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Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges

Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges

Vuyisani Moss
Copyright: © 2019 |Volume: 6 |Issue: 1 |Pages: 16
ISSN: 2327-3984|EISSN: 2327-3992|EISBN13: 9781522568483|DOI: 10.4018/IJSS.2019010104
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MLA

Moss, Vuyisani. "Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges." IJSS vol.6, no.1 2019: pp.52-67. http://doi.org/10.4018/IJSS.2019010104

APA

Moss, V. (2019). Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges. International Journal of Systems and Society (IJSS), 6(1), 52-67. http://doi.org/10.4018/IJSS.2019010104

Chicago

Moss, Vuyisani. "Creating a Development Bank to Finance Affordable Housing in South Africa is a Timely Catalyst to Address Demand and Supply Challenges," International Journal of Systems and Society (IJSS) 6, no.1: 52-67. http://doi.org/10.4018/IJSS.2019010104

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Abstract

The twin problems of affordability and accessibility that hamper the progress of housing in our country need to be addressed on a sustainable basis and the state needs to take on the role as a facilitator to create the enabling environment to encourage greater private sector participation. As a consequence, it is quite opportune to establish the Human Settlements Development Bank (HSDB). The mortgage finance affordability challenge is also attributable to key essential drivers, namely; house price index, disposable income, and the mortgage interest rates.

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