This document discusses a social housing project in Merksplas, Belgium. The project aims to provide affordable, good quality housing in a pleasant environment. It involves building 66 houses on a land trust model, where residents pay a small annual fee to lease the land for 99 years but own the houses. They can customize the houses over time. At the end of the lease, the land and basic house structure return to the trust, while giving residents stable, multi-generational housing. Key benefits are affordable prices, property-like privileges, and maintaining environmental and social controls. Challenges include differing mentalities and legal clarifications.

1. Jan Van Hoeymissen
An Denis
Social Housing
DE NOORDERKEMPEN

2. OBJECTIVES:
 Affordable houses
 Good houses (technical, looks, image)
 Comfortable
 Good enviroment
 Good location
 Good neighbours
 Social control
 Integration of cultures
 For people who need it
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3. • Build
• Buy & renovate
• Sell
• Rent
• Long lease (trust)
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4. • Long lease:
 1 experience houses
 2 experiences with monestaries
 Many plans
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5. • Merksplas: “kolonie”
• 64 houses
• 56 in LTR
• Enviroment
• Central
• “ruins” (examples)
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6. 166
HOUSE TRUST
66 HOUSES
MERKSPLAS

9. • Big houses
• Great enviroment
• Big gardens; great community
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10. • Big houses
• Great enviroment
• Big gardens; great community
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11. • Get the complete property in trust for 99
years
• Entry level premium (condition of the house)
• No price for the grounds (2% of ½ )
– Annual trust fee : 200 € - 700 €
• Habitation duty: 10 – 20 years
• Compulsary works
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12. • Advantages for the lease-hold-taker:
 Low price for a building with an enormous
potential
 Priviliges of an owner
 Residential security
 More than one generation
 Excellent enviroment
 Can spread work and costs
 Adjust to own taste
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13. • Disadvantages for the lease-hold-taker:
No owner
Compulsary works
Not possible to sell for several years
Payment never stops
• Cost: 2% of ½ of ground-price
Starting capital
Unclarities:
• Fiscal rules ?
• Loans ?
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14. • Advantages for the lease-giver:
 Owner
 Building gets renovated
 Compulsary rules
 Maintenance of the houses
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15. • Disadvantages for the lease-giver:
 Pre-investment
 Low ROI
 Lease-takers are like owners (><regulation for
renting)
 No controle of who will live in the house
 Controle on the compulsary works
 Court-orders
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16.  Seperate organisation:
– List of candidates
– Notary
– Controle
– Follow-up (payment; works, …)
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17. OBJECTIVES:
 Affordable houses
 Good houses (technical, looks, image)
 Comfortable houses
 Good enviroment
 Good location
 Good neighbours
 Social control
 Integration of cultures ?
 For people who need it ?
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18. • Needs:
– Housing
– Comfortable
– Central
– Enviroment
– Payable
– “ownership”
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19. • Possibilities:
– Rent
– Buy
– Trust
– Land trust
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20. • Opportunities
• Needs
• Problems:
– Way of thinking
– Lacks in the legislaticon
• Gouvernment
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21. • Needs for residents:
– Certainty for housing
– Payable
– Good site
– Transport-possibilities
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22. • Problem for the future:
– land
– Evolution of needs; possibilities; …
– Enviroments
– Traffic: consideration of organisation of
habituation
– Keep controle over the land
– Culture: protection
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23. • Proposition
– Land trust for a small fee
– House build in basic structure-windproof
– 1 lifetime (definition)
– Costs:
• Ground: 2 % of landvalue yearly (100 €/mth)
• Basic house : f.e. 90,000 € (selling price):
– Own recourses : f.e. 15,000€
– 75,000€ over 30 years (200 €/mth)
• Finishing the house : f.e. 90,000 € : (250 €/mth)
• => 550 €/mnth. during 30 yrs.
• => 100 €/mnth. during the rest of the “lifetime”
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24. • Proposition
– Heritage-giver: makes a “profit” (overheadcost &
investment)
– Keeps a saying in the enviroment
– Gets a house back after a life-time (in what
condition?)
– Costs:
• Ground: 60,000 €
• Basic house : f.i. 90,000 € : recovers the money in 30 yrs
• Finishing the house : f.i. 90,000 € : lends the money and
recovers it in 30 yrs. (+ interest ?)
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25. • End of the “lifetime”:
– Ground remains propriety of DNK
– The house is bought back
– Price: original value of the basic house
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26. • costs: ground:
– No basic investment
– Ground value: f.e. 60,000 €
– 2 % /year : 2,000 € = 100 €/mnth
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27. • House:
– Basic: 90,000 €
– Payable on 30 (of more/less) years
– = max. 250 €/mnth. (+ interest?)
(depends on own investment)
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28. • Finishing the house:
– Own choice
– Depending on financial and other possibilities
– Whenever convenient for the trust-taker
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29. • After “a lifetime”:
– 90,000 € is payed to the enharitages
– Land + house back to the trust-giver
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30. • Issues to be defined:
 fiscality
 possibilities to rent
 Definition of “a life time”
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31. • Main problem:
 different mentality in Flanders
 Marketing
• DNK will try to do as much as possible within
the actual possibilities.
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