The lack of affordable housing is a severe problem for low-income families in Mexico. Insufficient access to financing and materials along with a lack of technical skills preclude low-income families from living in safe and adequate conditions. In order to understand this problem better and serve low-income communities with a market-based solution, CEMEX invested in extensive research and analysis. As a result, PH was founded in 1998 to provide low-income families with access to financing, building materials, technical expertise and related services, allowing them to build or expand their homes more quickly and efficiently. This inclusive business model aims to provide low-income families in urban and semi-urban areas with access to affordable housing through flexible and customized products and services.