UN-HABITAT SIRP Three models of small housing loans
Upcoming SlideShare
Loading in...5
×
 

UN-HABITAT SIRP Three models of small housing loans

on

  • 3,120 views

 

Statistics

Views

Total Views
3,120
Views on SlideShare
3,118
Embed Views
2

Actions

Likes
0
Downloads
72
Comments
0

2 Embeds 2

http://www.habitat.org.mk 1
http://www.slideshare.net 1

Accessibility

Categories

Upload Details

Uploaded via as Microsoft PowerPoint

Usage Rights

© All Rights Reserved

Report content

Flagged as inappropriate Flag as inappropriate
Flag as inappropriate

Select your reason for flagging this presentation as inappropriate.

Cancel
  • Full Name Full Name Comment goes here.
    Are you sure you want to
    Your message goes here
    Processing…
Post Comment
Edit your comment

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]