There are schemes to finance homebuilding  Affordability is a key challenge for slum-dwellers to enter the housing sector - challenges range from being able to access capital required to buy property, to the volatile prices in Africa’s property market. Improving housing in slums enables dwellers a choice to exit and move up the property ladder. Different approaches have emerged of how provide a means to access finance and generate property markets.  First, housing micro-finance schemes are presenting a flexible means to access credit [1] . Second, cooperative loans, such as Nigeria’s FMBN (Federal Mortgage Bank of Nigeria) are acting to increase homeownership by providing a secondary mortgage market for low-income families and make finance available. The aim is to ensure repayments are equal to rent costs paid.  [1] See further readings: Riecke, 2013.