1. Jan Van Hoeymissen An Denis Social Housing DE NOORDERKEMPEN

2. 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 DE NOORDERKEMPEN

3. Build Buy & renovate Sell Rent Long lease (trust) DE NOORDERKEMPEN

4. Long lease:  1 experience houses  2 experiences with monestaries  Many plans DE NOORDERKEMPEN

5. Merksplas: “kolonie” 64 houses 56 in LTR Enviroment Central “ruins” (examples) DE NOORDERKEMPEN

6. 166 H OUSE TRUST 66 HOUSES MERKSPLAS

9. Big houses Great enviroment Big gardens; great community DE NOORDERKEMPEN

10. Big houses Great enviroment Big gardens; great community DE NOORDERKEMPEN

11. 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 DE NOORDERKEMPEN

12. 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 DE NOORDERKEMPEN

13. 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 ? DE NOORDERKEMPEN

14. Advantages for the lease-giver:  Owner  Building gets renovated  Compulsary rules  Maintenance of the houses DE NOORDERKEMPEN

15. 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 DE NOORDERKEMPEN

16.  Seperate organisation: – List of candidates – Notary – Controle – Follow-up (payment; works, …) DE NOORDERKEMPEN

17. 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 ? DE NOORDERKEMPEN

18. Needs: – Housing – Comfortable – Central – Enviroment – Payable – “ownership” DE NOORDERKEMPEN

19. Possibilities: – Rent – Buy – Trust – Land trust DE NOORDERKEMPEN

20. Opportunities Needs Problems: – Way of thinking – Lacks in the legislaticon Gouvernment DE NOORDERKEMPEN

21. Needs for residents: – Certainty for housing – Payable – Good site – Transport-possibilities DE NOORDERKEMPEN

22. Problem for the future: – land – Evolution of needs; possibilities; … – Enviroments – Traffic: consideration of organisation of habituation – Keep controle over the land – Culture: protection DE NOORDERKEMPEN

23. 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” DE NOORDERKEMPEN

24. 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 ?) DE NOORDERKEMPEN

25. End of the “lifetime”: – Ground remains propriety of DNK – The house is bought back – Price: original value of the basic house DE NOORDERKEMPEN

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

27. House: – Basic: 90,000 € – Payable on 30 (of more/less) years – = max. 250 €/mnth. (+ interest?) (depends on own investment) DE NOORDERKEMPEN

28. Finishing the house: – Own choice – Depending on financial and other possibilities – Whenever convenient for the trust-taker DE NOORDERKEMPEN

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

30. Issues to be defined:  fiscality  possibilities to rent  Definition of “a life time” DE NOORDERKEMPEN

31. Main problem:  different mentality in Flanders  Marketing DNK will try to do as much as possible within the actual possibilities. DE NOORDERKEMPEN