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HS/947/07E
ISBN: 978-92-1-132022-0 (series)
ISBN: 978-92-1-132007-7

HOUSING FINANCE SYSTEM in South Africa

This report examines the housing finance mechanisms in South
Africa. It report looks at the macro-economic conditions and legal environment in which housing finance is operating. It discusses the role of the state, private sector, multilateral institutions and other agencies in the development of housing finance mechanisms. It reviews a variety of instruments and measures to facilitate access to housing finance and for implementation of different housing finance schemes. It demonstrates that how policy development and environment can shape the housing finance system and its evolution. It examines the different commercial banking approaches, instruments and products to low income housing finance, and their challenges and constraints. It explores how the regulatory infrastructure and environment and institutions created by the state can carry some of the intermediary risks associated with extending loans to the lower income housing market.

HOUSING
FINANCE SYSTEM
In South Africa

UNITED NATIONS HUMAN SETTLEMENTS PROGRMME
P.O. Box 30030, GPO Nairobi 00100, KENYA
Telephone: 254-20-7623120; Fax: 254-20-7624266/7 (Central Office)
E-mail: infohabitat@unhabitat.org; Website:http//www.unhabitat.org

UNITED NATIONS HUMAN SETTLEMENTS PROGRAMME

HOUSING FINANCE SYSTEM
IN SOUTH AFRICA

United Nations Human Settlement Programme

2008

The Human Settlements Finance Systems Series
Housing Finance System in South Africa

First published in Nairobi in 2008 by UN-HABITAT
Copyright © United Nations Human Settlements Programme. 2008
HS/947/07E
ISBN: 978-92-1-132022-0 (series)
ISBN: 978-92-1-132007-7
Disclamer
The designations employed and the presentation of the material in this publication do not imply the expression of any opinion whatsoever on the part of the Secretariat of the
United Nations concerning the legal status of
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