Housing and settlement are basic human needs and welfare in the merits of life.Other than serves as a residence, house has a strategic function in its role as the center of family education, cultural conformity and improving the future generations quality.Settlement as a life supported environment to do the activities and livelihood has a close con

The mortgage and housing markets inEuropeplay a crucial role in the wider economy and in determining people’s welfare and quality of life since the housing markets are Spoon / Spatula affected by financial abilities of consumers and banking system products.The mortgage and housing markets both should constitute an efficient system that lead to im