Recovering housing infrastructure investments

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Innovative housing finance approaches have been tries in many countries. While the purpose has been good and the schemes have income isolated cases been satisfactory, cost recovery has often failed. The reasons can be understood: a poor family cannot repay a loan without steady income; food clothing and children's education are more often priorities and the portion of the family income left over may not suffice for loan repayment. Aspiring politicians have also ruined many good cost recovery schemes by advising people not to pay. Is cost recovery really the key? Do we need housing finance to house the poorest?