EXPANDING SCHEMES TO LOWER AND INFORMAL SECTOR 8 th Global Housing Finance Conference Washington DC, 31 th May 2018
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1 EXPANDING SCHEMES TO LOWER AND INFORMAL SECTOR 8 th Global Housing Finance Conference Washington DC, 31 th May 2018 PRESENTED BY: Dr. Lana Winayanti Director General for Housing Finance Ministry of Public Works and Housing Republic of Indonesia
2 Government Interventions For Affordable Housing (1) HOUSING ISSUES LAND AND PLANNING HOUSING INDUSTRY Standardized building materials Skilled labors Accredited Developers INTERVENTIONS SUBSTANDARD 7.6 million units HOUSES in 2017 based on 3.4 million units of substandard occupancy 11.4 million units houses in 2017 in 2017 based on SLUMS ownership 38,431 Ha (urban) 3,099 Ha (special area) BACKLOG PERMITS LONG-TERM FUNDING Housing not part of integrated urban and regional planning Urbanization, sprawling Limited government budget Capacity of local government (planning, supervision, regulatory framework) Lack of data (supply and demand) Land: availability, certification Limited affordable housing in urban areas EASE OF ACCESSING PERMIT TAX EXEMPTION AND REDUCTION (PPN, PPH, BPHTB) BASIC INFRASTRUCTURE PROVISION MORTGAGE SCHEMES LOW INCOME HH MORTGAGE SCHEMES SUBSIDIZED MORTGAGE liquidity facility to lower interest rates (12% market 5% fixed, tenor 20 years) and subsidy to lower interest rates DOWN PAYMENT ASSISTANCE Rp 4 million per HH SAVINGS BASED HOUSING ASSISTANCE SCHEME / BP2BT 22 SUBSIDIZED HOUSING PRICE CEILING
3 Government Interventions For Affordable Housing (2) SUBSIDIZED MORTGAGE households, Rp 30 Billion - 38 participating banks (national and local) - Issues: - Limited access of informal sector HH (2.5%) due to single income salary, tenor, unstable income and inability to save - Quality of houses - Unfeasible location of residential areas Need different scheme to reach informal sector BP2BT PROGRAM DESIGN TARGETING INFORMAL SECTOR STANDARD HOME PURCHASE SAVINGS BY HOUSEHOLD minimum of 5% of house price 5% SAVINGS DOWN-PAYMENT ASSISTANCE 10% to 40% of property price 25% ASSISTANCE FLPP/SSB Eligibility Criteria is based on Maximum Individual Basic Income Key Targetting Reforms HOUSING FINANCE LTV 50% - 80% 70% HOUSING FINANCE 1. Shift from single income to Household income 2. Shift from max Decile 8/9 (equivalent) to max Decile 6/7
4 Empowering Community Saving Groups This program was developed by West Java Local Government. GEMPITA (Gerakan Menabung Penghuni Apartemen Transit/Rusunawa) is a community saving program for people living in a transit apartment that enables them to have savings account for down payment. BACKGROUND Partnership between Local Government, Bank, Developer, Apindo, Perumnas Public housing for low-income households, temporary solution. Expectation: households can move out after 3 years Reality: After 3 years, households move out of public housing but back to slums. Need intervention to empower residents to have savings that will enable them to buy a house Dwelling Time 3 6 years Daily/ Weekly/ Monthly Saving Capacity Building GEMPITA PROGRAM Community Saving Program*) Example USD 16.8/ month Gempita/Gempur House Gempita/Gempur Business Gempita/Gempur Education Gempita/Gempur Pension Commuter Mobile Treasury/Office in Transit Apartment (Bank BJB, BTN West Java, BPR Parahyangan) To encourage saving, Dwellers Income Generating Program provides support such as Urban Farming, Waste Bank, Koperasi, etc
5 Reaching Informal Sector: Gojek (Online Transport-Driver ) Apps MORTGAGE HOUSING FINANCE INFORMAL SECTOR Sell/Buy House Instalment Receipt MoU support to Mortgage PARTNERSHIP DEVELOPER Driver Partners Community Union DAILY DEDUCTION Subsidized Mortgage Subsidized Mortgage BP2BT
6 Expanding Access For Lower And Informal Households HOUSING CLINIC APPS MOBILE CLINIC Mobile Application to ease access of consumers in obtaining information on housing finance schemes and suppy. Informations provided: Housing finance scheme information Service location Apply procedure Forms required for applying housing finance scheme Housing information Support: Service Car + Mobile Library 66
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