Conference Proceedings : âJANASEVANAâ National ... - UN HABITAT
Conference Proceedings : âJANASEVANAâ National ... - UN HABITAT
Conference Proceedings : âJANASEVANAâ National ... - UN HABITAT
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1/5/2012<br />
Housing Finance Market<br />
Total Housing Finance Market<br />
Income High end<br />
Income low end<br />
100%<br />
95%<br />
90%<br />
85%<br />
80%<br />
75%<br />
25%<br />
1.35 m<br />
households<br />
15%<br />
10%<br />
Already financed by LCBs and LSBs<br />
wealthier bankable households with<br />
regular income and salaries.<br />
Potential bank market growth for LCBs &<br />
LSBs , new housing , wealthier bankable<br />
households.<br />
Housing Finance Gap<br />
(The Emerging Market )<br />
70%<br />
65%<br />
60%<br />
30%<br />
1.6mn households<br />
55%<br />
50%<br />
45% 5% Financed by Micro financiers.<br />
40%<br />
35%<br />
Have own houses and used<br />
30%<br />
Microfinance for upgrading if<br />
25% 35%<br />
20% 1.9mn households required.<br />
15%<br />
10%<br />
5% 5% Not Bankable – Need social housing.<br />
The Emerging Market-<br />
Low Income Housing Credit.<br />
>30% of the households, who has the capacity<br />
and willingness to pay for affordable home<br />
credit,<br />
‣ but lack of accessibility for formal finance,<br />
‣ is The emerging market for housing credit.<br />
7
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