Housing Microfinance vs Regular Mortgages
- small amount vs huge amount
- short term vs long term
- urban & rural area vs urban area
- high interest rate compare to regular mortgages vs low interest rate
- no collateral for certain amount vs collateral mandatory
- targeted poor & very poor vs avoid poor & very poor
- also serving post disaster & post conflict vs not serving post disaster & post conflict
- TA as additional services vs do not provide TA
- need deep risk analysis vs regular consumer loan
Housing Microfinance vs Regular MF Loans
- impact borrower’s assets vs impact borrower’s income
- relatively larger amount vs may offer very small amount
- individual loans vs can be individual or group loans
- longer term vs can be very short term
- usually for existing client based on his performance vs available for all client
- need more liquidity analysis vs regular consumer loan
- need deep knowledge in legal aspects vs regular consumer loan
