Ground lease belgium presentation brenda torpy
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This document summarizes Brenda M. Torpy's presentation on ground leases used by community land trusts. It discusses the challenges of using ground leases, including legal issues, difficulties in separating land ownership from homes, and cultural resistance to non-private land ownership models. The presentation outlines key components of ground leases, such as ownership structure, lease terms, fees, responsibilities of owners, and resale formulas. It also discusses best practices for ground lease documents and critical decisions around resale formulas.
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L53o 13-01 infosessie clt an rommel
The document discusses EU funding opportunities for non-profit organizations. It provides information on the main activities of Knowledge Center Social Europe, which includes informing organizations about EU policies and supporting them with EU projects. It then summarizes different types of EU grants and programs in areas like education, social innovation, research, and regional development that non-profits can apply for. Contact information is provided for Knowledge Center Social Europe which can help organizations navigate EU funding opportunities.
Engagement belgium brenda torpy
The Champlain Housing Trust (CHT) engages community and resident members in several ways:
1) CHT has an open membership that includes anyone living in its service areas of Chittenden, Franklin, and Grand Isle Counties in Vermont. Members elect some board seats and have powers over board decisions, bylaws, and the resale formula.
2) CHT engages resident members through newsletters, an annual meeting, picnic and other events. Resident members can also serve on the board.
3) CHT provides programs and services to both renters and homeowner residents, including outreach, homebuyer education, and post-purchase workshops on maintenance, financing and more.
Cht belgium brenda torpy
The document summarizes the work of the Champlain Housing Trust (CHT), a community land trust founded in 1984 in Burlington, Vermont. It discusses how CHT uses the community land trust model of separating land ownership from home ownership to provide permanently affordable homeownership and rental opportunities. Over 30 years, CHT has developed over 6,000 affordable homes and apartments while experiencing much lower foreclosure rates than national averages during the 2008 housing crisis. CHT has also helped low-income homeowners build wealth over time by placing resale restrictions on homes to maintain affordability for future buyers.
Cl ts and the civil rights movement brussels 2013 tony picket
The Civil Rights Movement in Albany, Georgia in the early 1960s saw the founding of the Albany Movement in 1961 which demanded an end to segregation. By 1962, over 1000 protesters had been jailed, including Martin Luther King Jr. and Ralph Abernathy who were invited to town by the Albany Movement. Slater King, a cousin of Martin Luther King Jr., was one of the leaders of the Albany Movement and a civil rights activist. After being assaulted by local police, his brother C.B. King, who was a civil rights attorney, represented him.
Brussels clt model organizational and issues options tony picket
This document provides an overview of organizational and operational choices for starting a Community Land Trust (CLT). It discusses the classic CLT model of a nonprofit organization with tripartite governance that owns land and provides affordable housing and community spaces through ground leases that maintain perpetual affordability. It notes there are variations on this model in terms of sponsorship, governance structure, service area, beneficiaries, development strategy, and type of development. The document explores options like government, nonprofit or employer sponsorship and adjusting the board composition, service areas served, who is benefited, how development is approached, and what types of housing are developed.
130626 clts in a rural context (hannah fleetwood)
Rural communities in Britain face several challenges including lower earnings, higher house prices, an aging population, and declining services. While only 19% of people in England live in rural areas, British community land trusts (CLTs) are predominantly a rural phenomenon, with 90% located in rural places. Rural CLTs have emerged as a response to threats around housing affordability and sustainability of rural communities. They typically work either independently to develop housing or partner with housing associations to leverage expertise, manage risk, and access funding. Organizing rural communities to support CLTs can be difficult due to small populations, isolation, and entrenched views, requiring focused efforts like networking and training.
20130701 clt gent jan van hoeymissen
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.
