The Iraq policies of National Housing have been working for a long time to develop the possible solutions  for obtaining housing for all Iraq families. Policies have not achieved their objectives in a true manner. The problem of housing in Iraq has become one of the most important problems facing urban development in the country. This study is focused on a theoretical framework for housing. It  adopts the most important economic and normative characteristics to be followed to achieve the development of the housing sector in Iraq. While these criteria the size of the housing unit, the level of family income, the system of borrowing required and the last one is the ownership to achieve adequate housing. The recognition of proper housing is a necessity for social welfare. Iraq did not have a national housing policy with a clear program. A number of housing programs associated with housing since independence have been implemented by various governments, including people with low-income. The policies have been lacking in continuity and development for providing adequate economic conditions and residential.

The concept of residential tenure refers to the ability of the individual to pay the cost of the residential land as well as the design and implementation of the residential units. This is all related to the size and style of the housing unit required and the factors affecting it, including the planning, design, implementation and the operation costs, which are the important characteristics in the production of a modern house, which related to the ability to allocate a part of the budget monthly or annually for the purpose of providing housing suitable for life. Also the reliability of the building by using cost effective common areas, indoor and outdoor spaces, aimed at improving residential efficiency is increased despite the numerous methods of the residential units implementation, but it was found through the survey, that the desire of most residents to obtain soft loans to get the main sources of funding is in public funding, which depends on the government budget, private financing, which includes self-financing by the people themselves, bank financing, or successive financing, which depends on the partnership between the public and the private sectors.