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The Crossroad Of Housing Loans Financing - Case Of Albania

Listed author(s):
  • Iris SHAHINI


    (Economic University of Tirana, Accounting Department)

  • Orfea DHUCI


    (Economic University of Tirana, Accounting Department)

Registered author(s):

    The current economic crisis has highlighted that a well-functioning financial system is significantly important for economic growth. This study investigated factors affecting housing finance supply in Albania. Housing Finance is a major factor determining the quality and tenure of housing consumption, the overall financial portfolio of the public and the stability and effectiveness of the financial system (Diamond and Lea 1992a). Struyk and Turner (1986) and Stephens (2000 & 2002) argued that housing finance plays an important role in shaping each country’s wider housing system and the housing system takes important social and economic consequences. Then, it follows that the development of a viable housing finance system is of utmost importance in the developed economies. For a typical house-owner, the house is a major asset in his portfolio and for many household, the purchase of a house represents the largest (and often only) life long investment and a store of wealth (Goodman 1989; Sheppard 1999; Malpezzi

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    Article provided by Hellenic Association of Regional Scientists in its journal Regional Science Inquiry.

    Volume (Year): V (2013)
    Issue (Month): 2 (December)
    Pages: 111-123

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    Handle: RePEc:hrs:journl:v:v:y:2013:i:2:p:111-123
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    1. Anil K. Kashyap & Raghuram Rajan & Jeremy C. Stein, 2002. "Banks as Liquidity Providers: An Explanation for the Coexistence of Lending and Deposit-Taking," Journal of Finance, American Finance Association, vol. 57(1), pages 33-73, 02.
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