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Jan Van Hoeymissen An Denis
DE NOORDERKEMPEN Jan Van Hoeymissen An Denis Social Housing
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DE NOORDERKEMPEN 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 Make available Best techniques,
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DE NOORDERKEMPEN Build Buy & renovate Sell Rent Long lease (trust)
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DE NOORDERKEMPEN Long lease: 1 experience houses
2 experiences with monestaries Many plans
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DE NOORDERKEMPEN Merksplas: “kolonie” 64 houses 56 in LTR Enviroment
Central “ruins” (examples) Tramps 64 houses 8 houses rent Gouvermental - guards
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MERKSPLAS 166 House trust 66 houses
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DE NOORDERKEMPEN Big houses Great enviroment Big gardens; great community
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DE NOORDERKEMPEN Big houses Great enviroment Big gardens; great community
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Get the complete property in trust for 99 years
DE NOORDERKEMPEN 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 € € Habitation duty: 10 – 20 years Compulsary works Ground + house
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Advantages for the lease-hold-taker:
DE NOORDERKEMPEN 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 It gives the heritage-taker the possibility to kind of buy a house
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DE NOORDERKEMPEN Disadvantages for the lease-hold-taker: No owner
Compulsary works Not possible to sell for several years Payment never stops Cost: 2% of ½ of ground-price Starting capital Unclarities: Fiscal rules ? Loans ?
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Advantages for the lease-giver:
DE NOORDERKEMPEN Advantages for the lease-giver: Owner Building gets renovated Compulsary rules Maintenance of the houses
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Disadvantages for the lease-giver:
DE NOORDERKEMPEN 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:
DE NOORDERKEMPEN Seperate organisation: List of candidates Notary Controle Follow-up (payment; works, …)
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DE NOORDERKEMPEN OBJECTIVES: Integration of cultures ?
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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DE NOORDERKEMPEN Needs: Housing Comfortable Central Enviroment Payable
“ownership”
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DE NOORDERKEMPEN Possibilities: Rent Buy Trust Land trust
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DE NOORDERKEMPEN Opportunities Needs Problems: Gouvernment
Way of thinking Lacks in the legislaticon Gouvernment
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DE NOORDERKEMPEN Needs for residents: Certainty for housing Payable
Good site Transport-possibilities
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Problem for the future:
DE NOORDERKEMPEN 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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DE NOORDERKEMPEN 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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DE NOORDERKEMPEN 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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DE NOORDERKEMPEN 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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DE NOORDERKEMPEN costs: ground: No basic investment
Ground value: f.e. 60,000 € 2 % /year : 2,000 € = 100 €/mnth
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DE NOORDERKEMPEN House: Basic: 90,000 €
Payable on 30 (of more/less) years = max. 250 €/mnth. (+ interest?) (depends on own investment)
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DE NOORDERKEMPEN Finishing the house: Own choice
Depending on financial and other possibilities Whenever convenient for the trust-taker
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DE NOORDERKEMPEN After “a lifetime”:
90,000 € is payed to the enharitages Land + house back to the trust-giver
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DE NOORDERKEMPEN Issues to be defined: fiscality possibilities to rent
Definition of “a life time”
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DE NOORDERKEMPEN Main problem:
different mentality in Flanders Marketing DNK will try to do as much as possible within the actual possibilities.
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