Jan Van HoeymissenAn Denis

Social Housing

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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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• Build• Buy & renovate• Sell• Rent• Long lease (trust)

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• Long lease: 1 experience houses 2 experiences with monestaries Many plans

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• Merksplas: “kolonie” • 64 houses • 56 in LTR• Enviroment• Central• “ruins” (examples)

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166

HOUSE TRUST66 HOUSES

MERKSPLAS

• Big houses• Great enviroment• Big gardens; great community

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• Big houses• Great enviroment• Big gardens; great community

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• 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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• 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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• Disadvantages for the lease-hold-taker:No ownerCompulsary worksNot possible to sell for several yearsPayment never stops

• Cost: 2% of ½ of ground-priceStarting capitalUnclarities:

• Fiscal rules ?• Loans ?

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• Advantages for the lease-giver: Owner Building gets renovated Compulsary rules Maintenance of the houses

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• 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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Seperate organisation:– List of candidates– Notary– Controle– Follow-up (payment; works, …)

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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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• Needs:– Housing– Comfortable– Central– Enviroment– Payable– “ownership”

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• Possibilities:– Rent– Buy– Trust– Land trust

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• Opportunities• Needs• Problems:– Way of thinking– Lacks in the legislaticon

• Gouvernment

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• Needs for residents:– Certainty for housing– Payable– Good site– Transport-possibilities

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• 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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• 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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• 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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• 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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• costs: ground: – No basic investment– Ground value: f.e. 60,000 €– 2 % /year : 2,000 € = 100 €/mnth

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• House:– Basic: 90,000 €– Payable on 30 (of more/less) years– = max. 250 €/mnth. (+ interest?)

(depends on own investment)

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• Finishing the house:– Own choice– Depending on financial and other possibilities– Whenever convenient for the trust-taker

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• After “a lifetime”: – 90,000 € is payed to the enharitages– Land + house back to the trust-giver

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• Issues to be defined: fiscality possibilities to rent Definition of “a life time”

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• Main problem: different mentality in Flanders Marketing

• DNK will try to do as much as possible within the actual possibilities.

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