What is it about?
Our study examines the nexus between urbanisation and housing finance. We decoupled the housing finance market into owner-occupier and housing investment and found that urbanisation has a telling effect on loan commitment for owner-occupiers but not for investors.
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Why is it important?
The findings could aid the formulation of more targeted housing finance policies, in turn, helping develop a more resilient housing market, especially in countries with high urbanisation rates.
Perspectives
The study brings to the fore the importance of understanding housing finance systems to support the housing market.
Mustapha Bangura
University of Technology Sydney
Read the Original
This page is a summary of: Urbanisation and housing finance nexus: Evidence from Australia, Habitat International, September 2023, Elsevier,
DOI: 10.1016/j.habitatint.2023.102897.
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