortgages that it buys from mortgage lenders.
Notes: OPIC in 2011 dedicated $100 million in financing for typically neglected segments of the Guatemalan population (low-middle income families). Much of these new loans will be packaged into mortgage-backed securities according to the OPIC report. The FHA, a state sponsored entity, also securitizes mortgages that it buys from mortgage lenders.
Notes: OPIC in 2011 dedicated $100 million in financing for typically neglected segments of the Guatemalan population (low-middle income families). Much of these new loans will be packaged into mortgage-backed securities according to the OPIC report. The FHA, a state sponsored entity, also securitizes mortgages that it buys from mortgage lenders.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.
Notes: The CHN is backed by the government and focuses on mortgage lending but also has a wide range of banking services--like taking deposits and offering multiple different forms of credit to citizens.