Mali Financial Sector Assessment Program : Housing Finance

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作者：

World Bank

来源地址：

http://hdl.handle.net/10986/24266

关键词：

HOME OWNERSHIP;  MONETARY POLICY;  FINANCIAL SERVICES;  PROVISION OF MORTGAGE;  DEPOSITS;  PROPERTY TAX;  FINANCING;  MORTGAGE DEBT;  INTEREST;  GOVERNMENT FUNDING;  PRIVATE SECTOR LOAN;  PRIVATE CREDIT;  LACK OF FINANCE;  BANKING SERVICES;  CAPITAL ADEQUACY;  LOAN;  BORROWERS;  SAVINGS PRODUCT;  CORRUPTION;  PAYMENTS;  MFIS;  RURAL BANKS;  FULL ACCESS;  FINANCIAL SECTOR REFORM;  HOUSING LOANS;  TECHNICAL ASSISTANCE;  HOUSING FINANCE;  FINANCIAL INSTITUTION;  MARKET DEVELOPMENT;  MORAL HAZARD;  LAND MARKETS;  FIXED DEPOSITS;  COOPERATIVE BANKS;  LOAN PRODUCTS;  DEBTS;  FINANCES;  BANK LENDERS;  DEBT OUTSTANDING;  FINANCIAL INSTITUTIONS;  PAYMENT;  CAPITAL MARKET;  DEBT;  MICRO LOANS;  BANK FINANCING;  POOR CREDIT;  BANKS;  CHECKING ACCOUNTS;  AFFORDABILITY;  CAPITAL;  BUSINESS PLAN;  ACCESS TO FINANCE;  BANK;  TITLE REGISTRATION;  LOAN GUARANTEES;  HOUSEHOLD;  FINANCIAL EDUCATION;  LOAN PORTFOLIO;  INSTALLMENTS;  AFFORDABLE HOUSING;  POSTAL SAVINGS;  CREDIT RISK;  PROFITABILITY;  LACK OF CAPITAL;  LOAN APPROVAL;  MICROFINANCE;  FINANCIAL SECTOR ASSESSMENT;  INFORMATION ON CREDIT;  REGISTRATION SYSTEM;  SOURCES OF FUNDS;  CREDIT GUARANTEES;  COMMERCIAL BANKS;  HOUSEHOLDS;  ACCESS LEVELS;  MORTGAGE LOANS;  LOAN SIZE;  LONG-TERM LENDING;  EARNINGS;  DEVELOPMENT FINANCE;  FINANCIAL SUPPORT;  URBAN COOPERATIVE BANKS;  LOAN PROGRAMS;  CONSUMER EDUCATION;  FEES;  TERMS OF LOAN;  HOME IMPROVEMENT;  REMITTANCES;  ARREARS;  COOPERATIVE;  CREDIT LINES;  FINANCIAL SECTOR DEVELOPMENT;  INCOME GROUPS;  EMPLOYEES;  LAND ADMINISTRATION;  MFI;  MICROFINANCE INSTITUTION;  DEPOSIT;  RECEIPT;  LAND ISSUES;  PEOPLE;  AFFORDABLE HOUSING FINANCE;  GUARANTEES;  EQUITABLE ACCESS;  PRIVATIZATION;  FINANCE COMPANIES;  INTEREST RATE;  PROPERTY RIGHTS;  BANKING SYSTEM;  DISCLOSURE REQUIREMENTS;  MORTGAGE;  MORTGAGE LENDING;  SUBSIDY;  INCOME TAX;  CREDIT INSTITUTION;  CREDITOR;  LENDER;  NEW BUSINESS;  MICROFINANCE INSTITUTIONS;  ACCESS TO FINANCIAL SERVICES;  RISK PERCEPTIONS;  CREDITS;  MORTGAGE LOAN;  MORTGAGES;  SAVINGS;  CREDIT WORTHINESS;  RESIDENTIAL MORTGAGES;  UNION;  INTEREST RATES;  DEPOSIT ACCOUNTS;  ELIGIBILITY CRITERIA;  HOMEOWNERSHIP;  FINANCIAL PRODUCTS;  LAND RIGHTS;  LENDERS;  LOANS;  MICRO FINANCE;  FINANCIAL SYSTEM;  FINANCIAL HEALTH;  REGULAR PAYMENTS;  REAL ESTATE;  FINANCE;  DOWN PAYMENT;  GRANT;  EQUITY;  CREDIT FLOW;  LAND MARKET;  MICRO FINANCE INSTITUTIONS;  LOAN GUARANTEE;  CORPORATE DEPOSITS;  FAMILY;  CREDIT;  HOUSING LOAN;  INVESTMENT BANK;  TAX CONCESSIONS;  URBAN AREAS;  REPAYMENT;  URBAN AREA;  MORTGAGE LENDERS;  PROPERTY;  PROPERTIES;  BALANCE SHEET;  GUARANTEE SCHEME;  LEGAL TITLE;  CREDIT BUREAU;  UMBRELLA ORGANIZATION;  AFFORDABLE FINANCING;  REGULATORY OVERSIGHT;  ACCESS TO CREDIT;  INTERESTS;  FIXED ASSETS;  FINANCIAL DEVELOPMENT;  SECURITY;  FINANCIAL MARKET;  INVESTMENT;  SECONDARY MORTGAGE MARKET;  BUSINESS VOLUMES;  COLLATERAL;  MICRO-FINANCE;  FINANCIAL MARKETS;  BORROWINGS;  COOPERATION;  COOPERATIVES;  BORROWING;  INVESTMENTS;  AGRICULTURAL FINANCE;  RISK MANAGEMENT;  TECHNICAL SUPPORT;  MORTGAGE PRODUCT;  FORM OF COLLATERAL;  WOMEN;  WHOLESALE FUNDING;  MORTGAGE MARKET;  GUARANTEE;  ECONOMIC AGENTS;  CONSUMER PROTECTION;  SAVINGS BANK;  Report; 

年份：

2015

出版地：

Washington,USA

语种：

English

摘要：

The housing finance market in Mali remains small and under developed. Few banks currently offer a full mortgage product with Banque Malienne de Solidarite, Mali Housing Bank (BHM), Bank of Africa, and EcoBank being the main lenders although at minimal levels. The total annual housing need in Mali based on the household formation rate amounts to 82,500, split between 51,100 urban units and 31,400 rural units. Overall some social housing is constructed and support is provided by the state for low income housing through the Office Malienne de l’Habitat (OMH), but the numbers remain small. The Malien authorities have been working to strengthen financial sector stability which includes measures to stabilize the BHM and put it in a position where it begins to fulfill its mandate of providing credit for the housing sector. A strategy was approved by the council of Minister for a strategic disengagement by the state from the share capital of BHM. Initially the agreed plan was for BHM to be privatized. Overall progress in delivery of affordable housing will require a concerted effort among all stakeholders both in public and private sector. This should be supported through establishment of stakeholder coordination group to oversee change across the housing value chain.