The report is about housing finance reforms in Bangladesh. This policy paper discusses the present state of the housing finance market in Bangladesh and makes recommendations on policy reform options. Despite development economists increasingly attributing economic and social importance to housing finance, the housing finance system in Bangladesh remains largely underdeveloped. Private mortgages are small and unaffordable available only from a few institutions, many of them with persistent public sector ties. In addition to being expensive, housing finance continues to favor higher-income salaried employees and landlords.