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Housing Policy, Strategy and Recent Developments in Market-based Housing Finance


  • Llanto, Gilberto M.
  • Basilio, Leilanie Q.


The paper discusses current government attempts to shift to market-based housing finance in the context of the past performance of the government's housing policy and strategy. It focuses on the interventions intended to provide access to the low-income groups that have been commonly excluded from formal housing credit markets. It analyzes some of the main constraints faced by low-cost housing in accessing mainstream finance, e.g., perceived affordability problems, credit risks and information asymmetry. The paper then draws attention to recent developments in market-based housing finance that can inform the government's financing strategy.

Suggested Citation

  • Llanto, Gilberto M. & Basilio, Leilanie Q., 1999. "Housing Policy, Strategy and Recent Developments in Market-based Housing Finance," Discussion Papers DP 1999-20, Philippine Institute for Development Studies.
  • Handle: RePEc:phd:dpaper:dp_1999-20

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    housing finance;


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