Housing inequality and housing asset creation in urban INDIA: A finance lens
By: Harish, Swastik and Lala, Rasha Hasan
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Material type: 
BookPublisher: Economic & Political Weekly Description: 61(14), Apr 4, 2026: p.97-106.
In:
Economic & Political WeeklySummary: Using the All India Debt and Investment Survey, 2019, the literature on housing inequality, and national- and state-level housing policies, this paper examines the prevalence of housing assets and the debts incurred to create the same, across asset-holding classes. Housing assets are central to household portfolios, even for low-income households operating in the absence of formal finance, derisking instruments, and clear land rights. There is a case for incremental financialisation of households to improve their housing quality, creditworthiness and reduce risk. Housing policy must be reconceived as a series of interconnected measures, and private partnerships can play an enabling role to account for growing household needs over time.-Reproduced
https://www.epw.in/journal/2026/14/special-articles/housing-inequality-and-housing-asset-creation.html
| Item type | Current location | Call number | Vol info | Status | Date due | Barcode |
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Articles
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Indian Institute of Public Administration | 61(14), Apr 4, 2026: p.97-106 | Available | AR138741 |
Using the All India Debt and Investment Survey, 2019, the literature on housing inequality, and national- and state-level housing policies, this paper examines the prevalence of housing assets and the debts incurred to create the same, across asset-holding classes. Housing assets are central to household portfolios, even for low-income households operating in the absence of formal finance, derisking instruments, and clear land rights. There is a case for incremental financialisation of households to improve their housing quality, creditworthiness and reduce risk. Housing policy must be reconceived as a series of interconnected measures, and private partnerships can play an enabling role to account for growing household needs over time.-Reproduced
https://www.epw.in/journal/2026/14/special-articles/housing-inequality-and-housing-asset-creation.html
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