1. Financiamento Habitacional

2. Composição do PIB 2008 por sectores

3. Indices de Competitividade Internacional
Fonte: Banco Mundial, Doing Business 2009
Facilidade em... Variação
200 200
9 8
Indice Geral 168 169 1
Começar um negócio 156 176 20
Obtenção de licenças de Construção 125 134 9
Empregar pessoal 174 175 1
Registo de Propriedade 173 169 -4
Obtenção de Crédito 84 79 -5
Protecção dos Investidores 53 49 -4
Pagamento de Impostos 130 126 -4
Comércio Transfronteiriço 172 169 -3
Cumprimento de contractos 179 179 0
Fechar o negócio 142 141 -1

5. Politica Habitacional do Estado
• Criado para a implementação do Programa Governamental para a
construção de 1 milhão de habitações no quadriénio 2009-2012
• O Governo defende as seguintes estratégias para a sua
implementação:
– Regulamentação do sistema de crédito habitacional;
– Criação de isenções e ou reduções de impostos sobre a
aquisição de imóveis e concessão de terrenos para a
construção de residências;
– Aprovar directivas gerais da política de afectação de terrenos
para fins habitacionais
• Meta: 1,000,000 de fogos
– 150.000 habitações - Sector Público 11,2%
– 120.000 habitações - Sector Privado 12%
– 80.000 habitações - Cooperativas 8%
– 685.000 habitações - Auto-construtores (rurais/ urbanos) 68,5%

6. Fundo de Fomento Habitacional
• Inicio primeiro semestre 2009
• Financiar a compra de casas para as famílias de baixa renda
• Subsidiar arrendamentos
• Financiar cooperativas de habitação
• Financiar projectos imobiliários
• Financiar projectos de autoconstrução dirigida
• Papel do estado:
– Orientador
– Regulador
– Financiador
• Prioridades:
– Pessoas de baixos recursos
• Valor: 50 mil milhões de dólares
– 12,5 mil milhões por ano (equivalente a 24% dos gatos do estado para
o ano 2009)

7. Fundo de Fomento Habitacional

11. DW Social Enterprise Model
• Social Enterprise is a
business with primarily
social objectives.
• It works in the market place
employing good commercial
practice.
• It is able to atract financial
capital investments.
• But it’s surpluses are
principally reinvested in
order to achieve significant
social impact.

12. Equity PSI /
DWA CLIFF
Funds Investor
HabiTerra Project Social Housing
HabiTech
Building Fund Project
Components
Supply
Chain
Organigra Physical Product
m
Kixi
End Users Financial Product
Credito
Debt
Guarantor
Financer

13. Unserved Demand for Housing
Lowest
Low High
Income
Dem and for Housing Finance Income
Govern ment
Govern ment Consu mer
Consu mer Mortg age
Progra ms Lenders Banks
Banks
Progra ms No access t o fo r m al
Subsidies
NGOs
NGOs ho u sin g
Coop eratives
eratives
Slum Residents
Potential Housing Finance Clients Economic Sector of
Entrepreneur & Potential Housing Finance Clients
Non-Contract Employee Agriculture
Workers 1% 1%
9%
Services
42%
Trade
Micro-
53%
Entrepreneur
Salaried
52%
Employees
38%
Manufacturing
4%

14. Target Beneficiaries of HabiTec
Pot ent ial Market Segment Pyramid
Formal
Housing
Elit e 25%
Middle
Banked
Class
Mortgage
Bankable
Economically
Slum 60%
Dwellers Act ive Poor
Not Banked
Target Beneficiaries Potentially Housing
MicroFinance Clients
Vulnerable Groups 15%
Heavilly Subsidised Housing
Un-Bankable

15. Huambo Post-Conflict Target Community
Regional Targeting
Luanda
Huambo
National
Indicators
GDP per capita
(US$) 3,476 489 2,422
Poverty Index % 49.1 60.5 59.7
Unemployment
Rate % 20.9 37.5 27.4
Business 100.
71.2 4.2
Volume %[1] 0
[1]
Percentage of national business transactions that occur by province.

