Housing Finance in Afghanistan : Challenges and Opportunities

This study examines the constraints on the housing sector in Afghanistan. It evaluates government policy on housing, looks at the state of housing finance, and examines legal and regulatory barriers with a bearing on the housing market. The report...

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Bibliographic Details
Main Author:	World Bank
Format:	Other Financial Sector Study
Language:	English
Published:	Washington, DC 2012
Subjects:	ACCESS TO BANK ACCESS TO BANKING ACCESS TO BANKING SERVICES ACCESS TO CAPITAL ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FORMAL FINANCE ACCOUNTING ADB AFFORDABILITY AFFORDABLE HOUSING AUDITING BACKED SECURITIES BANK CREDIT BANK FINANCING BANK LOAN BANKING LAW BANKING NETWORK BANKING SECTOR BANKING SECTOR REFORMS BANKING SUPERVISION BANKING SYSTEM BANKRUPTCY BORROWER BRIBES BUSINESS ACTIVITIES BUSINESS CENTER BUSINESS LENDING BUSINESS LOANS BUYBACK CADASTRE CAPACITY BUILDING CAPITAL INVESTMENT CAPITAL MARKETS CASH FLOW CENTRAL BANK CIVIL LAW COLLATERAL SYSTEM COMMERCIAL BANK COMMERCIAL BANKING COMMERCIAL BANKS CORRUPTION CREDIT FOR WOMEN CREDIT INFORMATION CREDIT INFORMATION SYSTEM CREDIT UNION CREDITWORTHINESS DEEDS DEPOSIT DEPOSITS DISABLED DISABLED PERSONS DISPOSABLE INCOME ECONOMIC ACTIVITIES ECONOMIC GROWTH EMERGING MARKETS EMPLOYMENT EMPLOYMENT GROWTH ENTREPRENEURS ETHNIC GROUP EXCESS LIQUIDITY FAMILIES FAMILY INCOMES FARMERS FINANCE COMPANY FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTION FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIARY FINANCIAL MARKET FINANCIAL PRODUCTS FINANCIAL RESOURCES FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REFORMS FINANCIAL SERVICES FINANCIAL SUSTAINABILITY FINANCIAL SYSTEM FINANCIAL TRANSACTIONS FINANCING NEED FINANCING NEEDS FINANCING REQUIREMENT FISCAL POLICIES FORECLOSURE FORMAL FINANCIAL SECTOR FORMS OF COLLATERAL FUNDING SOURCES GENDER GENDER BIAS GOVERNMENT POLICY GROSS DOMESTIC PRODUCT GROUP LENDING HANDICRAFTS HOME BUYERS HOME IMPROVEMENT HOME IMPROVEMENTS HOME LOANS HOMEOWNERS HOMEOWNERSHIP HOUSEHOLD INCOME HOUSEHOLDS HOUSING FINANCE HOUSING LOAN HOUSING LOANS HUMAN CAPITAL HUSBAND ILLEGAL SETTLEMENTS INCOME GROUPS INCOME-GENERATING ACTIVITIES INFLATION INFORMAL CREDIT INFORMAL FINANCING INFRASTRUCTURE DEVELOPMENT INSTITUTIONAL CAPACITY INSURANCE INSURANCE COMPANIES INSURANCE COMPANY INTEREST RATE INTEREST RATES INTERNATIONAL DEVELOPMENT INTERNATIONAL FINANCE LABOR COSTS LAND OWNERSHIP LAND POLICY LAND REGISTRATION LAND TITLE LAND TITLING LAND VALUE LARGE CITIES LAWS LEGAL FRAMEWORK LEGAL RIGHTS LEGAL TITLE LEGISLATION LENDER LENDERS LIEN LIENS LIMITED ACCESS LOAN AMOUNT LOAN APPRAISAL LOAN OFFICERS LOAN PORTFOLIO LOAN PRODUCT LOAN PRODUCTS LOAN SIZES LOANS TO CUSTOMERS LOANS TO WOMEN LONG-TERM FINANCE LONG-TERM FUNDING LONG-TERM LENDING LONG-TERM LOANS LOW- INCOME FAMILIES LOW-INCOME BORROWERS MACROECONOMIC STABILITY MARKET INFORMATION MARKET VALUE MICROCREDIT MICROFINANCE MICROFINANCE INSTITUTION MICROFINANCE INSTITUTIONS MICROFINANCE LENDING MICROFINANCE LOAN MICROFINANCE LOANS MICROFINANCE SECTOR MIGRATION MONEYLENDERS MORTGAGE MORTGAGE FINANCING MORTGAGE LENDING MORTGAGE LOAN MORTGAGE LOANS MORTGAGE MARKET MORTGAGES MUNICIPALITIES NEGOTIABLE INSTRUMENTS NONBANK FINANCIAL INSTITUTIONS OUTREACH OUTSTANDING LOANS PENALTIES POOR BORROWERS PRIVATE CAPITAL PRIVATE COMMERCIAL BANKS PRIVATE ENTERPRISES PRIVATE INVESTMENT PROPERTY AS COLLATERAL PROPERTY LAW PROPERTY MARKET PROPERTY MARKETS PROPERTY OWNERS PROPERTY OWNERSHIP PROPERTY RIGHTS PRUDENTIAL REGULATIONS REAL ESTATE REFUGEE REFUGEES REGISTRATION LAW REGISTRATION PROCESS REGISTRATION SYSTEM REGISTRY OFFICES REGULATORY BARRIERS REGULATORY FRAMEWORK REGULATORY OVERSIGHT RESIDENTIAL MORTGAGES RURAL BORROWERS SAVINGS SECONDARY MORTGAGE MARKET SECURITIES SHORT-TERM DEPOSITS SOURCE OF INFORMATION SPECIALIZED BANKS SUPERVISORY FRAMEWORK TECHNICAL ASSISTANCE TITLE REGISTRATION TRADE FINANCING TRANSACTION TRANSPARENT SYSTEM TRANSPORT URBAN AREAS URBAN DEVELOPMENT URBAN HOUSING WATER SUPPLY WOMAN WOMEN ENTREPRENEURS
Online Access:	http://documents.worldbank.org/curated/en/2008/07/9669397/afghanistan-housing-finance-challenges-opportunities http://hdl.handle.net/10986/8070

Description
Summary:	This study examines the constraints on the housing sector in Afghanistan. It evaluates government policy on housing, looks at the state of housing finance, and examines legal and regulatory barriers with a bearing on the housing market. The report provides policy recommendations aimed at helping to develop a private-sector led housing market. To assist in formulating policies and implementing actions, the study recommends forming a housing finance task force under the sponsorship of the government. Such a task force can help foster wider discussion among the government, financial institutions, microfinance institutions, nongovernmental organizations, civil society, and other stakeholders.

Housing Finance in Afghanistan : Challenges and Opportunities

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