While the supply side constraints for low cost and affordable housing include lack of availability of land and finance at reasonable rates, the demand drivers include the growing
middle class and urbanisation. Real estate developers, private players in particular, have primarily targeted luxury, high-end and upper-mid housing segment owing to the higher returns that can be gained from such projects.
National Urban Housing and Habitat Policy-2007JIT KUMAR GUPTA
Presentation looks at the intent, content and scope of National Housing Policy 2007; Housing Finance Institutions, PMAY(U), in the context of housing for all in urban India
AFFORDABLE HOUSING POLICY, SCHEME AT VARIOUS LEVELS, ISSUES, HUBS,
APPROACH, PUSH-PULL FACTORS, CASE STUDIES
Follow on Instagram: @conceptive_architects
While the supply side constraints for low cost and affordable housing include lack of availability of land and finance at reasonable rates, the demand drivers include the growing
middle class and urbanisation. Real estate developers, private players in particular, have primarily targeted luxury, high-end and upper-mid housing segment owing to the higher returns that can be gained from such projects.
National Urban Housing and Habitat Policy-2007JIT KUMAR GUPTA
Presentation looks at the intent, content and scope of National Housing Policy 2007; Housing Finance Institutions, PMAY(U), in the context of housing for all in urban India
AFFORDABLE HOUSING POLICY, SCHEME AT VARIOUS LEVELS, ISSUES, HUBS,
APPROACH, PUSH-PULL FACTORS, CASE STUDIES
Follow on Instagram: @conceptive_architects
GROUP HOUSING : A DOMESTIC ARCHITECTURE ACCOMODATES THE GROUP RATHER THAN THE UNIT AND ITS THEREFORE PUBLIC AS WELL AS PRIVATE. IT IS FIMILIAR THROUGH THE WIDWSPREAD DEVELOPMENT OF MASS HOUSING IN THE WORLD IN WHICH INDIVIDUALS OR FAMILIES FIND LIVING SPACE EITHER IN M ULTIPLE DWELLINGS OR SINGLE LINITS PRODUCED IN QUALITY . GROUP HOUSING IS PRODUSED BY MANY KINDS OF CULTURES BY COMMUNAL STATES TO EQALIZE LIVING STANDDARDS BY TYRANTS TO ASSURE A DOCILE LABOUR FORCE, AND BY FEDUAL OR CASTE SYSTEM TO BRINGS TOGETHER MEMBERS OF A CLASS.
2. CLUSTER HOUSING
A SUBDIVISION TECHNIQUES WHERE KNOWN
AS ZERO –LOT –LINE HOUSING OR HIGH DENSITY
HOUSING DWELLING ARE GROUPED TOGHTHER
WITH COMMON AREA LEFT FOR RECREATION .
RAW HOUSING
ONE OF A SERIES OF HOUSES , OFTEN AS SIMILAR
OR IDENTICAL DESIGN, SITUATED SIDE BY SIDE
AND JOINED COMMON WALLS
3. PRADHAN MANTRI AWAS YOJANA
2 MILLION NON-SLUM URBAN POOR HOUSEHOLD
ARE PROPOSED TO BE COVERDED UNDER THE MISSION.
RAJIV AWAS YOJANA
IT UNCOURAGE “SLUM FREE INDIA” IN CITIES
IN WHICH EVERY CITIZEN HAS ACEES TO BASIC AMENITIES.
PRADHAN MANTRI GRAMIN AWAS YOZANA
PROVIDING FINANCIAL ASSISTANCE TO RURAL
POOR FOR CONSTRUCTING THEIR HOUSES THEMSELVES.
HOUSING FOR ALL BY 2022
MISSSION APPROVED A SUBSTANCIAL INCREAS IN INTEREST
RELIFE ON LOAN FOR THE URBAN POOR
TO PROMOTE AFFORDEBLE HOMES.
INTEREST SUBSIDY SCHEMES FOR HOUSING URBAN
THE SCHEMES ENVISAGES THE PROVISION OF
INTEREST TO EWS AND LIG SEGMENTS TO
ENABLES THEM TO BUY OR CONSTRUCT HOUSES.
4.Lower Income Group
Economic Weaker Section (EWS) means households with monthly household income upto Rs. 5000/- per month or as revised by the Ministry of Housing and Urban Poverty Alleviation, Government of India from time to time. Lower Income Group (LIG) means households with monthly household income between Rs. 5001/- to Rs.
5.Development of Group Housing will be under provision
of master plan, Enclave development plan and layout plan.
Minimum area of plot will be 2000sq.m
Land proposed for group housing will be located at 12m
wide exiting road, But the distance of the plot from 18m
(or above) wide road will not be more than 100m.
Slilt floor will be permitted for the purpose of parking in
group housing buildings, height of which of which be
2.1m up to the beam.
if slilt floor is used for purpose other than parking then
it will be counted in F.A.R.
Park and open area will be provided at the rate of
1.0sq.m. per person or 15% of the whole area,
whichever is more, in the plot of area 3000sq.m (or above).
