Housing Finance in Peru: What is Holding it Back?

Miguel Palomino Bonilla and Rudy Wong Barrantes

No 4748, Research Department Publications from Inter-American Development Bank, Research Department

Abstract: 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.

JEL-codes: G21 G28 H81 R31 R38 (search for similar items in EconPapers)
Date: 2011-11
New Economics Papers: this item is included in nep-ure
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