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Barriers to homeownership and housing quality: The impact of the international mortgage market
Institution:1. Boston University School of Medicine (S Tummala, W Zhong, and LE Marcil), Boston, Mass;2. Boston Medical Center (LE Marcil), Boston, Mass
Abstract:International mortgage markets can play an important role in stimulating affordable housing markets and improving housing quality in many countries. Unfortunately, international mortgage markets are often less developed than in the United State. This lack of development often translates into lower homeownership rates or lower housing quality. The problems faced in international mortgage markets include but are not limited to (1) legal systems that delay foreclosure proceedings, (2) incomplete or weak financial institutions, (3) high inflation, and (4) cultural barriers to mortgage market development and homeownership.
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