National Slum Development Program (NSDP) Sumit Ranjan
National Slum Development Program (NSDP)
Housing, 8th sem, B. Arch.
amount, beneficiaries, constraints and recommendations, discription, drawbacks, facilities, financial, funding, government, housing, introduction, managerial, nature, objectives, slums, technical
Chennai the fourth largest metropolis in India. Chennai Metropolitan Area (CMA) extends over 1189 sq.km.and comprises of
Chennai Corporation,
16 Municipalities,
20 Town Panchayats and
214 villages covered in 10 Panchayats Unions
It encompasses the Chennai District (176 sq.km.), part of Thiruvallur District (637 sq.km.) and a part of Kancheepuram District (376 sq.km.).
The policy of govt and public sector institutions is to support and develop housing programmes on the basis of availability of resources and on their perception of housing demand and affordability rather than on the basis of the requirements and affordability of prospective beneficiaries.
The National Housing policy of the government of India has highly laid emphasis on the need for public sector agencies to increasingly play the role of a facilitator of the housing process and create the enabling environment in which the requisite inputs would flow into the housing sector more easily than in the past.
Affordable housing is a dream come true for middle class section. Concept of affordable housing is like a windfall for all those who are yearning for their own house. With maximum number of people having their own house prosperity of India will be multi fold.
UAPVP launched many schemes available for different segments of the society including EWS, LIG, MIG, BPL and HIG categories.
UPAVP the development agency of Uttar Pradesh know as Uttar Pradesh Awas Vikas Parishad is going to implement the government housing mission, Pradhan Mantri Awas Yojana.
About 20,000 houses will be constructed in the state.
On the construction of housing units, the UPAVP will spend about Rs. 3,000 Crore and the implementation work will be started once it get the approval from the government.
The comprehensive plan for Fiscal year 2017-18 has been prepared by the agency and the houses units in these projects will be constructed under UP government Vrindavan & Awadh Vihar Yojana.
Under PMAY UP, about 2,000 houses have been registered by the government and creating further plan for the scheme, the UPAVP is planning to open the registrations for additional 3,000 houses.
Stanlee's presentation on affordable housingStanLee GeorGe
Urbanization has resulted in people increasingly living in slums and squatter settlements and has deteriorated the housing conditions of the economically weaker sections of the society. This is primarily due to the skyrocketing prices of land and real estate in urban areas that have forced the poor and the economically weaker sections of the society to occupy the marginal lands typified by poor housing stock, congestion and obsolescence.
In this dissertation, we will explore major issues in the development of affordable housing in India and steps taken by the Government and private sector to address them inclusively.
I came to know regarding this competition from rediff.com
Salient features of a well-designed inclusive Neighbourhood (Colony) for the urban poor is characterized by a well conceptualized effort at social cohesion:
I. Housing Unit and Layouts of Cluster Housing
II. Neighbourhood Colony Layouts
III. Basic Physical Infrastructure (Water Supply, Sanitation, Drainage, Roads, Street Lighting, Solid
Waste Management, etc.)
IV. Cohesive Social Infrastructure (Community Centre, Informal Sector Market, Livelihood Centre,
etc.)
presentation tries to focus on housing, its role and importance for communities and also how it can be made cost- effective in the background of Pradhan Mantri Awas Yojna
Housing remains critical, relevant and important for human living, determining quality of life , improving productivity, promoting health and happiness. Nations have suffered perpetually from inadequate housing with large proportion of population compelled to live in slums. Only 13% of the nations globally, have been able to cater to the needs of housing in a satisfactory manner, Developing nations are worst places. Nations having large rural-urban migration are reeling under the pressure of critical housing shortage. Poverty remains the major roadblock in providing housing to majority of people. Nations need to think critically and objectively in the domain of making housing for all a distinct reality. Considering the fact that housing demand is never statistic, never finite , ever evolving and ever devolving like human beings/numbers- nations have to take hard and harsh decisions to create adequate quality/quantity of housing. Providing shelter should be accepted fundamental right of individual and fundamental duty of the state but creating ownership needs to be specifically and invariably avoided in case nations want to solve the problem of housing shortage. Sale and Purchase of housing must be effectively regulated and real estate sector must be made more rational, responsive and responsible to the needs of the shelter of all communities. Allotting land to luxury housing must be minimized and taxed heavily for subsiding the rental housing for the poor. Norms specified for housing must be redefined to make optimum use of land. land norms must be based on the principle of use of land on 24x7x365 to optimize the land for amenities/services. Housing needs to be traded on different footings with effective monitoring of house ownership. No individual should be permitted to hold multiple ownership of housing with ownership restricted to two houses in the entire life span of individual to check speculation and making housing an investment for making money. Housing typology must be changed from plotted development to flatted development to optimise the land and minimise the housing cost. housing technologies must be redefined with affordable materials put in place. Affordable housing remains a challenge which needs involvement of all stake holders including the benefices. Co-operative options remains valuable, which needs to be optimised. Housing must be made individual led- program rather than a Governmnet led mission only. Rural housing must be made more qualitative and technology supported.