Presentation 2 july 2013 clt allice pitini
This document discusses housing issues in the European Union. It provides background on CECODHAS - Housing Europe, which is a federation of housing organizations that manage 25 million dwellings, or 12% of the EU's total housing stock. The document then discusses factors like the housing bubble and crisis, high housing costs burdening many Europeans, and growing housing needs. It also covers trends like declining home ownership and social housing. Overall, the document analyzes housing challenges in the EU and opportunities for addressing these challenges through various EU policies.
clts in a rural context (hannah fleetwood)
Rural communities in Britain face several challenges including lower earnings, higher house prices, an aging population, and declining services. While only 19% of people in England live in rural areas, British community land trusts (CLTs) are predominantly a rural phenomenon, with 90% located in rural places. Rural CLTs have emerged as a response to threats around housing affordability and sustainability of rural communities. They typically develop housing with either a "go it alone" model or through partnerships with housing associations who can provide development expertise and manage the housing. Organizing rural communities to support CLTs can be difficult due to small populations, isolation, and entrenched views, requiring efforts like networking and training.
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Emily thaden and branda thorpy tuesday state of u.s. cl_ts 6-20-13
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The state of the clt movement in the uk hannah fleetwood
The state of the clt movement in the uk hannah fleetwood
Cl ts and the civil rights movement brussels 2013 tony picket
Cl ts and the civil rights movement brussels 2013 tony picket
Brussels clt model organizational and issues options tony picket
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Jean phillipe attard 2 juillet 2013 Vers le développement de CLT en France?
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みなさんこんにちはこれ何文字まで入るの？40文字以下不可とか本当に意味わからないけどこれ限界文字数書いてないからマジでやばい文字数いけるんじゃないの？えこ...
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Ground lease belgium presentation brenda torpy
- 1. Champlain Housing Trust: Ground Lease Knowledge Building Across Community Land Trusts In Europe and the United States Belgium – July 1, 2nd, 2013 Brenda M. Torpy, CEO
- 2. Presentation Overview • What is a Ground Lease? • Challenges in using a Ground Lease Model • Key Components of the Ground Lease • Best Practices in Drafting a Ground Lease • Critical Decisions- Resale Formula • Questions and Answers
- 3. Ground Lease ties the improvements & land together •Community Land Trust owns the land •Individual owns the home and the leasehold interest in land Dual Ownership
- 4. I. Legal II.Real Estate Finance & Industry Practice III.Culture & Social Challenges to the Ground Lease Model in the US
- 5. I. Legal Solution Contract between two consenting parties Term Limit (99 years) and renewable Community in Community Land Trust – Legal Documents are not only protection of mission Rule Against Perpetuities – Prohibition against limiting commercial value of land
- 6. II. Real Estate Finance & Industry Practice Challenge: Residential real estate never separates land and home Challenge: Appraisers resist valuing house separately from land Very difficult to change an industry that is philosophically wary, if not hostile towards our mission Many years to gain acceptance from lenders and realtors to offer mortgages to CLT buyers.
- 7. III. Cultural & Social Property law and industry practice reinforced cultural value of private ownership and freedom to profit. Solution: Affordability and access to the highly prized ownership of a home. In Vermont, a rural state, owning the land had even greater significance and these attitudes needed to be overcome. CHT made CLT ownership as like the market as possible. This has deep and broad support now.
- 8. Key Components of Ground Lease • Owner can use land just as a typical homeowner would Use of Land • 99 years, can be renewed once Term of Lease • CHT requires at least 6 months Owner Occupancy • CHT charges $35/month. Market rates are approx. $300/month Ground Lease Fee • To pay property taxes and insurance Owner Responsibility • To maintain home Owner Responsibility • Including Capital Improvement Credits Resale Formula
- 9. • Signed document stating mutual understanding of unique nature of transaction • Purpose: to outline the intent of the parties in signing the lease Stipulation • Acknowledgement by owner that he/she was represented by legal counsel • Acknowledgement that legal counsel reviewed all CLT closing documents Client Declaration • Defines CLT and Lender’s rights and responsibilities • Guards against homeowner refinancing without CLT approval Permitted Mortgages Best Practices (Exhibits to Lease)
- 10. Resale Formula- Critical Decisions Appraisal Based Index Based Owner receives a guaranteed return (1% or 2% increase of purchase price when selling) Goal: To guarantee home stays affordable Advantages: Simplicity, owner gets increase even when market value decreased Owner Receives a percentage (25%) of market appreciation Goal: To try to mirror the open market as much as possible Advantages: Easier to gain acceptance by lenders, owner benefits when market value increases
- 12. Questions?