Housing finance plays a pivotal role in all countries, both from a social and an economic-political point of view. The choice of an adequate housing finance system therefore is a key decision, especially for developing and transition countries that are struggling with a range of different problems such as imperfect capital markets, a weak banking sector, a low (long-term) savings rate, a lack of affordable financing options and difficult access to credit for low- to middle income groups. The Bauspar system adequately takes into account these conditions.
The international financial crisis is not a technical accident; it is system-inherent.
It is high time to draw lessons from it...
A video of the Verband der Privaten Bausparkassen
Duration: 08:49 min
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