نوع مقاله : مقاله پژوهشی
عنوان مقاله English
نویسندگان English
Iran's housing crisis, driven by high inflation and inefficiencies in traditional financing systems, necessitates redefined financial mechanisms and innovative models. While advancements in financial knowledge and technology have introduced diverse tools in financial markets—each addressing specific challenges—their effective use requires oversight from a centralized institution to determine the timing, resource allocation, and implementation stages of housing projects. This institution would coordinate these tools to optimize resource distribution and enhance financing system dynamism.
This research examines existing financial instruments through content analysis and expert interviews, concluding that current tools lack efficiency in Iran’s economic climate due to inflation and the absence of an integrated institutional framework. The proposed model centers on the **National Housing Fund** (established under the 2021 Housing Production Leap Law) as a pivotal institution. It integrates multi-market financial tools, such as public-private partnerships, lease-to-own contracts, and foreign investment participation, within a unified framework.
Key findings indicate that this hybrid approach—combining institution-building with simultaneous use of diverse financial instruments—not only mitigates the housing crisis but also incentivizes private sector engagement through profit-driven participation. Mechanisms like the "finance supply chain" enable households to address housing needs through future income streams rather than relying solely on past savings. Additionally, reducing fiscal pressure on the government allows concurrent execution of large-scale developmental projects. By fostering coordination between public and private stakeholders, the model aims to balance supply-demand dynamics and establish a sustainable housing finance ecosystem.
کلیدواژهها English
