UN-HABITAT SIRP  Three models of  small housing loans ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of  the Sett...
<ul><li>The SIRP Programme is implemented by UN-HABITAT in collaboration with the Ministry of Capital Investments of Repub...
<ul><li>H ousing   </li></ul><ul><ul><li>policies, instruments,  530 new and 140 alternative housing solutions  </li></ul>...
<ul><li>530 new housing units for public rental housing  </li></ul><ul><li>140 alternative housing solutions </li></ul><ul...
<ul><li>Support  Municipalities to formulate Municipal Housing Strategies  </li></ul><ul><li>Establishment of Municipal Ho...
Parts of alternative housing solutions are the small loans and grants to vulnerable households  Three different models hav...
<ul><li>The loan scheme: </li></ul><ul><li>Small loans for purchase of construction material for finalization of the const...
<ul><li>Application will comprise the following pre-requisites: </li></ul><ul><li>Submission of valid documentations, rega...
<ul><li>The loan scheme: </li></ul><ul><li>The loan beneficiaries will benefit from attractive financial schemes to comple...
<ul><li>Criteria for selection </li></ul><ul><li>legal pre-conditions include formal proof of property or leasehold on lan...
<ul><li>The small grant scheme is a part of the pilot exercise of upgrading and regularization of the Roma settlement in K...
<ul><li>The grant scheme: </li></ul><ul><li>The grant beneficiaries will poor Roma families to improve housing conditions ...
<ul><li>Criteria for selection </li></ul><ul><li>Based of the results of the survey in the settlement and other criteria <...
<ul><li>UH-HABITAT SIRP is implementing microcredit schemes through  </li></ul><ul><li>building the capacities of local au...
<ul><li>Thank you for your attention   </li></ul>ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of  the Settlemen...
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UN-HABITAT SIRP Three models of small housing loans

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  1. 1. UN-HABITAT SIRP Three models of small housing loans ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP) Exploring Opportunities for Improving Housing Microfinance Services for Roma 12 -13 April 2007, Skopje, Macedonia
  2. 2. <ul><li>The SIRP Programme is implemented by UN-HABITAT in collaboration with the Ministry of Capital Investments of Republic of Serbia </li></ul><ul><li>SIRP is implemented in 7 Municipalities in Serbia </li></ul><ul><li>SIRP duration is July 2003 – December 2008 </li></ul><ul><li>SIRP is funded by the Italian Government with 15 million EURO </li></ul><ul><li>Partners at the local level are Municipal authorities, Municipal Housing Agencies and local NGOs </li></ul>UN-HABITAT SIRP Settlement and Integration of Refugees Programme
  3. 3. <ul><li>H ousing </li></ul><ul><ul><li>policies, instruments, 530 new and 140 alternative housing solutions </li></ul></ul><ul><li>M unicipal </li></ul><ul><ul><li>local strategic development plans, capacity building </li></ul></ul><ul><li>I ntegration of refugees </li></ul><ul><ul><li>social and economic integration of refugees and local vulnerable population </li></ul></ul>UN-HABITAT SIRP Programme Components 7 Municipalities of Serbia Valjevo Stara Pazova Pancevo Nis Kraljevo Kragujevac Cacak
  4. 4. <ul><li>530 new housing units for public rental housing </li></ul><ul><li>140 alternative housing solutions </li></ul><ul><li>Project design documentation through open architectural competitions </li></ul>UN-HABITAT SIRP Housing Component in 7 Municipalities
  5. 5. <ul><li>Support Municipalities to formulate Municipal Housing Strategies </li></ul><ul><li>Establishment of Municipal Housing Agencies (MHAs) as Municipal sustainable instruments for development and management of housing projects </li></ul><ul><li>Template documentation and standardised procedures </li></ul><ul><li>Support formulation process for National Housing Policy and Strategy for Social Housing </li></ul>UN-HABITAT SIRP Housing Component in 7 Municipalities
  6. 6. Parts of alternative housing solutions are the small loans and grants to vulnerable households Three different models have bee developed Three models of UN-HABITAT SIRP small housing loans No No $ 96 to 161 8% In kind $5,000 50% 4 months 50-10 years $10,000 Refugees, IDPs, local population Loans No No $ 28 to 49 6% In-kind $ 2,000 50% 4 months 50-10 years $ 4,000 Refugees Local population Loans Yes Yes - - In-kind 100% - - $ 2,000 Poor Roma families Grants Support Programmes Technical assistance to beneficiaries Repayment per months Inters rate Beneficiaries Contribution Subsidies Grace period Repayment period Maximal loan/grant size ($) Beneficiaries Model
  7. 7. <ul><li>The loan scheme: </li></ul><ul><li>Small loans for purchase of construction material for finalization of the construction and improvement of housing conditions of partly constructed family houses of refugees and other low-income population </li></ul><ul><li>The loan beneficiaries are: </li></ul><ul><li>refugees, former refugees </li></ul><ul><li>local population </li></ul><ul><li>Live as tenants </li></ul><ul><li>Live in own house that has inadequate living conditions </li></ul><ul><li>Two typical cases will be eligible to the beneficiaries that have started construction: </li></ul><ul><li>Legally, with a proper building permit, </li></ul><ul><li>Without building permit, but have entered in the process of legalization of their house. </li></ul>Small loans for purchase of construction material
