Abstract
This article describes how Bulgaria has gone further than other former communist East European countries in transforming its housing sector from a central to a market economy. It also identifies actions needed to expedite the process including: the removal of remaining legal and institutional constraints on the housing market; the creation of a workable housing finance system; improved use and condition of the existing housing stock; and design of workable and financially realistic policies and programmes for lowincome groups. Recommendations are preceded by descriptions of Bulgaria's economic setting, housing production and finance, ownership and tenure patterns, and housing quality.
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