GROUP HOUSING : A DOMESTIC ARCHITECTURE ACCOMODATES THE GROUP RATHER THAN THE UNIT AND ITS THEREFORE PUBLIC AS WELL AS PRIVATE. IT IS FIMILIAR THROUGH THE WIDWSPREAD DEVELOPMENT OF MASS HOUSING IN THE WORLD IN WHICH INDIVIDUALS OR FAMILIES FIND LIVING SPACE EITHER IN M ULTIPLE DWELLINGS OR SINGLE LINITS PRODUCED IN QUALITY . GROUP HOUSING IS PRODUSED BY MANY KINDS OF CULTURES BY COMMUNAL STATES TO EQALIZE LIVING STANDDARDS BY TYRANTS TO ASSURE A DOCILE LABOUR FORCE, AND BY FEDUAL OR CASTE SYSTEM TO BRINGS TOGETHER MEMBERS OF A CLASS.
2. CLUSTER HOUSING
A SUBDIVISION TECHNIQUES WHERE KNOWN
AS ZERO –LOT –LINE HOUSING OR HIGH DENSITY
HOUSING DWELLING ARE GROUPED TOGHTHER
WITH COMMON AREA LEFT FOR RECREATION .
RAW HOUSING
ONE OF A SERIES OF HOUSES , OFTEN AS SIMILAR
OR IDENTICAL DESIGN, SITUATED SIDE BY SIDE
AND JOINED COMMON WALLS
3. PRADHAN MANTRI AWAS YOJANA
2 MILLION NON-SLUM URBAN POOR HOUSEHOLD
ARE PROPOSED TO BE COVERDED UNDER THE MISSION.
RAJIV AWAS YOJANA
IT UNCOURAGE “SLUM FREE INDIA” IN CITIES
IN WHICH EVERY CITIZEN HAS ACEES TO BASIC AMENITIES.
PRADHAN MANTRI GRAMIN AWAS YOZANA
PROVIDING FINANCIAL ASSISTANCE TO RURAL
POOR FOR CONSTRUCTING THEIR HOUSES THEMSELVES.
HOUSING FOR ALL BY 2022
MISSSION APPROVED A SUBSTANCIAL INCREAS IN INTEREST
RELIFE ON LOAN FOR THE URBAN POOR
TO PROMOTE AFFORDEBLE HOMES.
INTEREST SUBSIDY SCHEMES FOR HOUSING URBAN
THE SCHEMES ENVISAGES THE PROVISION OF
INTEREST TO EWS AND LIG SEGMENTS TO
ENABLES THEM TO BUY OR CONSTRUCT HOUSES.
4.Lower Income Group
Economic Weaker Section (EWS) means households with monthly household income upto Rs. 5000/- per month or as revised by the Ministry of Housing and Urban Poverty Alleviation, Government of India from time to time. Lower Income Group (LIG) means households with monthly household income between Rs. 5001/- to Rs.
5.Development of Group Housing will be under provision
of master plan, Enclave development plan and layout plan.
Minimum area of plot will be 2000sq.m
Land proposed for group housing will be located at 12m
wide exiting road, But the distance of the plot from 18m
(or above) wide road will not be more than 100m.
Slilt floor will be permitted for the purpose of parking in
group housing buildings, height of which of which be
2.1m up to the beam.
if slilt floor is used for purpose other than parking then
it will be counted in F.A.R.
Park and open area will be provided at the rate of
1.0sq.m. per person or 15% of the whole area,
whichever is more, in the plot of area 3000sq.m (or above).
National Slum Development Program (NSDP) Sumit Ranjan
National Slum Development Program (NSDP)
Housing, 8th sem, B. Arch.
amount, beneficiaries, constraints and recommendations, discription, drawbacks, facilities, financial, funding, government, housing, introduction, managerial, nature, objectives, slums, technical
Chennai the fourth largest metropolis in India. Chennai Metropolitan Area (CMA) extends over 1189 sq.km.and comprises of
Chennai Corporation,
16 Municipalities,
20 Town Panchayats and
214 villages covered in 10 Panchayats Unions
It encompasses the Chennai District (176 sq.km.), part of Thiruvallur District (637 sq.km.) and a part of Kancheepuram District (376 sq.km.).
The policy of govt and public sector institutions is to support and develop housing programmes on the basis of availability of resources and on their perception of housing demand and affordability rather than on the basis of the requirements and affordability of prospective beneficiaries.
The National Housing policy of the government of India has highly laid emphasis on the need for public sector agencies to increasingly play the role of a facilitator of the housing process and create the enabling environment in which the requisite inputs would flow into the housing sector more easily than in the past.
Affordable housing is a dream come true for middle class section. Concept of affordable housing is like a windfall for all those who are yearning for their own house. With maximum number of people having their own house prosperity of India will be multi fold.
UAPVP launched many schemes available for different segments of the society including EWS, LIG, MIG, BPL and HIG categories.
UPAVP the development agency of Uttar Pradesh know as Uttar Pradesh Awas Vikas Parishad is going to implement the government housing mission, Pradhan Mantri Awas Yojana.
About 20,000 houses will be constructed in the state.
On the construction of housing units, the UPAVP will spend about Rs. 3,000 Crore and the implementation work will be started once it get the approval from the government.
