Abstract:
Bangladesh is one of the promising housing markets with considerable
growth potentials though it has been experiencing slow growth since 2010 due to
some major problems. To resolve the housing shortage and revive the growth
potentialities, providing housing finance is one of the important aspects that must be
considered to meet housing needs. Though there has been continued expansion of the
financial system, the need for housing finance remains inadequate. Many initiatives
have been taken, including government-subsidized housing finance to help people to
own a house, yet, low and middle-income groups have been confronting difficulties
to get housing finance. This paper presents a comparative study between two
specialized housing financial institutions in the development of housing sector in
Bangladesh. It has been found that BDH is doing much better than that of BHBFC
though it’s the pioneer specialized housing finance institution in Bangladesh. There
is also a discussion about factors affecting housing finance by these two specialized
housing finance institutions. Data are collected from secondary sources and
analyzed by using qualitative analysis and regression analysis by using SPSS
software.
