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    <subfield code="a">Cu Huy Giai</subfield>
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    <subfield code="a">Housing conditions and housing finance for low-income households in Hanoi, Vietnam</subfield>
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    <subfield code="a">Bangkok :</subfield>
    <subfield code="b">Asian Institute of Technology,</subfield>
    <subfield code="c">1992</subfield>
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    <subfield code="a">Thesis ;</subfield>
    <subfield code="v">no. HS-92-08</subfield>
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    <subfield code="a">A thesis submitted in partial fulfillment of the requirement for the degree of Master of Science </subfield>
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    <subfield code="a">Thesis (M.Sc.) - Asian Institute of Technology</subfield>
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    <subfield code="a">The thesis studied the housing development for low income  people in Hano i Vietnam, with regard to housing finance and credit  system for low income households.  It was found that, due to economic difficulties State could  not subsidize housing for all its employees . Most of them have to  wait for a long time to get a house. The housing conditions of  people in Hanoi, particularly low income households, worsen with  time. The government had issued many measures for housing  development such as State-and-People-Partnership, Housing for Sale,  Self-Help Construction. However, due to fault in operation and  management of above mentioned systems, and low income of  households, most of households can not save money, so low income  people in Hanoi is still facing housing problem.  Up to 1986 in Vietnam the economic reform had opened new ways  for the economic development, based on the multi-sector  participation, with the goal to improve overall living condition  for population. In this social-economic environment the Hanoi Bank  for Housing Development ( HABUBANK ) had been established . It gives  low income people of city a good opportunity in housing finance for  themselves. Operation of HABUBANK is based on the housing business.  Many of loans was contributed, which improved housing condition of  low income people of city of Hanoi. However, the income of people  still low, which was above mentioned, so Hanoi Bank for Housing  Development have to allow loan to be small, so that poor people  make required payment.  Based on the study findings, the report recommendation  immediate some measures to eliminate effectless housing development  systems and to improve housing finance and credit system for low  income households in Hanoi. </subfield>
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