Report on housing financing for the poor

10 August 2012
Special Rapporteur on the right to adequate housing
To the UN General Assembly at its 67th session


The Human Rights Council, in its resolution 15/8, requested the Special Rapporteur on adequate housing as a component of the right to an adequate standard of living, and on the right to non-discrimination in this context to identify best practices, challenges and obstacles to the full realisation of the right to adequate housing and to pay special attention to the needs of persons in vulnerable situations as well as those belonging to marginalized groups.

In her first report (A/HRC/10/7) to the Human Rights Council, the Special Rapporteur addresses the implications of certain financial, economic and housing policies on the right to adequate housing, in the context of the recent housing and financial crises. Her report addressed, inter alia, the impact of market-based housing finance policies on the realisation of the right to adequate housing.


In this report, the Special Rapporteur continues her previous work by examining national policies promoting access to homeownership and affordable housing for the poorest segments of society or other marginalized groups. The report focuses on policies and programmes which aim to promote access to adequate housing for the poor through:

  • the provision of credit to individuals and families;
  • public, private of quasi-private financial institutions (such as private and public banks and other credit institutions including those dealing with microfinance, Government loans corporations, credit unions and savings groups, etc.); and
  • public subsidies or tax exemptions.


The Special Rapporteur circulated a questionnaire to solicit information from States, local authorities and civil society for the preparation of the report.
Questionnaire on housing financing for the poor (English | French | Spanish)

Inputs received