Insights into Housing Finance Systems and Mortgage Loans
Explore various aspects of housing finance systems, mortgage loans, lenders' funding sources, and the conditions required for acquiring housing loans. Delve into the structure, key components, and importance of housing finance in both ideal and real-world scenarios.
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Presentation Transcript
A system for the Relatively Wealthy Borrower buys house with mortgage loan House as collateral against loan Financial institution Borrower Loan payment from borrower to financial institution Housing loan from financial institution to borrower
Where do Lenders Get the Money for Housing Loans?
1. Banks Interest Payments Savings Loans Interest Payments
3. Mortgage Banks Savings Borrower Pension or Insurance Investment Capital Institutional Institutional Investors Investors Securities
Why Fewer than 15 Per Cent of Africans Can Access Mortgages
Understanding Pension-Backed Loans for Housing Pension Administrator Housing Loan Loan Payments Savings into the Pension fund
Supporting the Housing Processes of the Poor
Making a Market Map Using the Access Frontier Tool
Mass-producing Housing Units on a Large Scale
More Practical, Realistic and Flexible Building Standards
Five Ways Government Can Support Downmarket Lending