16. HabiTerra Project at Quissala
• The project is the first phase of the an overall development
of a 120Ha site at Quissala bairro, owned by DWA, located
across the road from the main market in Huambo.
• The city of Huambo is the second largest within the country
and suffered a large amount of destruction and damage
during the civil war that ended in 2002.
• Currently there are no organisations or company delivering
any housing or housing finance products within this market
segment of the working poor.
• DWA will set the precident for housing and housing finance
delivery with this project, both to focus the local and central
government and the financial sector interest by doing the
project.
• DWA has excellent relationship with both the local authority
and the central government and it is expected that this
project will have a significant impact politically.

17. Project Description:
Number of Units: 120 in phase 1 scaled up to
Phase 2 & 3 2,500 units
Land Status: Owned by DWA, being re-
zoned
Bulk Services:
Water Supply Borehole with standpipe
serving 50 households
Seweage Improved DryPit Latrines
Electricity Not Included
Roads Graded and compacted earth
Average Plot Size: 250.00 m2

18. HabiTerra Auto-Construção

19. KixiCasa – Microfinance for Auto-Construção
• Credit will be provided to owner builder to
construct from scratch and expand the
client’s home or through various micro-
loans.
• The technical assistance needs of the
participants varies from family to family
including finance, housing advice, design,
cost estimates, and supervision.
• Tools to estimate the construction budget
are effective for control of construction
costs, and ensure that loan reimbursements
cover the needs of customers.
• DW does skills upgrading for: masons,
carpenters and construction supervisors in
improved techniques of housing
construction.

20. End User Finance
Designed for incremental home construction & land purchase
Purpose:
Type: Individual
Target Customer Base: Salaried employees (primarily) and Micro-entrepreneurs and
Interest Rate: 24% on a declining basis
Loan Amount Range: USD 3000 to USD 6000
Loan Amount Average: USD 3500
Maturity: Up to 36 months, with an average of 24 months
Compulsory Upfront Savings 20%
Repayment Frequency: Monthly
Eligibility: Clients with the requisite capacity to repay; client ability to prove
security client ability to prove land security through the life of
the loan repayment period. Low-paid salaried employees.
Collateral: Solidarity Group or Guarantors (2)
Portfolio share Expected to constitute approximately 75% of the KixiCrédito
Housing Portfolio

21. Housing Upgrading Loans
Designed for incremental home improvement
Purpose:
Type: Individual
Target Customer Salaried employees (primarily) and
Base: Micro-entrepreneurs and
Interest Rate: 24% on a declining basis
Loan Amount USD 800 to USD 3000
Range:
Loan Amount USD 1800
Average:
Maturity: Up to 12 months, with an average of 10 months
Compulsory Upfront none
Savings
Repayment Monthly
Frequency:
Eligibility: Clients debt load not exceeding 30%
Collateral: Solidarity Group
Portfolio share Expected portfolio (at least 25%)

22. Housing & Support Services

23. Intcremental Housing Model
Phase One Phase Two Phase Three
Site Layout
30 meters sq. 45 meters sq. 60 meters sq.

24. Incremental House Tipologia

25. Incremental Housing Typology

26. Qissala Urbanism Plan

27. CLIFF 1st Phase Financing
CLIFF Capital £ $ 1,305,170.05
Requirement 815,731.28
CLIFF Finance Type Loan
Recycling
% Recycled 85% .
% Retained 15% Based on Recycled
funds
% Return 85%
Return Payments After 4 years

28. Opportunities & Challenges
• The Angolan Government has committed itself to the building of
1,000, 000 housing units by the end of 2012.
• 670,000 of these houses are to be built by auto-construcao.
• They have also promised to provide 80% coverage of water
and sanitation units through the Water for All Programme.
• Banks however are reluctant to provide housing mortgages due
to the weak land tenure legislation and loan guarantees.
• Development Workshop has been invited by the Municipality of
Huambo to build the countries first municipal cadastre system.
• DW has been invited by the Minister of Urbanism to advise on
national urban & housing policy.
• We have a strategic opportunity to influence national policies on
financing of pro-poor housing through the CLIFF Programme.