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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
Support Municipalities to formulate Municipal Housing Strategies
Establishment of Municipal Housing Agencies (MHAs) as Municipal sustainable instruments for development and management of housing projects
Template documentation and standardised procedures
Support formulation process for National Housing Policy and Strategy for Social Housing
UN-HABITAT SIRP Housing Component in 7 Municipalities
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
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
The loan beneficiaries are:
refugees, former refugees
Live as tenants
Live in own house that has inadequate living conditions
Two typical cases will be eligible to the beneficiaries that have started construction:
Legally, with a proper building permit,
Without building permit, but have entered in the process of legalization of their house.
The small grant scheme is a part of the pilot exercise of upgrading and regularization of the Roma settlement in Kraljevo.
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.