Abstract
Abstract A third set of housing market conditions, the actual conditions in the housing finance industry, calls for a more thorough investigation of the housing sector as seen through yet another perspective-the perspective of those who lend for housing. Housing policy is intimately tied to the development of the housing finance industry because ample and affordable housing relies heavily on the ability of the financial sector to provide ample and affordable credit for housing. How do mortgage markets develop? What accounts for the variations in the availability of credit among countries? The creation of an effective, vibrant, and responsible housing finance regime is indeed one of the five key components of an enabling housing policy regime. But does a more-enabling housing finance regime indeed result in more credit becoming available for housing? In this chapter we seek to explore these questions.
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