The comprehensive plan for Fiscal year 2017-18 has been prepared by the agency and the houses units in these projects will be constructed under UP government Vrindavan & Awadh Vihar Yojana.
Under PMAY UP, about 2,000 houses have been registered by the government and creating further plan for the scheme, the UPAVP is planning to open the registrations for additional 3,000 houses.
Stanlee's presentation on affordable housingStanLee GeorGe
Urbanization has resulted in people increasingly living in slums and squatter settlements and has deteriorated the housing conditions of the economically weaker sections of the society. This is primarily due to the skyrocketing prices of land and real estate in urban areas that have forced the poor and the economically weaker sections of the society to occupy the marginal lands typified by poor housing stock, congestion and obsolescence.
In this dissertation, we will explore major issues in the development of affordable housing in India and steps taken by the Government and private sector to address them inclusively.
I came to know regarding this competition from rediff.com
Salient features of a well-designed inclusive Neighbourhood (Colony) for the urban poor is characterized by a well conceptualized effort at social cohesion:
I. Housing Unit and Layouts of Cluster Housing
II. Neighbourhood Colony Layouts
III. Basic Physical Infrastructure (Water Supply, Sanitation, Drainage, Roads, Street Lighting, Solid
Waste Management, etc.)
IV. Cohesive Social Infrastructure (Community Centre, Informal Sector Market, Livelihood Centre,
etc.)
presentation tries to focus on housing, its role and importance for communities and also how it can be made cost- effective in the background of Pradhan Mantri Awas Yojna
Housing remains critical, relevant and important for human living, determining quality of life , improving productivity, promoting health and happiness. Nations have suffered perpetually from inadequate housing with large proportion of population compelled to live in slums. Only 13% of the nations globally, have been able to cater to the needs of housing in a satisfactory manner, Developing nations are worst places. Nations having large rural-urban migration are reeling under the pressure of critical housing shortage. Poverty remains the major roadblock in providing housing to majority of people. Nations need to think critically and objectively in the domain of making housing for all a distinct reality. Considering the fact that housing demand is never statistic, never finite , ever evolving and ever devolving like human beings/numbers- nations have to take hard and harsh decisions to create adequate quality/quantity of housing. Providing shelter should be accepted fundamental right of individual and fundamental duty of the state but creating ownership needs to be specifically and invariably avoided in case nations want to solve the problem of housing shortage. Sale and Purchase of housing must be effectively regulated and real estate sector must be made more rational, responsive and responsible to the needs of the shelter of all communities. Allotting land to luxury housing must be minimized and taxed heavily for subsiding the rental housing for the poor. Norms specified for housing must be redefined to make optimum use of land. land norms must be based on the principle of use of land on 24x7x365 to optimize the land for amenities/services. Housing needs to be traded on different footings with effective monitoring of house ownership. No individual should be permitted to hold multiple ownership of housing with ownership restricted to two houses in the entire life span of individual to check speculation and making housing an investment for making money. Housing typology must be changed from plotted development to flatted development to optimise the land and minimise the housing cost. housing technologies must be redefined with affordable materials put in place. Affordable housing remains a challenge which needs involvement of all stake holders including the benefices. Co-operative options remains valuable, which needs to be optimised. Housing must be made individual led- program rather than a Governmnet led mission only. Rural housing must be made more qualitative and technology supported.
Overview of Real Estate (Regulation & Development) ActAdmin SBS
Current Scenario- Construction Approvals
The promoters has to apply to Municipal Corporation town planning section for plan approvals
Municipal Corporation based on height and location ,will recommend to various committees like high rise committee etc,
The committee after checking with the compliance of existing GO and law ,will give permission for construction the apartments/ villas /individual units etc with validity period.
Once the project is completed, owner has to apply for Occupation Certificate ,The committee also checks the compliance of the construction with approved layout while sanctioning the occupations certificate
Occupations certificate confirms about the project is ready to move in and compliance with approvals and permissions obtained
The entire subject is state purview and even after RERA it will be under state purview . centre is not interfering in the above mechanism
There is no provision in the above mechanism to protect the interest of the customers regarding the completion of the project, proper legal title ,correctness of the areas , utilisation of the funds etc
The RERA is addressing the above concern more from the customer point of view , similarly in case customer are not paying as agreed it is providing the protection clauses to promoters also.
Housing india, affordable housing India, low cost housing India, cheap houses India, real estate India, construction India, sustainability, mass housing, slum-free india, JNNURM, housing development india, developers India, housing India, green houses India, home finance India, housing projects India, JNNURM, Dharavi project, conference housing, green building India, financing homes india, micro- financing india, home loans India, Ministry of Housing and Urban Policy Alleviation India [HUPA], Ministry of Urban Development India, Housing Development Authority India, architecture, master planning, project management, pipeline management, contractor, building materials, construction equipments India, Public Private Partnership India, Foreign Direct Investment
Types of embodied energy· Initial embodied energy; and· Recurring embodied energy
The initial embodied energy in buildings represents the non-renewable energy consumed in the acquisition of raw materials, their processing, manufacturing, transportation to site, and construction. This initial embodied energy has two components:Direct energy the energy used to transport building products to the site, and then to construct the building; andIndirect energy the energy used to acquire, process, and manufacture the building materials, including any transportation related to these activities.
