Housing is one of the most major expense for any poor family to spent in one go, particularly for those living below poverty line. People in poorer segment face high land prices, complicated or completely absent land titling processes, costly building materials, and low incomes or savings. To manage this situation, many turns to a process called incremental building whereby people build and expand their home over time as either surpluses or support funding becomes available. TMF offer housing finance loans to low-income people to help address this demand. Depending on the product, loans may cover the renovation or expansion of an existing home, construction of a new home, or basic infrastructure improvements, such as electricity or sanitation. Mortgages to purchase a home are less common but exists in some markets. As with other microloans, housing finance loans are typically not secured by collateral, and are largely based on either a group guarantee or other social capital.