01305nam a22001337a 4500 533230 533230 260430b ||||| |||| 00| 0 eng d Harish, Swastik and Lala, Rasha Hasan 60347 Housing inequality and housing asset creation in urban INDIA: A finance lens Economic & Political Weekly 61(14), Apr 4, 2026: p.97-106 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 Economic & Political Weekly AR 0 0 ddc 0 0 408400 IIPA IIPA 2026-04-30 61(14), Apr 4, 2026: p.97-106 AR138741 2026-04-30 AR