Role of different institutions in housing


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Role of different institutions in housing

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Role of different institutions in housing

  2. 2. STRUCTURE OF PRESENTATION  Introduction  Aim & Objectives  Scope & Limitations  Methodology  Literature Review  Inter relations ROLE OF DIFFERENT INSTITUTIONS IN HOUSING 1
  4. 4. • Shelter is the basic human requirement that needs to be met on priority basis. • Investments in shelter not only improve and expand the available stock of housing units, but also improve both the working and living environment. • Housing sector is employment intensive, it generates employment during its construction period and also during its life. • Food, clothing and housing are required in that order for fulfilling the aspirations of the people. INTRODUCTION: 4
  5. 5. AIM & OBJECTIVES AIM 1. To provide maximum shelter for all. 2. Every human being must have basic needs like housing. OBJECTIVES 1. To give households access to housing that is appropriate to their needs. 2. To promote a range of housing that is affordable to households of varying financial capacity, including an adequate supply of housing that is affordable for very low, low and moderate-income households. 3. To provide housing in a way that contributes to the sustainability of communities and is compatible with the goal of environmental sustainability. 4. To encourage adaptable and accessible housing that can respond to the changing needs of residents AIM AND OBJECTIVES: 5
  6. 6. Scope & Limitations Scope 1. Schemes and projects developed by institutions and organisations. 2. Role of different institutions in housing. 3. Inter-relationship between the institutions and organisations. 4. Benefits of housing through various schemes. 5. International, state and local bodies in housing. Limitations • The objective of the study is to prepare a report about the different institutions and organisations and their key roles in housing, which provides the concept and details required for tendering the development of the housing and it schemes by private, government and semi government . Topic Title: 6
  7. 7. METHODOLOGY: ROLE OF DIFFERENT ROLE OF DIFFERENT INSTITUTIONS IN HOUSING INSTITUTIONS IN HOUSING Formulation of Aim and Formulation of Aim and Objectives Objectives Scope Scope Limitations Limitations Literature Study Literature Study Inter Inter relations relations Conclusion Conclusion ROLE OF DIFFERENT INSTITUTIONS IN HOUSING 7
  9. 9. INTERNATIONAL AGENCIES • UNESCO: 1) Most poor people are disadvantaged and endangered by the places and physical conditions in which they live. 2) Unesco providing the right to adequate housing should not be understood narrowly as the right to have a roof over one's head. 3) This right has a number of components, including the following: • Legal security of tenure: • Habitability • Location • Economic accessibility • Physical accessibility • Cultural acceptability 4) In india, unesco developed some projects for homeless. They are: • Appropriate Grassroot Level Intervention for Cost-effective Housing- India • Cost Effective Environment Friendly (CEEF) Shelter Development Strategy - India Five Year PlansLow Income Housing: 9
  10. 10. INTERNATIONAL AGENCIES: • WORLD BANK: 1) Access to shelter is a basic human right along with food and clothing. 2) In developing countries, investment in housing can account for from two to eight percent of the gross national product (GNP), and for 10 to 30 percent of gross capital formation. 3) Building regulations that limit urban density - such as floor space indexes – reduce the number of houses available, thereby pushing up property prices 4) Outdated rent control regulations reduce the number of houses available on rent – a critical option for the poor 5) Poor access to micro finance and mortgage finance limit the ability of low income groups to buy or improve their homes Five Year PlansLow Income Housing: 10
  11. 11. INTERNATIONAL AGENCIES: • UNICEF: 1) UNICEF supports improved sanitation in the rebuilt homes of Aceh and Nias 2) The homes of almost 200,000 families were damaged or destroyed by the earthquakes and tsunami that struck this coastal region in December 2004. Since then, more than 50,000 new houses have been built in Aceh and Nias. 3) According to the Indonesian Government’s Reconstruction and Rehabilitation Agency (BRR), another 50,000 to 70,000 houses will be built in the next two years in tsunami-affected areas here. Another 80,000 or so will have been repaired before the end of 2009. 4) As early as 2005, the government instructed all housing construction agencies that they were responsible for onsite water and sanitation on their projects. Still, assessments show that many houses have non-existent or inadequate sanitation facilities. Five Year PlansLow Income Housing: 11
