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Housing Finance in Peru: What is Holding it Back?

  • Miguel Palomino Bonilla
  • Rudy Wong Barrantes
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    Housing for most Peruvians is improving but is still grossly inadequate. Nonetheless, public housing finance policies mainly involve programs that subsidize middle-income families and banks that lend to them. Research summarized in this paper indicates that financing will not be the main obstacle to improving housing conditions in Peru and that public sector efforts would be better aimed at dealing with issues where significant externalities and institutional restrictions limit market development. Thus, public sector efforts and funds could temporarily support the development of: i) cheaper construction techniques and materials, ii) lower-cost credit technologies for low-income housing credits and iii) increasing the availability of adequately enabled land for large-scale low- income housing projects.

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    Paper provided by Inter-American Development Bank, Research Department in its series Research Department Publications with number 4748.

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    Date of creation: Nov 2011
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    Handle: RePEc:idb:wpaper:4748
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    1. Judy L. Baker, 2000. "Evaluating the Impact of Development Projects on Poverty : A Handbook for Practitioners," World Bank Publications, The World Bank, number 13949.
    2. Morris, Felipe, 2009. "Las alternativas para el financiamiento hipotecario en el Perú," Revista Moneda, Banco Central de Reserva del Perú, issue 140, pages 27-31.
    3. Heckman, James, 2013. "Sample selection bias as a specification error," Applied Econometrics, Publishing House "SINERGIA PRESS", vol. 31(3), pages 129-137.
    4. Fernando A. Broner & Alberto Martin & Jaume Ventura, 2007. "Enforcement Problems and Secondary Markets," NBER Working Papers 13559, National Bureau of Economic Research, Inc.
    5. Veronica Cacdac Warnock & Francis E. Warnock, 2007. "Markets and Housing Finance," The Institute for International Integration Studies Discussion Paper Series iiisdp221, IIIS.
    6. Bank for International Settlements, 2006. "Housing finance in the global financial market," CGFS Papers, Bank for International Settlements, number 26, April.
    7. Alcazar, Rafael, 2009. "Mecanismos alternativos para el financiamiento hipotecario en el Perú," Revista Moneda, Banco Central de Reserva del Perú, issue 140, pages 32-35.
    8. Barco, Daniel & Iberico, Jorge & Medina, Andres, 2009. "Situación del crédito hipotecario en el Perú," Revista Moneda, Banco Central de Reserva del Perú, issue 140, pages 7-13.
    9. Shahidur R. Khandker & Gayatri B. Koolwal & Hussain A. Samad, 2010. "Handbook on Impact Evaluation : Quantitative Methods and Practices," World Bank Publications, The World Bank, number 2693.
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