GOPA Housing Finance
Who We Are
GOPA is a leading international cooperation consultancy delivering strategic advice and technical expertise for sustainable development in complex settings. Our Financial Sector Development team advances financial inclusion through innovative products, tailored credit and savings solutions, blended finance programs, and strengthened regulatory and supervisory frameworks.
Why Housing Finance Matters
Around the world, housing shortages and rising costs are leading to exclusion, homelessness, and poor-quality living conditions. This crisis affects not only the most vulnerable—such as young people, single-parent and large families, and low-income workers—but increasingly the middle class as well.
At the same time, international experience shows that housing construction is a powerful engine for economic growth. It stimulates demand for goods and services, creates jobs, boosts private sector income, and catalyzes entrepreneurship. Developing sustainable housing finance is therefore essential—not only to meet a basic social need, but also to foster financial sector development and inclusive prosperity.
Our Aproach
GOPA supports governments, financial institutions, and development partners in:
• Designing and implementing housing finance programs (including social and affordable housing)
• Developing tailored lending products and savings schemes for banks and mortgage companies
• Strengthening regulatory, environmental, and social standards
• Promoting energy-efficient and climate-resilient housing investments
• Building capacity through training and technical assistance
Project Highlights
Armenia: Energy-Efficient Housing Finance
• Developed energy-efficient mortgage products and national building standards
• Disbursed 643 loans, with 40% supporting energy-efficient housing
• Trained over 350 bank and mortgage staff
• Created a tool to measure climate impact of investments (access it here)
Kyrgyzstan: Housing Finance Programme
• Supported financial institutions in developing rural and energy-efficient housing loan products
• Enhanced capacity in credit risk management, refinancing, and green finance
• Facilitated €20 million in loans for energy-efficient housing for low-income households
Tajikistan and Nigeria: Housing Microfinance
• Introduced housing microfinance products for low-income and rural households
• Assessed market demand and institutional readiness
• Recommended strategies for scaling up home improvement loans and awareness campaigns
Lithuania: Social and Affordable Housing
• Study on housing sector and existing social housing policy measures
• Long term housing strategy and optional social and affordable housing schemes
Our Impact
• Increased access to affordable, energy-efficient housing
• Strengthened capacity of financial institutions
• Enhanced environmental and social standards
• Boosted job creation and economic growth
• Improved quality of life for thousands of households
For further information, please contact: Sigitas Bubnys, Director Financial Sector Development sigitas.bubnys@gopa.eu