  12. 12. NGO'S: 1) A non-governmental organization (NGO) is a legally constituted organization created by natural or legal persons that operates independently from any government. 2) In the cases in which NGOs are funded totally or partially by governments, the NGO maintains its nongovernmental status by excluding government representatives from membership in the organization. 3) The number of internationally operating NGOs is estimated at 40,000. National numbers are even higher: Russia has 277,000 NGOs. India is estimated to have around 3.3 million NGOs in year 2009, which is one NGO for less than 400 Indians, and many times the number of primary schools and primary health centres in India. Five Year PlansLow Income Housing: 12
  13. 13. STATE LEVEL: 1) ANDHRA PRADESH STATE HOUSING CORPORATION LIMITED(APSHCL): • • 1) 2) 3) 4) 5) 6) 7) 8) 9) A.P.State Housing Corporation Limited (APSHCL) was incorporated on 5th July 1979 under Companies Act. APSHCL aims to bring dignity to each and every BPL family by assisting them, both financially and technically, for construction of permanent (Pucca) houses. The financial assistance is provided as per the various schemes of State Government and Government of India. The various schemes being implemented by APSHCL are as follows: INDIRAMMA Rachabanda Flood Housing Indira AwaasYojana (IAY) in Rural areas Beedi Workers Housing in Rural and Urban areas. Integrated Housing and Slum Development Programme (IHSDP) Jawaharlal Nehru National Urban Renewal Mission (JNNURM) Weavers Work Sheds Other schemes, as and when sanctioned by the State Government Five Year PlansLow Income Housing: 13
  14. 14. FINANCING ORGANISATIONS: 1. What is finance organization? An institution (public or private) that collects funds (from the public or other institutions) and invests them in financial assets: 2. It is divided into three types , they are A. PRIVATE SECTOR: i. HDFC ii. GHE iii. ICICI iv. SUNDARAM B. SEMI-PUBLIC SECTOR I. HUDCO II. RHLF III. HUDA C. PUBLIC SECTOR: I. SBI II. CANFIN HOMES III. LIC Five Year PlansLow Income Housing: 14
  15. 15. PRIVATE DEVELOPERS: 1. 2. 3. 4.            It examines the policy advice of enabling markets and market-based actors to provide affordable housing in developing countries. In this case, after receiving public sector help, the developer stopped constructing housing for low-income groups. The paper argues for a more cautious, circumspect and varied approach because enabling strategies focused on market actors can produce highly uncertain outcomes. LIST OF PRIVATE DEVELOPERS IN INDIA: 1.Shri S.N. Kapoor, Director (Tech.) M/s Astha Projects 2.ShriHemantKushik, General Manager Darjeeling Power Ltd. 3.Shri R.V. Sahi, Chairman Energy Infratech Pvt. Ltd. 4.Shri M.K. Agarwal, MD M/s Gati Infrastructures Ltd. 5.Shri I. Reddy, Chairman Gayatri Projects Ltd. 6.ShriShaaradJaipuria, Chairman Five Year PlansLow Income Housing: 15
  16. 16. CO OPERATIVES: 1) A housing cooperative is a legal entity—usually a corporation—that owns real estate, consisting of one or more residential buildings. 2) The corporation is membership based, with membership granted by way of a share purchase in the cooperative. 3) Each shareholder in the legal entity is granted the right to occupy one housing unit. 4) Housing cooperatives fall into two general tenure categories: 5) non-ownership (referred to as non-equity or continuing) and ownership (referred to as equity or strata). 6) In non-equity cooperatives, occupancy rights are sometimes granted subject to an occupancy agreement, which is similar to a lease. 7) In equity cooperatives, occupancy rights are sometimes granted by way of the purchase agreements and legal instruments registered on the title. Five Year PlansLow Income Housing: 16
  17. 17. INTER RELATIONS: • WORLD BANK AND NGO’S: • The World Bank is giving much attention to the Non-Governmental Organizations (NGOs) since 80s. • In Sudan, the government and NGOs compete with each other for funds. The financial institutions only trust NGOs while government officials are reduced to mere spectators when these NGOs receive funds. • It established the NGO-WB Committee in 1982 to strengthen interaction and discussion between the bank staff and NGOs representatives. • BANK-NGOS PROJECTS IN INDIA • Uttar Pradesh Sodic Lands Reclamation Project • National Leprosy Elimination • Karnataka Rural Water Supply and Environmental Sanitation • Basic Education Project • Renewal Resources • Development Project • Rural Water Supply and Environmental Sanitation • Child Development Services Project. Five Year PlansLow Income Housing: 17
  18. 18. CONCLUSION: • In short, the housing finance system in India is still in its nascent stage. • In order to overcome the inadequacies and deficiencies of the existing housing finance system in India, improvements in the following directions are urgently needed. Only then will the HOUSING in cities become affordable to the common man. • There is a need for decentralizing the home loan institutions and encouraging the private sector to develop • Housing finance would need to be integrated into the financial system as a whole if it is to assume the proportions that will be required to finance the projected needs. • The National Housing Bank that is a subsidiary of Reserve Bank of India has a very crucial role to play. Five Year PlansLow Income Housing: 18