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DE NOORDERKEMPEN. Jan Van Hoeymissen An Denis. Social Housing. 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.
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DE NOORDERKEMPEN Jan Van HoeymissenAn Denis SocialHousing
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
DE NOORDERKEMPEN • Build • Buy & renovate • Sell • Rent • Long lease (trust)
DE NOORDERKEMPEN • Long lease: • 1 experiencehouses • 2 experienceswithmonestaries • Manyplans
DE NOORDERKEMPEN • Merksplas: “kolonie” • 64 houses • 56 in LTR • Enviroment • Central • “ruins” (examples)
MERKSPLAS 166 House trust 66 houses
DE NOORDERKEMPEN • Big houses • Great enviroment • Big gardens; great community
DE NOORDERKEMPEN • Big houses • Great enviroment • Big gardens; great community
DE NOORDERKEMPEN • Get the complete property in trust for 99 years • Entry level premium (condition of the house) • No pricefor the grounds (2% of ½ ) • Annual trust fee : 200 € - 700 € • Habitationduty: 10 – 20 years • Compulsaryworks
DE NOORDERKEMPEN • Advantagesfor the lease-hold-taker: • Low pricefor a building withanenormouspotential • Priviliges of anowner • Residential security • More thanonegeneration • Excellent enviroment • Can spread workandcosts • Adjusttoown taste
DE NOORDERKEMPEN • Disadvantagesfor the lease-hold-taker: • No owner • Compulsaryworks • Notpossibletosellforseveralyears • Payment never stops • Cost: 2% of ½ of ground-price • Startingcapital • Unclarities: • Fiscalrules ? • Loans ?
DE NOORDERKEMPEN • Advantagesfor the lease-giver: • Owner • Building getsrenovated • Compulsaryrules • Maintenance of the houses
DE NOORDERKEMPEN • Disadvantagesfor the lease-giver: • Pre-investment • Low ROI • Lease-takers are likeowners (><regulationforrenting) • No controle of whowill live in the house • Controle on the compulsaryworks • Court-orders
DE NOORDERKEMPEN • Seperateorganisation: • List of candidates • Notary • Controle • Follow-up (payment; works, …)
DE NOORDERKEMPEN 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 • Needs: • Housing • Comfortable • Central • Enviroment • Payable • “ownership”
DE NOORDERKEMPEN • Possibilities: • Rent • Buy • Trust • Land trust
DE NOORDERKEMPEN • Opportunities • Needs • Problems: • Way of thinking • Lacks in the legislaticon • Gouvernment
DE NOORDERKEMPEN • Needsforresidents: • Certaintyforhousing • Payable • Good site • Transport-possibilities
DE NOORDERKEMPEN • Problemfor the future: • land • Evolution of needs; possibilities; … • Enviroments • Traffic: consideration of organisation of habituation • Keep controle over the land • Culture: protection
DE NOORDERKEMPEN • Proposition • Land trust for a small fee • House build in basic structure-windproof • 1 lifetime (definition) • Costs: • Ground: 2 % of landvalueyearly (100 €/mth) • Basic house : f.e. 90,000 € (sellingprice): • Ownrecourses : 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 • Proposition • Heritage-giver: makes a “profit” (overheadcost & investment) • Keeps a saying in the enviroment • Gets a house back after a life-time (in whatcondition?) • 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 andrecoversit in 30 yrs. (+ interest ?)
DE NOORDERKEMPEN • End of the “lifetime”: • Groundremainspropriety of DNK • The house is bought back • Price: originalvalue of the basic house
DE NOORDERKEMPEN • costs: ground: • No basic investment • Groundvalue: f.e. 60,000 € • 2 % /year : 2,000 € = 100 €/mnth
DE NOORDERKEMPEN • House: • Basic: 90,000 € • Payable on 30 (of more/less) years • = max. 250 €/mnth. (+ interest?) (depends on own investment)
DE NOORDERKEMPEN • Finishing the house: • Ownchoice • Depending on financial andotherpossibilities • Wheneverconvenientfor the trust-taker
DE NOORDERKEMPEN • After “a lifetime”: • 90,000 € is payedto the enharitages • Land + house back to the trust-giver
DE NOORDERKEMPEN • Issues tobedefined: • fiscality • possibilitiesto rent • Definition of “a life time”
DE NOORDERKEMPEN • Mainproblem: • different mentality in Flanders • Marketing • DNK willtryto do as much as possiblewithin the actualpossibilities.
