National Policies & Programs on Habitat

Presented by: MALIKA GUPTA M.Arch, II Sem. J.M.I

INTRODUCTION

AFFORDABLE HOUSING IN PARTN

This Scheme is a part of the Jawaharlal Nehru National Urban Renewal Mission (JNNURM) This Scheme comes under Ministry of Housing & Urban Poverty Alleviation This Scheme came into effect from 1st April , 2009. provide a major stimulus to economic activities
through affordable housing for creation of employment, especially for the construction workers and other urban poor

The Scheme of Affordable Housing in Partnership aims at operationalising the strategy envisaged in the National Urban Housing & Habitat Policy (NUHHP) PROMOTING VARIOUS TYPES OF PUBLIC-PRIVATE PARTNERSHIPS Government Sector Private Sector, Cooperative Sector, Financial Services Sector, State Parastatals, Urban Local Bodies

The scheme is primarily applicable to the 65 cities covered under the Basic Services to the Urban Poor (BSUP) programme. The scheme seeks to encourage State Governments to make provision for land to meet the acute shortage of affordable housing and to work in the partnership model

OBJECTIVES

AFFORDABLE HOUSING IN PARTN

Its immediate objective is employment generation to the urban poor, especially construction workers, where adverse impact of current economic downturn is being experienced.
The basic aim of the Scheme is to provide stimulus to economic activities through affordable housing programmes in partnership. The Scheme will also strive to ensure equitable supply of land, shelter and services at affordable prices to all sections of society, and thereby to prevent the growth of slums in urban areas.

DEFINITION OF AFFORDABLE HOUSING

IN TERMS OF SUPER BUILT UP
EWS - 300 SQUARE FEET

IN TERMS OF CARPET AREA

EWS - MIN. 25 SQUARE METRES

LIG - 500 SQUARE FEET

LIG - MAX. 48 SQUARE METRES

MIG - 1200 SQUARE FEET

MIG - MAX. 80 SQUARE METRES

CONFIGURATIONS vary from studio apartments to compact 2 BHKs. at costs that permit repayment of home loans in monthly installments not exceeding 30% to 40% of the monthly income of the buyer.

INTRODUCTION
You qualify for the Affordable Housing Scheme if

AFFORDABLE HOUSING IN PARTN

You are in need of housing and your income satisfies the income test below, or You are registered on a housing waiting list with a local authority, or You are a local authority tenant or a tenant purchaser and you want to buy a private house and return your present house to the local authority, or You are a tenant for more than one year of a home provided by a housing association under the Capital Loan and Subsidy Scheme and you want to buy a private house and return your present house to the housing association.

Provision of central assistance of 25% for the cost of the provision of civic services for projects for affordable housing at an approximate cost of Rs.5000 crore. The objective of the scheme would be to support the construction of 1 million affordable dwelling units in the first phase, with a minimum of 0.25 million EWS dwelling units.

SCHEME

AFFORDABLE HOUSING IN PARTN

The layout and specifications including design of the affordable houses to be built would be approved by the State/UT Government or its designated implementing agency.
Projects prepared by urban local bodies/urban development agencies/housing boards/improvement trusts -designated as IMPLEMENTING AGENCIES accompanied by duly approved layout plans and maps to scale would be POSED FOR SANCTION to the State Level Steering Committe the Central Sanctioning and Monitoring Committee set up for BSUP

Land for an affordable housing project could be identified within municipal limits, or on the periphery or outskirts of towns and cities within jurisdictions of development or planning authorities. Projects with a minimum of 200 affordable houses would be entertained. Dwelling units built under this scheme would be a mix of EWS/LIG/MIG. SALE PRICE OF DWELLING UNITS would have an upper ceiling in terms of Rupees per square metre of carpet area. This ceiling would be proposed by he States/UTs for different classes of cities for approval by the Central Sanctioning & Monitoring Committee.

