In Zambia, the new government has promoted the home ownership scheme which involved the selling of public housing to sitting tenants. The Progromme faces the problems such as: (1) Credit finance is far beyond the reach of the low-income household. (2) Some of the legal registered tenants have not been occupying the houses. (3) Most of the sold housing are very old. The government trasfers the responsiblity of repairing the houses to the sitting tenants. The sale of public housing is reducing the amount of affordable housing in the low income housing market. It causes a increase in the number of squatter housing.
