Presentation by Kecia Rust, Centre for Affordable Housing Finance in Africa as part of the 29th annual conference of the African Union for Housing Finance.

1. 1
Housing Investors Dashboard
Capturing the right data, identifying the gaps
Kecia Rust
African Union for Housing Finance
29th Annual Conference, Mobilising Capital for Housing Finance
Mauritius, 12 September 2013

2. What does a business case for
investment in housing look like?
2

3. lA
Se
ne
ga
fri
l(
ca
20
n
10
Re
M
Ho
pu
oz
fin
bl
am
ic
et
bi
(2
)
qu
00
e
5
(2
Bu
W
00
B)
rk
8
in
Ho
aF
fin
as
Ta
o
et
nz
(2
)
an
01
ia
3
W
(2
B)
01
3,
Ni
TM
ge
ri a
RC
(2
)
01
Gh
3
an
W
a(
Ca
B)
20
m
er
13
oo
W
n
B)
(2
M
00
ala
5
W
w
B)
i(
20
Ug
13
an
da
W
B)
(B
Eg
oU
yp
t(
20
20
12
11
)
Zim
Al
Ho
ge
ba
fin
ri a
bw
et
(2
)
e
Bu
01
(2
ru
3
01
nd
W
2
B)
i(
re
20
sp
13
on
se
W
Za
B)
fro
m
m
bi
a(
CA
20
BS
12
)
Ho
Ke
fin
ny
et
a(
Bo
)
20
ts
13
wa
W
na
B)
(2
Rw
01
an
3
W
da
Se
B)
(2
yc
01
he
0
lle
W
s(
B)
20
Tu
13
ni
M
W
sia
au
B)
(2
ri
01
us
3
W
(2
01
B)
M
1
or
Ho
oc
fin
Na
co
So
et
m
ut
(2
ib
h
01
ia
Af
3
(2
ric
W
01
a(
B)
1
20
Ho
12
ow fine
t)
n
an
al
ys
is)
Ce
nt
ra
Percent
Housing data is scarce
2
0,07
0,07
0,14
0,29
0,32
0,38
0,45
0,5
0,51 0,98
1
1,15 1,19
3
Mortgages as a percent of GDP
33.9
20
18
18,21
16
14
12,99
10
4
1,2
1,53
1,88
2,29
2,3
Source: World Bank data from Simon Walley; email correspondence from country-level prac
13,85
12
9,25
8
6
2,9
0
oners; Hofinet; own analysis.

4. 4
The dashboard project
 Identify housing finance players:
about 146 found
 Survey a sample: about 30
interviewed
 Build a prototype dashboard of
data: SADC + Kenya, Ghana,
Nigeria: 450 data points
 Track data over 5 years: 20072012
Lessons
 Too much data, not enough
analysis
 Too little data! Many data gaps
 What does it all mean?
 Overlooking the really
interesting stories

5. Narrowing the focus & changing the view
5

6. Narrowing the focus & changing the view
6

7. Narrowing the focus & changing the view
7

8. Narrowing the focus & changing the view
8

9. Narrowing the focus & changing the view
9

10. Narrowing the focus & changing the view
10

11. Narrowing the focus & changing the view
11

12. Narrowing the focus & changing the view
12

13. Narrowing the focus & changing the view
13

14. Narrowing the focus & changing the view
14

15. Narrowing the focus & changing the view
15

16. Narrowing the focus & changing the view
16

17. Narrowing the focus & changing the view
17

18. Narrowing the focus & changing the view
18

19. Narrowing the focus & changing the view
19

20. Narrowing the focus & changing the view
20

21. 21
Still a long way to go…
 Sharper views, better Housing data is still missing:
comparisons: housing we need to collect it, and we
focus
need to create it
 Policy & legislative
links
 Market scoping &
opportunity
 Regular (annual)
updates
Building material indices
House price indices
Property market indices
Lender data: products,
origination, performance, book
 Central bank data: mortgage,
pension, microfinance data,
NPLs, etc.





22. In South Africa, we have been able to track
mortgage loan performance by sub-market
% of loans 90+ days
South Africa: nonperforming loans by
calendar date (Mortgage
bonds originated between
2004 and 2008, mortgages
from big 4 banks)
8% of FSC (low-income targeted)
mortgages and 8.4% of Non-FSC
(regular market) mortgages were
90 days or more in arrears in
February 2012
Source: Deeds office data sourced from the ALHDC and XDS. Analysis by Eighty20.
22

23. Deeds registry data creates new opportunities
23

24. Deeds registry data creates new opportunities
24

25. Deeds registry, combined with census data takes
it even further…
25

26. 26
Other efforts: the Developing Smart Cities Portal

27. 27
Thank you!
Kecia Rust
kecia@housingfinanceafrica.org
www.housingfinanceafrica.org
+2783 785 4964
Download the Housing Finance in Africa
2013 Yearbook from
http://www.housingfinanceafrica.org
40 country profiles and 4 regional profiles.