  8. 8. <ul><li>Application will comprise the following pre-requisites: </li></ul><ul><li>Submission of valid documentations, regarding land use, building permissions, and planning conditions. </li></ul><ul><li>The construction material will be granted in the cases that these means could finalize the minimal housing unit that is required, considering the number of family members. </li></ul><ul><li>Eligible works </li></ul><ul><li>net area of a housing unit should not exceed 20 m 2 per household member </li></ul><ul><li>overall construction cost must have a value lower than 520 USD/m 2 . </li></ul><ul><li>application of standard non-luxurious materials and equipment. </li></ul>Small loans for purchase of construction material
  9. 9. <ul><li>The loan scheme: </li></ul><ul><li>The loan beneficiaries will benefit from attractive financial schemes to complete unfinished individual houses </li></ul><ul><li>The direct beneficiaries will be tenants, under low-profit rental conditions, of individual homeowners </li></ul><ul><li>The house will be shared in two units, the 1st one for self-occupation and the 2nd to be rented to the direct beneficiaries. </li></ul><ul><li>The loan beneficiaries are: </li></ul><ul><li>Owners of an unfinished family house </li></ul><ul><li>The direct beneficiaries are </li></ul><ul><li>refugees, former refugees </li></ul><ul><li>IDPs </li></ul><ul><li>local population </li></ul><ul><li>Live as tenants </li></ul><ul><li>Two typical cases will be eligible to the beneficiaries that have started construction: </li></ul><ul><li>Legally, with a proper building permit, </li></ul><ul><li>Without building permit, but have entered in the process of legalization of their house. </li></ul>Creation of private rental units in unfinished family houses
  10. 10. <ul><li>Criteria for selection </li></ul><ul><li>legal pre-conditions include formal proof of property or leasehold on land </li></ul><ul><li>non-possession of other housing property at territory of Serbia </li></ul><ul><li>a building permit or an official note that the house could be legalized </li></ul><ul><li>household income limit - a upper income limit per household member </li></ul><ul><li>Eligible works: </li></ul><ul><li>net area of a housing unit should not exceed 20 m 2 per household member </li></ul><ul><li>overall construction cost must have a value lower than 650 USD/m 2 </li></ul><ul><li>Application of standard and non-luxurious materials and equipment </li></ul>Creation of private rental units in unfinished family houses
  11. 11. <ul><li>The small grant scheme is a part of the pilot exercise of upgrading and regularization of the Roma settlement in Kraljevo. </li></ul><ul><li>The exercise is programmed through improvement of infrastructure, preparation of the urban plan, and self-help construction based on active participation of local community, professionals and municipal technicians and officials. </li></ul>Grants to the poorest Roma Families
  12. 12. <ul><li>The grant scheme: </li></ul><ul><li>The grant beneficiaries will poor Roma families to improve housing conditions </li></ul><ul><li>The grant is steered to purchase of construction material for building baths and toilets as additional units to existing house </li></ul><ul><li>The grant will include: technical assistance to families and executive project design </li></ul><ul><li>Professional assistants to families – builders, plumbers, electrical craftsman </li></ul><ul><li>Contribution of families in labour </li></ul><ul><li>The loan beneficiaries are: </li></ul><ul><li>Poor Roma families inhabitants of “Grdicka kosa 2” settlement </li></ul>Grants to the poorest Roma Families
  13. 13. <ul><li>Criteria for selection </li></ul><ul><li>Based of the results of the survey in the settlement and other criteria </li></ul><ul><li>Existing living conditions and economic status of the family </li></ul><ul><li>Numbers of children, etc </li></ul><ul><li>Representatives from local Roma community and MHA will select families, based on the criteria </li></ul><ul><li>Eligible works: </li></ul><ul><li>overall construction cost must have a value of 2000 USD. </li></ul><ul><li>Application of standard and non-luxurious materials and equipment      </li></ul>Grants to the poorest Roma Families
  14. 14. <ul><li>UH-HABITAT SIRP is implementing microcredit schemes through </li></ul><ul><li>building the capacities of local authorities, and </li></ul><ul><li>local communities (beneficiaries) </li></ul><ul><li>to organize themselves and start working on housing and infrastructure for vulnerable population </li></ul><ul><li>The process includes: </li></ul><ul><li>Needs assessment </li></ul><ul><li>Standardised selection procedure including a legal and technical application model </li></ul><ul><li>Processing, ranking and decision on awarding loans </li></ul><ul><li>Loan contracting </li></ul><ul><li>Monitoring of the process </li></ul><ul><li>Collection of repayments </li></ul><ul><li>Repayment to the national housing finance institution </li></ul>Conclusion
  15. 15. <ul><li>Thank you for your attention </li></ul>ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP) www.unhabitat.org.yu [email_address]
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