un-habitat sirp three models of small housing loans
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UN-HABITAT SIRP UN-HABITAT SIRP Three models of Three models of
small housing loanssmall housing loans
ZLATA VUKSANOVIC-MACURAUN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP)
Exploring Opportunities for Improving Housing Microfinance Services for Roma12 -13 April 2007, Skopje, Macedonia
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• The SIRP Programme is implemented by UN-HABITAT in collaboration with the Ministry of Capital Investments of Republic of Serbia
• SIRP is implemented in 7 Municipalities in Serbia• SIRP duration is July 2003 – December 2008• SIRP is funded by the Italian Government with 15 million EURO• Partners at the local level are Municipal authorities, Municipal
Housing Agencies and local NGOs
UN-HABITAT SIRP UN-HABITAT SIRP Settlement and Integration of Refugees ProgrammeSettlement and Integration of Refugees Programme
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• HHousingousing policies, instruments, 530 new and 140 alternative housing solutions
• MMunicipalunicipallocal strategic development plans, capacity building
• IIntegration of ntegration of refugeesrefugees
social and economic integration of refugees and local vulnerable population
UN-HABITAT SIRP UN-HABITAT SIRP Programme ComponentsProgramme Components
7 7 Municipalities of Municipalities of SerbiaSerbiaCacak
Kragujevac
Kraljevo
Nis
Pancevo
Stara Pazova
Valjevo
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• 530 new housing units for public rental housing
• 140 alternative housing solutions
• Project design documentation through open architectural competitions
UN-HABITAT SIRP UN-HABITAT SIRP Housing Component in 7 MunicipalitiesHousing Component in 7 Municipalities
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• Support Municipalities to formulate Municipal Housing Strategies • Establishment of Municipal Housing Agencies (MHAs) as Municipal
sustainable instruments for development and management of housing projects
• Template documentation and standardised procedures• Support formulation process for National Housing Policy and
Strategy for Social Housing
UN-HABITAT SIRP UN-HABITAT SIRP Housing Component in 7 MunicipalitiesHousing Component in 7 Municipalities
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Parts of alternative housing solutions are the small loans and grants to vulnerable households
Three different models have bee developed
Three models of Three models of
UN-HABITAT SIRP small housing loansUN-HABITAT SIRP small housing loans
Model Beneficiaries Maximal loan/grant
size ($)
Repayment period
Grace period
Subsidies Beneficiaries
Contribution
Inters rate
Repayment per months
Technical assistance
to beneficiaries
Support Programmes
Grants Poor Roma families
$ 2,000 - - 100% In-kind - - Yes Yes
Loans RefugeesLocal population
$ 4,000 50-10 years 4 months 50% In-kind $ 2,000
6% $ 28 to 49 No No
Loans Refugees, IDPs, local population
$10,000 50-10 years 4 months 50% In kind $5,000
8% $ 96 to 161 No No
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The loan scheme:Small loans for purchase of construction material for finalization of the construction and improvement of housing conditions of partly constructed family houses of refugees and other low-income population
The loan beneficiaries are:• refugees, former refugees • local population• Live as tenants • Live in own house that has inadequate living conditions
Two typical cases will be eligible to the beneficiaries that have started construction:• Legally, with a proper building permit, • Without building permit, but have entered in the process of legalization of their house.
Small loans for purchase of construction Small loans for purchase of construction materialmaterial
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Application will comprise the following pre-requisites:• Submission of valid documentations, regarding land use, building permissions, and
planning conditions. • The construction material will be granted in the cases that these means could finalize
the minimal housing unit that is required, considering the number of family members.
Eligible works• net area of a housing unit should not exceed 20 m2 per household member• overall construction cost must have a value lower than 520 USD/m2. • application of standard non-luxurious materials and equipment.
Small loans for purchase of construction Small loans for purchase of construction materialmaterial
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The loan scheme:• The loan beneficiaries will benefit from attractive financial schemes to complete
unfinished individual houses• The direct beneficiaries will be tenants, under low-profit rental conditions, of individual
homeowners• The house will be shared in two units, the 1st one for self-occupation and the 2nd to
be rented to the direct beneficiaries.
The loan beneficiaries are:• Owners of an unfinished family house
The direct beneficiaries are• refugees, former refugees • IDPs• local population • Live as tenants
Two typical cases will be eligible to the beneficiaries that have started construction:• Legally, with a proper building permit, • Without building permit, but have entered in the process of legalization of their house.
Creation of private rental units in Creation of private rental units in unfinished family housesunfinished family houses
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Criteria for selection• legal pre-conditions include formal proof of property or leasehold on land• non-possession of other housing property at territory of Serbia• a building permit or an official note that the house could be legalized • household income limit - a upper income limit per household member
Eligible works:• net area of a housing unit should not exceed 20 m2 per household member• overall construction cost must have a value lower than 650 USD/m2
• Application of standard and non-luxurious materials and equipment
Creation of private rental units in Creation of private rental units in unfinished family housesunfinished family houses
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The small grant scheme is a part of the pilot exercise of upgrading and regularization of the Roma settlement in Kraljevo. The exercise is programmed through improvement of infrastructure, preparation of the urban plan, and self-help construction based on active participation of local community, professionals and municipal technicians and officials.
Grants to the poorestGrants to the poorestRoma FamiliesRoma Families
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The grant scheme:• The grant beneficiaries will poor Roma
families to improve housing conditions• The grant is steered to purchase of
construction material for building baths and toilets as additional units to existing house
• The grant will include: technical assistance to families and executive project design
• Professional assistants to families – builders, plumbers, electrical craftsman
• Contribution of families in labour• The loan beneficiaries are:• Poor Roma families inhabitants of
“Grdicka kosa 2” settlement
Grants to the poorestGrants to the poorestRoma FamiliesRoma Families
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Criteria for selection• Based of the results of the survey in the settlement and other criteria• Existing living conditions and economic status of the family• Numbers of children, etc• Representatives from local Roma community and MHA will select
families, based on the criteria
Eligible works:• overall construction cost must have a value of 2000 USD. • Application of standard and non-luxurious materials and equipment
Grants to the poorestGrants to the poorestRoma FamiliesRoma Families
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UH-HABITAT SIRP is implementing microcredit schemes through • building the capacities of local authorities, and • local communities (beneficiaries)
to organize themselves and start working on housing and infrastructure for vulnerable population
The process includes:• Needs assessment• Standardised selection procedure including a legal and technical application
model• Processing, ranking and decision on awarding loans• Loan contracting• Monitoring of the process • Collection of repayments • Repayment to the national housing finance institution
ConclusionConclusion
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Thank you for your attentionThank you for your attention
ZLATA VUKSANOVIC-MACURAUN-HABITAT, Housing Coordinetor of the Settlement and Integration of Refugees Programme in Serbia (SIRP)