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International Housing Finance


In developing world economies, Habitat may apply new methodologies to its existing home building model.


Habitat’s basic home building and finance model:

  • Habitat builds and rehabilitates houses alongside homeowner families.
  • Uses volunteer labor.
  • Accepts donations of money and materials.
  • Homeowner families invest a down payment, monthly mortgage payments and hundreds of hours of their own labor.

Habitat’s home building and finance model in developing world economies:

  • New and innovative housing finance programs are designed through Habitat’s partnerships with microfinance institutions.
  • Effective and suitable for very low-income families.
  • Applied where appropriate.
  • Example: “Save and Build.” Group savings are matched by Habitat funds to build houses for group members.
  • Example: “Building in Stages.” Houses are built progressively with small loans that must be paid before the next stage of the house is built.

Learn more
Read about Habitat’s partnerships with microfinance institutions.