Affordable Housing in India and Related Policy issues.ppt

Affordable Housing in India

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Amity School of
Architecture & Planning (ASAP)
Course level: M Plan (Sem I)
Course Title: Housing Policy and Community Planning
(XXXXX)
Module 4
004 Affordable Housing in India and Related Policy
issues
Dr. Ritabrata Ghosh
ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP

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ASAP
POLICY ISSUES IN HOUSING
WHAT IS AFFORDABLE HOUSING ?
•Affordability is a relative term linked to one’s
commitments and savings.
•Perception of affordability for a speculator will
who really needs shelter.
•Need for shelter is fundamental to the human
shelter is not.

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ASAP
OUR TARGET GROUP FOR AFFORDABLE HOUSING
•Slum Dwellers
•People Working In UnorganisedSector
•Lower & Middle Income Group, People in
Industries

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ASAP
AFFORDABILITY AMONG TARGET GROUP
A) Slum Dwellers
INCOME Rs.3,000 to 6,000
EMI Rs.500 to 1,000
B) Workers in Unorganised Sector
INCOME Rs.6,000 to 10,000
EMI Rs.1,000 to 1,500
C) LIG & MIG, People in Government, Trade & Industries
INCOME Rs.10,000 to 20,000
EMI Rs.2,000 to 4,000

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ASAP
URBAN HOUSING SCENARIO IN INDIA
•About 28% of India’s Population lives in Urban Areas
Urban Population lives in slums
•About 28% of the total Urban Population lives below
•For the first time, Central Government focused on
JNNURM (Introduced in 65 cities)
•ISHUP and Affordable Housing in partnership
•Initiatives from the States include reservation for
Provision for additional FSI in Projects catering
LIG Section and TDRs to the evacuees of various

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ASAP
ISSUES AFFECTING AVAILABILITY AND AFFORDABILITY
IN HOUSING
•Land –Model Projecting Joint Development with land
besides city redevelopment plans.
•Construction Material availability –Arrest Market
•Ensure assured credit to the EWS and LIG Sections
•Social and Physical Infrastructure Gaps –need for
possessing quality health, education, recreation and
infrastructure connecting the work places with faster,
assured transport.

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ASAP
OBJECTIVES OF COMPREHENSIVE HOUSING POLICY
•Policy should provide mechanism wherein the
Governments work in unison towards achieving the
affordable housing by devising an accepted road
•Devise mechanisms to assess the requirement of
and kinds of housing required –Ownership, Rental
Housing
•Facilitate availability of land through partnership
•Draw Master Plan for new townships with all
Social Infrastructure with plan for funding the
•Propose mechanisms to keep speculators away

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ASAP
BASIC FEATURES OF A HOUSING POLICY
•Recognize housing as a fundamental right of every
•Government to make large chunks of land available
Townships and housing through partnership with the
through redevelopment plan of the cities.
•Government to promote Public and Rental Housing in
through concessions and subsidized rental housing
promotion of Government rental and as well as

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ASAP
BASIC FEATURES OF A HOUSING POLICY (cont.)
•Define affordability as capacity of an individual to pay
between 1/4th to 1/3rd of his monthly income.
•Revise rent control rules and reduce intervention of
entry of organized sector in rental housing
•Commitment towards development of Social and

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ASAP
A Word on Land Acquisition through Partnership
•Government should assess housing demand in each
•Declare convenient pockets of land as residential
•Housing Boards / Planning bodies to hold dialogue
of the notified area regarding their consent to forgo
development of Infrastructure, road, sewage, parks,
some portion for poor housing.
•After fixing land for common and poor housing
area shall be proportionately divided among the land
upon their ownership which they can sell to the
themselves

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ASAP
A Word on Land Acquisition through Partnership
•As the lands reserved for commercial purpose and
roads command premium, it shall be factored in
balance land among the land owners.
•Land owners shall bear the cost of infrastructure
of cash or kind.
•Boards/Planning Bodies/Developers to add their
and profits in the development cost.
•Long term association of land owners to the
ensure sustainable income for them besides income

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ASAP
FACILITATE PPP
•Decide the objective of PPP clearly whether it is
housing stock or earning profit on the Government
•Develop proper PPP regime where standard
adopted and one do not have to go again and again
law for clearance
•Provide various concessions e.g. reduce registration
and LIG Housing, tax concessions, duty concessions
materials for affordable sections. Providing
housing.
•Make various processes including planning approvals
faster.

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ASAP
Thank you…