This presentation is an overview of Governments role in propagating the different types of Cost Effective technologies on several Government and local levels through various organisations.
This modular housing based in Belapur, New Mumbai, is designed by Ar. Charles Correa. This project, which was constructed in the 1980s, stands as a perfect example of affordable and high density housing, which is the need of the hour.
Many building materials are used for construction and different methods are followed. Each of these building materials has a unique embodied energy. Out of these materials, Roofing material constitute one of the major energy consuming components of the building. Effective utilization of available energy and its conservation is global challenge. For a developing country like India, the increasing demand of energy has created a scope for the study embodied energy of alternative roofing technique and their advantages for the sustainable building construction. The total embodied energy of a building can be reduced significantly by using alternate roofing technique such as RCC Filler slab which has lower embodied energy value.
Filler slab technology is a simple and a very innovative technology for a slab construction. The filler slab is based on the principle that for roofs which are simply supported, the upper part of the slab is subjected to compressive forces and the lower part of the slab experience tensile forces. Concrete is very good in withstanding compressive forces and steel bears the load due to tensile forces. Thus the lower tensile region of the slab does not need any concrete except for holding the steel reinforcements together. Hence concrete in the bottom region of solid RCC slab is replaced by an energy efficient and cost effective material. With reduced consumption of building material for roofing, the cost of the building can be reduced predominantly.
Providing housing for all- is invariably lost in the haze of urban context ignoring the rural housing. Role and importance of rural housing is invariably marginalized, despite the fact that rural housing constitutes major problem in all the developing nations. Housing majority of population , requiring appropriate shelter, rural areas bear the brunt of housing shortage. Neglect of rural housing has been the major reason for mushrooming and growth of slums in urban areas. .Rural housing has neither been rightly understood, appreciated and appropriately addressed. In majority of cases, urban housing options are loaded on the rural housing . Such an approach has proved to be counterproductive. Rural housing has to be seen in the local context, involving local manpower, local materials and local construction technologies. It has to be both collaborative and co-operative effort, based on the local initiatives. Accordingly, separate text has been dedicated to the rural housing considering its peculiarities, essentials and the basics for achieving the goal of – Housing for all.
Article tries to portray, definne, decipher and to bring out the status, pecularities, issues and roadblock in Rural Housing of India. Article also tries to define that rural housing remains different and distict from urban housing and has to be dealt on different footing in its planning , designing, construction, materials and technologies.. Rural housing remains simple, cost-effective, meeting individually and severally , multiple requirements of the rural setting. However, rural housing needs needs focussed attention of professionals looking at the local options and local materials/technologies. Rural housing offers enormous opportunities of innovations and experimenatation in housing sector,. based on the local knowledge, available wisdom, available materials and currently used technologies. Architects and Engineers need to redo their agenda to make value addition to rural housing which remains vital for Indian economy, living, nealth and hygiene besides tackeling the issue of global warming and increasing carbon footprints/minimising energy annd resource consumption..
Affordable Housing Facts by Wish EmpireWish Empire
This PPT highlights the important aspects of affordable housing. This PPT deals with the classifications and facts related to the Affordable Housing. Kindly Visit: www.wishempire.com for residential Apartments in Jaipur at cheap rate.
Leveraging the housing for the Urban Poor through innovative Resource Mobili...JIT KUMAR GUPTA
Considering the fact that Housing for Poor is a major challenge which the Government of India is trying to overcome through PMAY- paper tries to provide few options for making housing for all a distinct reality
As provider of identity, security, safety, space for social habitation and quality of life, housing remains relevant to human living both locally and globally. Housing demand exceeds house supply, globally. Gap between demand-supply is getting wide and deep. Housing need is always evolving/devolving, never static and never finite. Nations are fighting a losing battle in the domain of meeting the agenda of housing for all . However,considering the Criticality of housing ,UN Habitat asked nations to make use of structural adjustments, rapid urbanization; leveraging slum economy, sourcing accumulated savings, making optimum use of purchasing power of the urban poor, ensuring dedicated public investment to leverage the resource mobilization for housing the poor. Program 48 defines agenda for resource mobilization for the urban poor in terms of: Stimulating national and local economies; generating employment and increasing revenues; strengthening fiscal and financial management capacity; enhancing public revenue through fiscal instruments; strengthening regulatory and legal frameworks; promoting equitable access to for all people.; adopting transparent, timely and performance based mechanisms and fostering the accessibility of the market for less organized or otherwise excluded communities from participation by providing subsidies and promoting appropriate credit mechanisms. Considering the way, housing and urban infrastructure are financed and the way poverty is getting concentrated in urban centers, making available and ensuring larger flow of funds for the shelter related programs and policies would be critical to make urban centers sustainable, productive, humane and livable.
