An affordability challenge for the governments is the trade-off between cost and quality. The housing gap is a reality
for developing countries, and most frequently the gap is met by producing large numbers of low-cost housing units for
the maximum number of people. Declining affordability is known to adversely affect both owner occupiers and tenants.
The needy, due to an uninterested private sector, usually has either to depend on low quality housing mislocated in the
city, without supporting infra- and social structures, or on squatter dwelling. The second option, despite being informal
is responsive to the spatial and cultural needs of the users who ideally partake in the construction. The article queries
and explores the ways in which the process and cultural preferences of the users of squatter houses, as builder-owneroccupants,
are harmoniously intermingled in squatter housing; and draw housing policy implications through institutionalising
some of their potentials. Considering squatters are at the lowest stratum areas and that their housing constitutes
significant portion of the urban stock, governments pareto optimal which claims maximum good for the maximum
number of people at minimum cost is seemingly justified with the quite restricted budget of governments of developing
Keywords:Affordable Housing, Squatter Housing, User Preferences, User Lifestyles.
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