BUILDING WITH CREDIT - HOUSING FINANCE FOR LOW-INCOME HOUSEHOLDS

This paper describes new models for providing housing finance to low-i ncome households developed over the past 15 years. They have been deve loped to support a large-scale process of incremental housing developm ent through loan finance. The paper's introduction having described th e context, the second section concentrates on NGOs' programmes, the th ird looks at some of the constraints these programmes have faced, and the fourth describes programmes initiated or supported by governments. The final section discusses what we can learn from these government p rogrammes, and considers future strategies for expanding the provision of housing finance for low-income groups.