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Title: Barriers preventing marginal income groups from accessing housing finance
Authors: Shelembe, Sipho Dennis 
Keywords: Housing--Finance;Housing subsidies--South Africa;Management--Dissertations, Academic
Issue Date: 2006
The marginal and low-income groups face a number of obstacles in their quest to
secure housing finance to improve their living conditions. South Africa has a sophisticated and effective finance system. However, it appears that the only beneficiaries from it are the middle and upper income groups of the housing market. The whole system of accessing housing finance
has proven to be problematic for the marginal and lower income groups for various reasons, among others: it is not user friendly and is not easily understood by an illiterate or poorly educated person.
The key challenge for the South African housing finance system is to find ways of
bridging the gap between those who have a regular income and those who do not. The credit gap exists because of the relationship between risk and cost which is a standard lending issue across the globe.

The study has unpacked the obstacles by looking at the literature and role players in the housing finance.
Thesis (M.B.A.)-Business Studies Unit, Durban University of Technology, Durban, South Africa, 2006
Appears in Collections:Theses and dissertations (Management Sciences)

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