Table of Contents Abstract iii CHAPTER ONE 1 INTRODUCTION 1 Problem Statement 2 Rationale for the choice of topic 2 CHAPTER TWO 3 LITERATURE REVIEW 3 HOUSE FINANCE GLOBAL VIEW 3 HOUSING STRATEGY 4 CONDITIONS TO FACILITATE LENDING 8 DEMAND AND SUPPLY FOR HOUSING 8 TANZANIA HOUSING FINANCE THEORY 10 CHAPTER THREE 12 FINDINGS 12 Demand for housing finance 12 Current Condition in Tanzania 12 Access to Housing Finance 13 HOUSING POLICY AND HOUSING MARKET 14 ACCESS TO HOUSING FINANCE MAIN CHALLENGES 18 CHAPTER FOUR 21 CONCLUSIONS 21 References; 22

Abstract
We examine the extent to which markets enable the provision of housing finance across a wide range of Regions in Tanzania. Housing is a major purchase requiring long-term financing, and the factors that are associated with well functioning housing finance systems are those that enable the provision of long-term finance.
Across all countries, controlling for country size, we find that countries with stronger legal rights for borrowers and lenders (through collateral and bankruptcy laws), deeper credit information systems, and a more stable macroeconomic environment have deeper housing finance systems. These same factors also help explain the variation in housing finance across emerging market economies. Across developed countries, which tend to have low macroeconomic volatility and relatively extensive credit information systems, variation in the strength of legal rights helps explain the extent of housing finance.

CHAPTER ONE
INTRODUCTION
Because of its apparent social and political importance, housing finance for the poor seems an area ripe for policy and regulatory intervention by most governments. However, a survey of both developing and developed nations demonstrates that there is no clear model of an enabling policy and regulatory environment that sufficiently promotes equitable access to