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Housing policies create conducive environment for housing improvement in a country, particularly for low-income earners in informal settlements as a result of inadequacy in the shelter delivery system and by so doing, appropriate housing finance-strategies for low income households can be improved. The objective of this book is to provide an assessment of various strategies which can promote affordable housing for the urban low-income earners through lending finance-institutions. The underlying questions for this book are the following: What are the lending conditions set by the existing housing finance-institutions? Who is qualified to acquire loan from the existing housing finance institutions? What should be advised as appropriate housing financial strategies to develop affordable housing for low-income earners?