Land factors and their impact on the housing finance market in Ghana

Nicholas Addai Boamah

    Research output: Contribution to journalArticlepeer-review

    Abstract

    The housing finance market in Ghana is vastly underdeveloped. This paper argues that tenure insecurity in the country may be responsible for that. It hypothesises that land factors have made landed properties unattractive for collat¬eralization and partly constrained the country’s housing finance market. The paper examines the land ownership, acquisition, and documentation procedures in Ghana. It examines the impact of the land factors on the housing finance systems in the country. The performance of the hous-ing finance system is subsequently evaluated. The paper relies on secondary data from the literature and authorized sources such as the HFC Bank, the Ministry of Land and Natural Resources (MLNR), and the Ministry of Works and Housing (MWH). Data was assembled chiefly through mail shots and a review of archives and certified documents.
    Original languageEnglish
    Pages (from-to)33-40
    Number of pages8
    JournalHousing Finance International
    VolumeWinter
    Publication statusPublished - 2012

    Keywords

    • housing
    • finance
    • land tenure
    • Ghana

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