Workshop slides

July 4, 2011

Affordable Housing Best Practices Workshop

HFA Best Practices Workshop 2

Varying Perspectives: Affordable Housing Challenges and Solutions Across Verticals

CONSTRUCTION

CONSTRUCTION

DeveloperAarya

Infrastructure

DeveloperAarya

Infrastructure

Amol AherAmol Aher

COMMUNITYCOMMUNITY

CSOSaathCSO

Saath

Niraj JaniNiraj Jani

ENERGY / ENVIRONMENT

ENERGY / ENVIRONMENT

Certification TERI

Certification TERI

Suchita GhoshSuchita Ghosh

FINANCEFINANCE

HFIShubham

HFIShubham

Pawan GulaniPawan Gulani


Community

SaathNiraj Jani

“The need for community related issues”

Affordable housing and community

• Community development aspects- livelihood- microfinance

• Maintenance of common services


Best practice indicators

Item Rationale

Number of informal sector customers

To reach maximum target group

No loanee customers To reach maximum target group

Community development space Target groups basic need and social team building –livelihood –health-education

Financial provision for maintenance of common services

To initiate long-term maintenance practice


Finance

ShubhamPawan Gulani

Loan Program• Loan amount starting from Rs 50,000 to Rs

800,000• Tenor from 3 -15 years• Interest rate of 16% - 22% with a processing

fee of 2.5% • Can be availed for New homes or repair /

renovation• Equitable mortgage to be created by deposit

of title deeds• Ownership document to prove title. Leniency

towards link documents • Pricing to be decided basis document

availability and borrowing history• Maximum LTV to be capped at 80%• Maximum debt burden will be 50%

Typical Customer ProfileHome Improvement Loans

• Existing Home owner in the catchment area/ city of our branch

• Income in the range of Rs 7,000 – Rs 20,000 per month

• Used to living in low quality houses and hence will value every incremental quality improvement/extension

• Needs to add/modify/upgrade his existing house• Has some title documents of his property along

with linked documentsTypical Customer Profile

Home Loans • Lives in small rented units in small buildings,

slums, tenements etc. - paying rent which would be in the range of 25-35% of their income - debt servicing capability of these customers

• Limited or no access to proper financing channels/institutions

• Households displaced through redevelopment projects of the government where a subsidy is involved

To enable every earning individual in India to own a

home

Where is Arjun Kumar?


[360* of Best Practices]

Item Rationale

Branch Location • A neighborhood lending model• Service better

Marketing • Use of common everyday language

• Media vehicles which are most efficient in the locality

People • Hire people who want to work with

• The targeted segment• A fast growing startup firm

Process • A process which is strict with its objectives but lenient on the approach

Underwriting • Interview based approach to understanding a family’s income and expense flow

• Ability to service a loan• Branch based decisioning to

enhance efficiency


Energy / Environment

TERISuchita Ghosh

Towards sustainable buildings through……Towards sustainable buildings through……

Center for Research on Sustainable Building ScienceCenter for Research on Sustainable Building Science

Research Research Consultancy Consultancy Green rating Green rating AwarenessAwareness

•Building design

•Components

•Systems

•LCA

•Optimization

•Building design

•Components

•Systems

•LCA

•Optimization

Workshops

Training programs

Website (SHADA)

Workshops

Training programs

Website (SHADA)

Site

Energy

Resources

Renewables

Energy audit

Site

Energy

Resources

Renewables

Energy audit

LCA

Development

Evaluation

Rating

Business development

LCA

Development

Evaluation

Rating

Business development

Enabling PolicyEnabling Policy

GRIHA

Environmental clearance Norms -GoI

APP - HPCB

ECBC

Env Building Regulations – Hyderabad , Bangalore

GRIHA

Environmental clearance Norms -GoI

APP - HPCB

ECBC

Env Building Regulations – Hyderabad , Bangalore

Ecotect

VisualDOE

TRNSYS

EnergyPlus

Lumen designer

Ecotect

VisualDOE

TRNSYS

EnergyPlus

Lumen designer

Tools Tools

Green buildings….. minimal impact on site and surroundings

….. energy efficiency and maximized use of renewable sources of energy

Save energy by 40-50%

….less water demand and recycling and reuse of water

….solid waste segregation, generation of resources from wastes

Save water up to 30-40%

Green buildings

….. minimal negative impact on people….. healthy and productive work environment

Green buildings

Green Building and Affordable Housing

Best practices for an affordable house has to follow all the principals of a green building!

Affordable through DesignBuild in Context

Climate Culture and habits Architecture

Build for Comfort Micro climate . Temperature Ventilation

Affordable through Techniques and Materials

Resource efficiency Optimize resource use Minimize resource consumption

Technology Passive Solar Architecture Rain water harvesting

Materials Local Prefabricated

Our experiences

• Development and Demonstration of Solar Energy Based Energy Efficient Model Rearing House for Silkworm Seed Crop Rearing

• Green Rating for Integrated Habitat Assessment– SVA GRIHA

• Low Cost Green Housing- where Green equals affordable: Low cost approach to meet rural housing needs

GRIHA – Green Building Rating System

• Sets out guidelines for design, construction and operation

• Combination of qualitative and quantitative criteria

• Sets performances benchmarks for key resources like, energy and water

• Facilitates integration of traditional knowledge on architecture with present day technology

• Integrates all relevant Indian codes and standards

• Is in complete alignment with government policies and programs

SVA GRIHA• Rating system for small stand

alone buildings like residences, offices, motels, schools etc.

• Cumulative built up of 2500 sqm or less

• 5 broad categories• Total points to be achieved is 50• Rating on a 1-5 star scale

•N-S orientation•External walls is insulated with 50mm thermacole, •Roof of the house is insulated with 75mm mineral wool. •Natural ventilation through ventilators and solar chimney •North light for minimum natural light required by silkworms•Evaporative cooling through khas khas pads

Silkworm rearing house in Bangalore

Temperatures achieved on 21st April

15.0016.0017.0018.0019.0020.0021.0022.0023.0024.0025.0026.0027.0028.0029.0030.0031.0032.0033.0034.0035.00

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Hours

Tem

per

atu

re (d

eg.C

)

Ambient rearing Chawki

RH achieved on 21st April

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10.00

20.00

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40.00

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70.00

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100.00

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Hours

RH

(%

)

Ambient rearing Chaw ki


Construction

Aarya InfrastructureAmol Aher


What are the differing priorities among verticals?Where are there inconsistencies? What do they have in common?

How can a best practices framework help overcome differences in priorities among verticals?

Morning Plenary DiscussionOvercoming differences in priorities


What is important to you in defining best practices for affordable housing?

Breakout Session1Prioritizing approaches


What have we learned so far? How do we make these solutions workable for a framework?

Afternoon Plenary DiscussionReview


Create a framework for your vertical.

Breakout Session 2From insights to action


Conclusion and Next Steps

www.fec.ashoka.org

Workshop slides

Documents

Transcript of Workshop slides