SCHEME

AFFORDABLE HOUSING IN PARTN

Creating adequate housing stock both on rental and ownership basis with Special emphasis on improving the affordability of the vulnerable and economically weaker sections of society through appropriate capital or interest subsidies. The loan can be up to 97% of the price of the house, subject to repayments being no more than 35% of the household net income. Beneficiaries would be selected and allotments made on a transparent procedure by the State / implementing agency, e.g. draw of lottery, based of detailed guidelines approved by the State/UT Government. Beneficiaries would be selected in advance to beginning construction, so that the loan for construction can be availed directly by beneficiaries. A tripartite agreement between loanee, bank and development agency should enable facilitation of loan procedures for the individual, and release to the development agency as per the progress in construction. In the case of partnership with a private developer on Government land, it would be required of the State/UT Government / implementing agency to select the private party by a transparent bidding process.

EWS/LIG beneficiaries can be enabled to access loans under the Interest Subsidy Scheme for Housing the Urban Poor (ISHUP), which provides5% interest subsidy on loans up to Rs 1 lakh.

REGULATORY FRAMEWORK OF THE SCHEME

Cost of construction can be held down by construction through no profit no loss organizations or at reasonable profit; and by beneficiaries directly accessing institutional funds for construction, namely the loans offered by public sector banks, available at reduced interest rates to individual buyers Land costs would be intermediated by States/UTs and Development (as announced under the economic stimulus package). Authorities/Urban
Local Bodies, by providing land at nominal, predetermined or institutional rates (not including more than cost of acquisition and development costs of land) for specified housing or integrated housing projects. This would be the prerequisite for the scheme.

AFFORDABLE HOUSING IN PARTN

Cost of construction can also be driven down by adopting appropriate construction technologies.
The State/UT Government may also permit a portion of the identified plot of land being used for construction of HIG dwellings or commercial purpose, on which the development partner can raise funds to cross-subsidize the construction of EWS/LIG dwellings.

Costs of land can be intermediated

attracting private developers granting zoning-related incentives

as land use conversion, extra FAR for the construction of affordable houses to be allotted by the State/UT government

PROMOTE WELL DESIGNED PUBLIC-PRIVATE PARTNERSHIPS

CENTRAL GOVERNMENT ASSISTANCE

AFFORDABLE HOUSING IN PARTN

Provision of civic services such as water supply including ground level/overhead service reservoirs, storm water drainage, solid waste management, sewerage including common sewerage treatment facilities, rain water harvesting, approach roads, electricity lines including electricity transformers, parks and playgrounds and other amenities
Central Assistance under the scheme will be limited to least of following: Rs. 50,000 per Dwelling Unit for all dwelling units taking EWS, LIG and MIG units together which are proposed in the project; and 25% of the cost of all civic services (external and internal) proposed in the project

Release of Central Government share would be in three installments to the State/UT Government or its designated agency on reimbursement basis (@ 25%. 50%, 25% respectively). The last installment would be released after ascertaining the completion of construction and selection of beneficiaries.

NATIONAL STEERING GROUP OF JNNURM

MONITORING PROGRESSAFFORDABLE HOUSING IN PARTN OF PROJECTS

The Ministry of Housing & Urban Poverty Alleviation will periodically monitor the scheme.
A provision of 5% of the grant will be earmarked under the Ministry's Budget for meeting Administration and expenses, including support for project preparation, appraisal, monitoring, evaluation, and capacity building activities at various levels. State Level Nodal Agency would send quarterly progress report to the Ministry of Housing & Urban Poverty Alleviation. Upon completion of the project, nodal agency through the State Government, would submit completion report in this regard. Central Sanctioning & Monitoring Committee may meet as often as required to sanction and review/monitor the progress of projects sanctioned under the Mission. Monitoring of progress of implementation of reforms may be outsourced to specialized/technical agencies.

