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2015 | nr 4(94) | 23--28
Tytuł artykułu

Evaluation of Home-Equity Financing Option in a Developing Economy, Illustrated with an Example of Ghana

Warianty tytułu
Ocena zakupu mieszkania finansowanego kredytem hipotecznym w krajach rozwijających się na przykładzie Ghany
Języki publikacji
The introduction of mortgage financing in developing economies such as Ghana has been a marginal success. The framework and the macroeconomic environment necessary for a vibrant and effective mortgage finance system is almost non-existent and may demand a considerable period and a lot of effort to correct such anomalies. This study seeks to explore the prospects of equity financing and further suggests its viability in housing financing for developing economies. The survey confirms the most preferred housing finance option to be equity; this situation results in numerous piecemeal developments, many of which never see completion. The study finds out that due to worsening and unstable economic conditions, equity users often encounter a shortage of equity along the line of construction. We therefore conclude that rental housing is a better option for satisfying the housing needs of the majority of Ghanaians. (original abstract)
Artykuł podejmuje problematykę zakupu mieszkaniowego finansowanego kredytem hipotecznym w krajach rozwijających się. Autorzy prezentują przykład Ghany, czyli kraju w którym kredyt hipoteczny jako produkt finansowy jest na bardzo wczesnym etapie rozwoju (w 2010 roku jedynie 0,8% mieszkań było finansowanych tą metodą). W artykule przedstawiono szanse i zagrożenia dla lewarowanego sposobu zakupu mieszkania, z uwzględnieniem specyfiki społecznoekonomicznej Ghany. Rozważania teoretyczne są uzupełnione wynikami badań ankietowych. (abstrakt oryginalny)
Opis fizyczny
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  • Kwame Nkrumah University of Science and Technology
  • Kwame Nkrumah University of Science and Technology
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