The World Bank and UN-Habitat have defined a cut-off point at which owner-occupied or rental housing is deemed unaffordable, which has been used for tracking housing affordability over time as part of the agency’s Urban Indicators Programme. Housing is generally deemed affordable when a household spends less than 30 pet cent of their income on housing-related expenses, such as mortgage repayments (owners), rent payments(renters), and direct operational expenses such as taxes, insurance and service payments. Except for Latin America and the Caribbean (LAC), all subregions with significant slum prevalence recorded higher slum growth than the global urban population change average, with the highest rates recorded in sub-Saharan Africa (SSA) at 3.9 per cent and South-East Asia at 3.0 per cent."'