EXAMPLES
AFFORDABLE HOUSING IN DELHI - NCR

AFFORDABLE HOUSING IN PARTN

Builders like Ansals, BPTP, Unitech, Vatika Group, ATS, Rahejas, Siddharth Buildtech, Skytech etc. are offering lowcost affordable quality homes ranging between Rs. 7 - 25 Lakhs. Public Sector Housing Authorities and Developers like DDA & NBCC are also undertaking various affordable housing projects in Delhi NCR to cater to the demand of Affordable Quality Homes. Some of the major projects on offer since 2009 to 2012 (expected completion of the projects) include:
GREATER NOIDA ANSALS MEGAPOLIS - Studio Apartments (Rs. 8 lakh), 1 BHK - 600 sq. ft. (Rs.12 lakh), 2 BHK - 1,000 sq. ft. (Rs. 18 lakh) & 3 BHK - 1,500 sq. ft. (Rs. 25 lakh) PANACHE HOMES AT OMAXE PALM GREENS, Sector - Mu - Studio Apartments 600 sq. ft. (Rs.17 lakh), 2 BHK - 800 sq. ft. (Rs. 21 lakh) DELHI NBCC APARTMENTS, NEAR CHATTARPUR MANDIR, MEHRAULI - Expected Price Range for the Flats would be 2 BHK (Rs. 20 lakh), 3 BHK (Rs. 30 lakh) & 4 BHK (Rs.40 lakh). GLOBAL EQI-CITY, NH-8, GURGAON by Falcon Realty Services - Studio Apartments (Rs. 5.5 lakh), 1 BHK - 650 sq. ft. (Rs.10 lakh) & 2 BHK - 950 sq. ft. (Rs. 14.5 lakh)

HOUSING FOR 18600 EWS CATEGORY , ROHINI, NARELA AND DWARKA

HOUSING FOR 18600 EWS CATEGORY , ROHINI, NARELA AND DWARKA

BRIEF DESCRIPTION ABOUT THE PROJECT: TOTAL 18600 EWS HOUSES ON PREFAB CONSTRUCTION TECHNOLOGY ON VARIOUS POCKETS IN ROHINI, NARELA AND DWARKA HAS BEEN PROPOSED. THE UNITS ARE ESSENTIALLY TWO-ROOM UNIT WITH SEPARATE W.C AND BATH CUBICLES AND KITCHEN WITH A SIT-OUT BALCONY. TYPOLOGY OF BUILDING BLOCKS- WALKUP UNITS WITH FIVE FLOORS, TOTAL BUILDING HEIGHT -LESS THAN 15 MTS. ONE STAIRCASE CATERING FOUR UNITS AT EACH LEVEL, AND ACCESS TO ROOF IS THROUGH M.S LADDER. PUBLIC PRIVATE PARTNERSHIP MODEL: DELHI DEVELOPMENT AUTHORITY (DDA) M/S B.G.SHIRKE CONSTRUCTION TECHNOLOGIES PVT. LTD through their consultant Architect M/S Sumit Maity Architects. DESIGN-BUILT PROJECT ON TURN KEY BASIS USING PREFAB TECHNOLOGY ESTIMATED COST = Rs.554 CRORES, QUOTED COST = Rs.764 CRORES, NEGOTIATED COST = Rs. 762 CRORES

HOUSING TO BE MADE AFFORDABLE BY FOLLOWING MEASURES: The basic parameter being pre-fab technology, the modulation of blocks had to be so worked out that it can be adopted at all sites without changing structural configurations

CASE STU

HOUSING FOR EWS CATEGORY , ROHINI

BRIEF DESCRIPTION ABOUT THE PROJECT:

CASE STUDY

HOUSING FOR EWS CATEGORY , ROHINI

TYP. EWS BLOCK DETAIL PLAN

CASE STUDY

PROPOSAL

KEY-PLAN

ENCROACHED LAND AT SITE

HOUSING FOR EWS CATEGORY , POCKET II, SECTOR G2-6, NARELA

BRIEF DESCRIPTION ABOUT THE PROJECT:

CASE STUDY

HOUSING FOR EWS CATEGORY , POCKET II, SECTOR G2-6, NARELA

BARREN LAND TYP. EWS BLOCK DETAIL PLAN

CASE STUDY

PROPOSAL KEY-PLAN

HOUSING FOR EWS CATEGORY , POCKET 8, SECTOR 23, DWARKA

BRIEF DESCRIPTION ABOUT THE PROJECT:

CASE STUDY

TYP. EWS BLOCK DETAIL PLAN

KEY-PLAN

PROPOSAL