As provider of identity, security, safety, space for social habitation and quality of life, housing remains relevant to human living both locally and globally. Housing demand exceeds house supply, globally. Gap between demand-supply is getting wide and deep. Housing need is always evolving/devolving, never static and never finite. Nations are fighting a losing battle in the domain of meeting the agenda of housing for all . However,considering the Criticality of housing ,UN Habitat asked nations to make use of structural adjustments, rapid urbanization; leveraging slum economy, sourcing accumulated savings, making optimum use of purchasing power of the urban poor, ensuring dedicated public investment to leverage the resource mobilization for housing the poor. Program 48 defines agenda for resource mobilization for the urban poor in terms of: Stimulating national and local economies; generating employment and increasing revenues; strengthening fiscal and financial management capacity; enhancing public revenue through fiscal instruments; strengthening regulatory and legal frameworks; promoting equitable access to for all people.; adopting transparent, timely and performance based mechanisms and fostering the accessibility of the market for less organized or o
A Study on Housing Finance in India with Special Reference to LIC Housing Fin...ijtsrd
Housing Finance in India during the last decade has gone through many changes. From very low exposure to the housing sector initially, banks have gone very fast in extending credit to this sector which has witnessed unprecedented expansion. With urbanization and higher level of economic growth, it is quiet natural that the housing sector has received a enormous growth. However, in the recent years the banks have gone faster than what could be a reasonably justified in financing this sector. At the international level, the speed at which banks have rushed to this sector, has resulted in financial crisis causing great damages to the stability of the banking system. Housing is one of the most important that we human beings need. Adequate housing is essential for human survival with dignity. There are many things that we would find difficult, if not impossible to do without good-quality housing. Housing shortage is an universal phenomenon. It is more acute in developing countries. The housing scenario has become more critical in India in recent years. India has initiated so many housing reform that has taken many forms and manifestations characterized by the reduction in social allocation, cutbacks in public funding and promotion of a real estate culture in close partnership between the state and private actors. Mortgage financing markets can play an important role in stimulating affordable housing markets and improving housing quality in many countries. Unfortunately, these are still in infancy in India. This lack of development often translates into lower homeownership rates or poor housing quality. Most of these problems stem from the central dilemma that the resources are always too limited and housing development heavily depend on the financial institutions such as banks, credit corporations and development banks for the supply of finance to meet their daily financial needs. Against this backdrop, this paper will assess basic hurdles of Indian financing system. Dr Bandaru Appala Satya Murthy"A Study on Housing Finance in India with Special Reference to LIC Housing Finance Limited" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-1 , December 2017, URL: http://www.ijtsrd.com/papers/ijtsrd5966.pdf http://www.ijtsrd.com/management/marketing/5966/a-study-on-housing-finance-in-india-with-special-reference-to-lic-housing-finance-limited/dr-bandaru-appala-satya-murthy
Sourcing Land for Housing the Urban Poor in IndiaJitKumarGupta1
Sourcing land for housing remains the most challenging task for all agencies involved in providing shelter for marginalized sections of society. Challenge remains most formidable in the case of India, housing more than 17.3% global population and occupying merely a physical space of only 2.4%. India ranks high among the land stressed country, globally among nations. Housing is known to be largest consumer of land in the domain of both urban and rural settlements. Considering the high prevailing cost of land and large speculation to which urban land is subjected to, creating cost-effective and affordable housing remains most challenging task. Housing remains one of the most critical and dynamic entities related to human living, always evolving and devolving, never static, never definitive, ever dynamic, always changing and never decreasing .Housing strategies for the urban poor need a holistic and multi-pronged approach involving; ensuring adequate supply of serviced land at most affordable price; making land market operationally efficient and socially just; rationalizing the urban planning and development process; making informal sector integral part of urban planning / development; rationalizing land related legal framework governing land ; actively involving private and co-operative sectors ; creating an effective/efficient urban land information and management system; rationalizing the process/ cost of land transactions; minimizing the charges/ fees levied in the land transactions; minimizing time scale for sourcing land; making optimum use of available land; identifying right beneficiaries etc
Ongoing crisis of pandemic,Covid19, has clearly demonstrated the vulnerability of cities and migrants in the face of lockdown, when majority of urban migrant workforce, left cities to go back to their native places, despite all odds and hardships; clearly establishing the context, role/ importance of shelter in not only rationalizing growth/development of cities but also creating ownership among its citizens. It has also clearly demonstrated the necessity of providing adequate housing to all the urban residents, if the cities are to be made safe, resilient, sustainable and livable.
Housing remains one of the most critical and dynamic entities related to human living, always evolving and devolving, never static, never definitive, ever dynamic, always changing and never decreasing .Housing strategies for the urban poor need a holistic and multi-pronged approach involving; ensuring adequate supply of serviced land at most affordable price in equitable and sustainable manner; making land market operationally efficient and socially just; rationalizing the urban planning and development process; making informal sector integral part of urban planning and development; rationalizing the existing legal framework governing land and its management; changing role of parastatal agencies from providers to enablers; actively involving private and co-operative sectors in sourcing land and creating shelter; creating an effective and efficient urban land information and management system; rationalizing the process and cost of land transactions; minimizing the charges and fees levied in the land transactions; minimizing time scale for sourcing land; making optimum use of available land; identifying right beneficiaries etc Looking at the quality of life and adversities human beings faced, without an assured and permanent shelter, during the ongoing crisis of pandemic,Covid19, has clearly demonstrated the vulnerability of cities and migrants in the face of lockdown, when majority of urban migrant workforce, without having any shelter, had no option but to leave cities to go back to their native places, despite all odds and hardships. This clearly established the context, role and importance of shelter in not only rationalizing growth and development of cities but also creating ownership among its citizens. It has also clearly demonstrated the necessity of providing adequate housing to all the urban residents, if the cities are to be made safe, resilient, sustainable and livable.
