UN-HABITAT SIRP Three models of small housing loans
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UN-HABITAT SIRP Three models of small housing loans

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    UN-HABITAT SIRP Three models of small housing loans UN-HABITAT SIRP Three models of small housing loans Presentation Transcript

    • 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
      • The SIRP Programme is implemented by UN-HABITAT in collaboration with the Ministry of Capital Investments of Republic of Serbia
      • SIRP is implemented in 7 Municipalities in Serbia
      • SIRP duration is July 2003 – December 2008
      • SIRP is funded by the Italian Government with 15 million EURO
      • Partners at the local level are Municipal authorities, Municipal Housing Agencies and local NGOs
      UN-HABITAT SIRP Settlement and Integration of Refugees Programme
      • H ousing
        • policies, instruments, 530 new and 140 alternative housing solutions
      • M unicipal
        • local strategic development plans, capacity building
      • I ntegration of refugees
        • social and economic integration of refugees and local vulnerable population
      UN-HABITAT SIRP Programme Components 7 Municipalities of Serbia Valjevo Stara Pazova Pancevo Nis Kraljevo Kragujevac Cacak
      • 530 new housing units for public rental housing
      • 140 alternative housing solutions
      • Project design documentation through open architectural competitions
      UN-HABITAT SIRP Housing Component in 7 Municipalities
      • 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
      • The loan scheme:
      • 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
      • local population
      • 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.
      Small loans for purchase of construction material
      • Application will comprise the following pre-requisites:
      • Submission of valid documentations, regarding land use, building permissions, and planning conditions.
      • 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.
      • Eligible works
      • net area of a housing unit should not exceed 20 m 2 per household member
      • overall construction cost must have a value lower than 520 USD/m 2 .
      • application of standard non-luxurious materials and equipment.
      Small loans for purchase of construction material
      • The loan scheme:
      • The loan beneficiaries will benefit from attractive financial schemes to complete unfinished individual houses
      • The direct beneficiaries will be tenants, under low-profit rental conditions, of individual homeowners
      • The house will be shared in two units, the 1st one for self-occupation and the 2nd to be rented to the direct beneficiaries.
      • The loan beneficiaries are:
      • Owners of an unfinished family house
      • The direct beneficiaries are
      • refugees, former refugees
      • IDPs
      • local population
      • Live as tenants
      • 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.
      Creation of private rental units in unfinished family houses
      • Criteria for selection
      • legal pre-conditions include formal proof of property or leasehold on land
      • non-possession of other housing property at territory of Serbia
      • a building permit or an official note that the house could be legalized
      • household income limit - a upper income limit per household member
      • Eligible works:
      • net area of a housing unit should not exceed 20 m 2 per household member
      • overall construction cost must have a value lower than 650 USD/m 2
      • Application of standard and non-luxurious materials and equipment
      Creation of private rental units in unfinished family houses
      • 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.
      Grants to the poorest Roma Families
      • The grant scheme:
      • The grant beneficiaries will poor Roma families to improve housing conditions
      • The grant is steered to purchase of construction material for building baths and toilets as additional units to existing house
      • The grant will include: technical assistance to families and executive project design
      • Professional assistants to families – builders, plumbers, electrical craftsman
      • Contribution of families in labour
      • The loan beneficiaries are:
      • Poor Roma families inhabitants of “Grdicka kosa 2” settlement
      Grants to the poorest Roma Families
      • Criteria for selection
      • Based of the results of the survey in the settlement and other criteria
      • Existing living conditions and economic status of the family
      • Numbers of children, etc
      • Representatives from local Roma community and MHA will select families, based on the criteria
      • Eligible works:
      • overall construction cost must have a value of 2000 USD.
      • Application of standard and non-luxurious materials and equipment     
      Grants to the poorest Roma Families
      • UH-HABITAT SIRP is implementing microcredit schemes through
      • building the capacities of local authorities, and
      • local communities (beneficiaries)
      • to organize themselves and start working on housing and infrastructure for vulnerable population
      • The process includes:
      • Needs assessment
      • Standardised selection procedure including a legal and technical application model
      • Processing, ranking and decision on awarding loans
      • Loan contracting
      • Monitoring of the process
      • Collection of repayments
      • Repayment to the national housing finance institution
      Conclusion
      • Thank you for your attention
      ZLATA VUKSANOVIC-MACURA UN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP) www.unhabitat.org.yu [email_address]