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Barriers preventing marginal income groups from accessing housing finance

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dc.contributor.author Shelembe, Sipho Dennis
dc.date.accessioned 2007-10-22T13:23:56Z
dc.date.available 2007-10-22T13:23:56Z
dc.date.issued 2006
dc.identifier.other 306798
dc.identifier.uri http://hdl.handle.net/10321/104
dc.description Thesis (M.B.A.)-Business Studies Unit, Durban University of Technology, 2006 v, 96 leaves, Annexures A-F en
dc.description.abstract 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. en
dc.language.iso en en
dc.subject Housing--Finance en
dc.subject Housing management--South Africa en
dc.subject Financial institutions--South Africa en
dc.subject Low-income housing--South Africa en
dc.subject Housing subsidies--South Africa en
dc.subject Management--Dissertations, Academic en
dc.title Barriers preventing marginal income groups from accessing housing finance en
dc.type Thesis en


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