2024.06.01 Introducing a competency framework for languag learning materials ...Sandy Millin
http://sandymillin.wordpress.com/iateflwebinar2024
Published classroom materials form the basis of syllabuses, drive teacher professional development, and have a potentially huge influence on learners, teachers and education systems. All teachers also create their own materials, whether a few sentences on a blackboard, a highly-structured fully-realised online course, or anything in between. Despite this, the knowledge and skills needed to create effective language learning materials are rarely part of teacher training, and are mostly learnt by trial and error.
Knowledge and skills frameworks, generally called competency frameworks, for ELT teachers, trainers and managers have existed for a few years now. However, until I created one for my MA dissertation, there wasn’t one drawing together what we need to know and do to be able to effectively produce language learning materials.
This webinar will introduce you to my framework, highlighting the key competencies I identified from my research. It will also show how anybody involved in language teaching (any language, not just English!), teacher training, managing schools or developing language learning materials can benefit from using the framework.
The Indian economy is classified into different sectors to simplify the analysis and understanding of economic activities. For Class 10, it's essential to grasp the sectors of the Indian economy, understand their characteristics, and recognize their importance. This guide will provide detailed notes on the Sectors of the Indian Economy Class 10, using specific long-tail keywords to enhance comprehension.
For more information, visit-www.vavaclasses.com
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
We all have good and bad thoughts from time to time and situation to situation. We are bombarded daily with spiraling thoughts(both negative and positive) creating all-consuming feel , making us difficult to manage with associated suffering. Good thoughts are like our Mob Signal (Positive thought) amidst noise(negative thought) in the atmosphere. Negative thoughts like noise outweigh positive thoughts. These thoughts often create unwanted confusion, trouble, stress and frustration in our mind as well as chaos in our physical world. Negative thoughts are also known as “distorted thinking”.
The Art Pastor's Guide to Sabbath | Steve ThomasonSteve Thomason
What is the purpose of the Sabbath Law in the Torah. It is interesting to compare how the context of the law shifts from Exodus to Deuteronomy. Who gets to rest, and why?
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdf
Affordable housing in india
1. AFFORDABLE HOUSING IN INDIA
AN INCLUSIVE APPROACH TO SHELTERING THE BOTTOM OF THE PYRAMID
Submitted to : ms vijaya
Submitted by:
B.PRAMOD KUMAR
10011BAO25
B.TECH(PLG),VI SEM
JNA&FAU,SPA
RESEARCH BY:
Jones Lang LaSalle
YEAR:2012
2. AFFORDABLE HOUSING IN INDIA
Urbanisation and Housing Shortage in India.
As per 2011 census, the country had a population of 1,210.98
million, out of which, 377.10 million (31.16%) lived in urban
areas.
During 2001-2011, the urban population
of India grew at a CAGR of 2.8%, resulting
in the increase in level of urbanisation from
27.81% to 31.16%.
This growing concentration of people in urban areas has led to
problems of land shortage, housing shortfall and congested transit
and has also severely stressed the existing basic amenities such as
water, power and open spaces of the towns and cities.
3. AFFORDABLE HOUSING IN INDIA
According to the 2011 census, the housing stock in urban India
stood at 78.48 million for 78.86 million urban households.
Urbanisation has resulted in people increasingly living in slums and
squatter settlements and has deteriorated the housing conditions of
the economically weaker sections of the society.
According to estimates of the Technical Group constituted by the Ministry
of Housing and Urban Poverty Alleviation (MHUPA), the urban housing
shortage in the country at the end of the 10th Five-Year Plan was
estimated to be 24.71 million for 66.30 million households.
The group further estimated that 88% of this shortage pertains to houses
for Economically Weaker Sections (EWS) and another 11% for Lower-
Income Groups (LIG).For Middle- and High-Income Groups (MIG and
HIG), the estimated shortage is only 0.04 million.
4. AFFORDABLE HOUSING IN INDIA
Source: Report of the Technical Group (11th Five Year Plan: 2007-12) on
Estimation Of Urban Housing Shortage.
INFERENCE: housing percentage shortage in EWS is 99.9 % which is double
than the estimated number of households.
Where as in HIG and MIG it is so less 0.2% only.
5. AFFORDABLE HOUSING IN INDIA
Affordable Housing Defined:
There is no clear-cut definition of the term ‘affordable’, as it is a
relative concept and could have several implied meanings in
different contexts.
According to the RICS Report on Making Urban Housing Work in
India, affordability in the context of urban housing means provision
of ‘adequate shelter’ on a sustained basis, ensuring security of
tenure within the means of the common urban household.
