Third, delivery of essential public services such as education and health to large parts of our population is a major institutional challenge. It is strongly felt that education will empower the poor to participate in the growth process and the large gaps in availability of health care, in terms of minimum access to the poor, need to be filled.
This information allows the calculation of loan-to-value (LTV), loan-to-income (LTI) and debt-to-income (DTI) ratios for household mortgages on a regular basis, both at the origin of the contract and over its life span.