Mozambique is classified as a Sub-Saharan low-income economy and it comes from the poorest economies in the Southern African Development Community (SADC) region. Mozambique has a population in2017 28.8 million people.  Low-income, middle-income young people are worried about housing.  Legislation on the property is poor and widely disregarded by the market. Since 2015, the country has been facing an unstable macroeconomic environment. Mortgages in Mozambique have a maturity of 12 to 25 years. Lending criteria reflect the banking industry’s cautiousness, and loan-to-value maximums are generally capped at 70 percent. Interest rates are still high at 16 to 22.5 percent. The government is the largest local institutional investor in affordable housing in Mozambique and supported the housing market through Fund for Housing Promotion (FFH) and it is controlled by the Ministry of Public Works, Housing, and Water Resources (MOPHRH. In  Mozambique, the business model is to build housing and sell it to targeted population groups through a 20-year payment program with fixed interest rates of 5 % to 10%.

Twenty-nine notable construction companies operate in the Mozambican market.
Mozambique’s construction sector is reviving despite the economic and financial
crisis, while remaining below 2014 levels.18 The end of 2018 was marked by the
slow start of some residential projects in the main areas of Maputo. However,
most of the planned projects for the Maputo Ring Road area are still waiting for
a better economic climate, except in the Dona Alice area, where buoyancy is
evident. Transactions during 2018 were subdued, with housing values falling 16
percent in the Polana Cimento (middle and high income) zone and 4 percent in
Sommerschield area (high income).