According to the Task Force on Affordable Housing set up by
the MHUPA in 2008, affordable housing for various segments is
defined by size of the dwelling and housing affordability derived by
the household income of the population
6. AFFORDABLE HOUSING IN INDIA
Definition of Affordable Housing – MHUPA (2011)
According to the KPMG Report on ‘Affordable Housing – A Key Growth Driver in the
Real Estate Sector’, affordable housing is defined in terms of three main
parameters, namely income level, size of dwelling unit and affordability.
7. AFFORDABLE HOUSING IN INDIA
Jones Lang LaSalle’s Definition of Affordable
Housing.
Minimum volume of habitation.
Provision of basic amenities.
Cost of the house.
Location of the House.
8. ISSUES IN THE DEVELOPMENT OF
AFFORDABLE HOUSING
Developing affordable housing in Indian cities faces significant
challenges due to several economic, regulatory and urban issues.
Excessive Control on Development of Land Creates Artificial
Shortage.
Lack of Marketable Land Parcels.
Titling Issues and Lack of Information.
Rising Threshold Costs of Construction.
Lack of Access to Home Finance for Low-Income Groups.
9. ISSUES IN THE DEVELOPMENT OF
AFFORDABLE HOUSING
Regulatory Constraints
Lengthy Approval and Land Use Conversion Process
The process of real estate development is particularly affected by
the efficiency of urban local bodies, which undertake city planning,
deliver utility services and regulate controls on development through
approvals.
India is ranked 177 out of 183 countries with respect to dealing with
construction permits2, which indicates the challenge developers face in
India in development of real estate.
Lack of Clarity in Building Bylaws and Guidelines.
Continuation of Archaic Laws
10. ISSUES IN THE DEVELOPMENT OF
AFFORDABLE HOUSING
Multitude of Statutory Approvals adds 2-2.5 Years to the Pre-
Construction Process
INFERENCE:construction process of statutory approvals adds 2-2.5 years in india
11. POLICY FRAMEWORK AND
REGULATIONS FOR AFFORDABLE
HOUSING
Central Level Schemes
National Urban Housing and Habitat Policy (NUHHP), 2007
Jawaharlal Nehru National Urban Renewal Mission (JNNURM)
Basic Services for the Urban Poor (BSUP)
Integrated Housing and Slum Development Programme.
Interest Subsidy Scheme for Housing the Urban Poor (ISHUP).
Rajiv Awas Yojana.
13. MAJOR HUBS OF AFFORDABLE
HOUSING DEVELOPMENT
Location of Projects and Their Distance from City Centre
Mumbai and NCR have affordable housing projects located 65–75 km
away from the city centre. On the other hand, Ahmedabad and Kolkata
provide better proximity, with projects located at a distance of 15–20 km
from the city centre.
Bangalore, Pune and Chennai also have projects after a distance of
25–30 km from the city centre.
Major Developers in the Segment
Amongst the developers, Tata Housing (Shubh Griha) and VBHC are
entirely focused on low-income affordable housing and have already
launched multiple projects across cities.
Mahindra Lifespaces, TVS Housing
14. INCOME LEVELS AND HOUSING
AFFORDABILITY
Disposable Surplus for House Purchase in Various Income Groups
INFERENCE:percentage of surplus of income is high when compared with
others.
15. SENSITIVITY OF RENT AS PERCENTAGE OF INCOME FOR
PERSONS OF VARIOUS INCOME GROUPS
INFERENCE:rent as a percentage of income is less for income group 2-3 lakhs
and it is high in income groups income 1000000 more.
16. DEMAND-SUPPLY DYNAMICS OF HOUSING FOR VARIOUS
INCOME GROUPS
Source: john lang lasalla Research
INFERENCE:Share of demand is high for income group 2-3 lakhs per annum
and supply is low when compared to other income groups.
17. HOME LOAN DISBURSALS BY HOUSING FINANCE COMPANIES
(HFCS)
INFERENCE:The home loan for above 10 lakhs is more every year.
18. ESTIMATED CONSTRUCTION COSTS FOR LOW-INCOME
HOUSING
INFERENCE:for one sq ft ,the selling price will be Rs 1,400 to 1,700.
19. The Landscape of Affordable Housing Development (units priced < INR 10
Lakhs) in Major Indian Cities
20. MAJOR HUBS OF AFFORDABLE
HOUSING DEVELOPMENT
INFERENCE: distance from centre of the city plays an important role creating
affordable housing hubs .
22. NEWS PAPER ARTICLES
MHADA joins hand with private
developers.
Activities of affordable housing
by NGO.
23. CONCLUSION
Historically, housing for the poor and the economically weaker sections
of the society ( EWS) has been provided by the government under
various welfare schemes.
Nevertheless, this is insufficient compared to the existing shortage in
the segment," says report on urbanization and housing shortage in
India by Jones Lang LaSalle India.
The main reasons for rise in shortage in affordable housing on the
supply side is lack of availability of urban land, rising construction costs
and regulatory issues while lack of access to home finance for low
income groups are constraints on the demand side.