Arab women and affordable housing: falling short?

Women are losing out on new homes despite a push by Gulf governments to implement affordable housing schemes, argues Dr Mona Al Munajjed

Gulf Cooperation Council (GCC) governments are meeting the challenge of providing affordable housing for low- and average-income nationals through some bold initiatives and strategies. But women still face discrimination under most GCC regulations for getting land, housing or interest-free construction loans.

Although international conventions recognise the right of all human beings to equal access to land and housing, including women and those living in poverty, women in the GCC countries still face legal and social discrimination in their access to housing, as they are not granted the same rights as men to the affordable housing services provided by their governments. Gender discrepancies are emanating from the patriarchal system favouring men over women and giving priority to adult males in housing distribution. Some GCC governments have acknowledged the problem and issued new legislative and administrative reforms to improve the access of poor, divorced and widowed women to affordable housing, but these measures don’t go far enough.

The Bahrain Ministry of Housing does not grant women the same rights as men for getting housing units or receiving loans to purchase housing. Bahraini women are granted houses from the government only if they are widowed or divorced with custody of their children. New amendments in 2004 to the Housing Law granted housing services for working women with stable incomes supporting their family and with no real estate. However, this only partially benefits women as they still need their husbands’ permission to request assistance to own a housing unit, which they may not be entitled to in the case of divorce.

The Kuwaiti Housing Law excludes Kuwaiti women, whether single or married, from taking advantage of the government’s low-interest housing-loan policy, which is usually provided to Kuwaiti men who are heads of families. Divorced or widowed women from low-income groups suffer the most as they lose their claim to homes purchased initially through this programme even if they made previous payments on the loan. Exceptionally, divorced women with children can claim a rent allowance if they do not remarry and have no financial support. A Kuwaiti woman married to a non-citizen cannot by law qualify for a government housing loan programme.

The Kuwaiti government has recently made some serious efforts to provide housing services for Kuwaiti women, especially divorcees, widows, those married to non-Kuwaitis and unmarried women who have lost both parents. An agreement was reached in August 2010 between the Cabinet and Parliament’s Women’s Affairs Committee to establish a fund of almost $ 1.8bn for women’s housing. The Public Authority for Housing Welfare issued a new regulation in July 2011 giving eligible women access to a residential loan of $250,000, increasing the demand for condominium apartments throughout the country. The Kuwaiti government has constructed special apartment buildings for divorced women and childless couples but this has led to their social isolation and marginalisation.

Under the old Omani Housing Law, all working men over 25 were granted land to build private housing using a low-interest mortgage. Exceptionally, divorced women would get a free tract of land. To ensure gender equality between its citizens, Oman amended its land law in November 2008 by granting Omani men and women equal rights to own residential land. However, cultural norms and local traditions are still an obstacle for women to gain access to housing independently. Housing loans and land-ownership applications remain discriminatory, giving fewer women the opportunity to become landowners. In April 2009, the government started allocating land to Omani women. In June 2011, major changes were introduced to the Housing Law issued by Royal Decree Number 37/2010 by providing an Omani woman married to a non-Omani entitlement to housing assistance with her children, as well as Omani male and female offspring with no breadwinners in the family.

The Housing Law introduced in Qatar in 2007 secured housing services for men and women, expanding the opportunities for Qatari and non-Qatari women to take advantage of government housing programmes. Qatari women married to foreign nationals residing in the country for the previous five years can also benefit from government housing, as well as widows and divorced women with children who have not inherited homes from their husbands, and unmarried women over 35 years old who support members of their family.

Those with special needs are also eligible for state housing assistance. All Qatari government employees, both male and female, are entitled to a minimum loan of $220,000 to buy a plot of land to build a house. The amount may be raised to $330,000. However, there is still discrimination when applying the law: A man is given priority as he is considered the head of the household and responsible for providing housing for his wife and children. The Supreme Council for Family Affairs is currently working with relevant ministries to secure the rights of women under the housing law.

Article continued on next page

Join the Discussion

Disclaimer:The view expressed here by our readers are not necessarily shared by Arabian Business, its employees, sponsors or its advertisers.

NOTE: Comments posted on may be printed in the magazine Arabian Business

Please post responsibly. Commenter Rules

  • No comments yet, be the first!

All comments are subject to approval before appearing

Further reading

Features & Analysis
Trading bricks: The growing popularity of real estate investment trusts in the Gulf

Trading bricks: The growing popularity of real estate investment trusts in the Gulf

Investor interest in real estate investment trusts (REITs) has...

Abu Dhabi real estate: Down, but not out

Abu Dhabi real estate: Down, but not out

While there has been evidence of rents in the richest emirate...

Forgotten fees: the challenge of investing in Dubai property

Forgotten fees: the challenge of investing in Dubai property

Investors attracted to low service charges at some Dubai residential...

Most Discussed