Financing low-income housing in South Africa: Borrower experiences and perceptions of banks

South Africa is facing a low-income housing crisis, with the current backlog estimated at over three million units. An obstacle in the provision of low-income housing is the difficulty encountered by commercial banks to extend loans in this market despite supporting initiatives by Government. A lack of knowledge on the borrowing behaviour, preferences and experiences of low-income households in accessing housing finance from the commercial banking sector in South Africa hampers an understanding of the reasons for these problems. This paper's contribution is to provide information on the experiences and perceptions of low-income borrowers in the housing market of South Africa, specifically in their dealings with commercial banks. Results from a survey of 653 households across five provinces of the country are provided. In the survey, a structured questionnaire was used to obtain information on the experiences and perceptions of low-income households about their access to credit and housing finance, their experience of banks, the successes in credit approval, their judgements on the suitability of banks’ home-loan products, as well as preferences with regard to prices and interest rates.     

Social housing estates and sustainable community development in South Korea

The purpose of this paper is to examine the characteristics and problems of social housing estates in South Korea, and to explore sustainable community development issues. In order to examine the social housing situation, a survey of the three social housing communities in Seoul was conducted. The survey evidence demonstrates that there is a growing stigma against the poor and social exclusion. This kind of social bias is likely to escalate the construction of social housing estates, which the poor concentrates in. Residents recognized that mixing public and private housing would be an issue and problematic. Public housing was thought to have a negative impact on the neighborhood. It is important to examine why these kinds of social problems arise. Applying the concept of social sustainability to low-income communities in urban Korea requires mobilizing residents and their governments to strengthen all forms of community capital.     

Does public housing reduce housing cost burden among low-income families with children?

ABSTRACT

About half of all renter households and over three-quarters of very low-income households in the United States experience a housing cost burden, with higher rates among families with children. Public housing may be an important tool for reducing families’ housing cost burdens. The current study uses nearly four decades of data from the Panel Study of Income Dynamics and its Assisted Housing Database to explore the relationship between public housing and housing cost burden among children in low-income families. Results from fixed effects models suggest that public housing is associated with a greatly reduced risk of experiencing housing cost burden when housing assistance receipt is measured a year before housing cost burden. These findings highlight the importance of public housing for reducing low-income families’ housing cost burdens.     

Sustainable urban development? Low-cost housing challenges in South Africa

Low-cost housing provision has been a major focus of government in post-apartheid urban South Africa. While successes can be noted, there is growing concern regarding the social and environmental sustainability of housing programs and the impacts upon both the surrounding environment and human health. Utilizing key informant interviews, survey research, Census data and documentary review, this essay identifies the major impediments to a sustainable low-cost housing provision in urban South Africa. The essay also points to hopeful signs in new policy directions, particularly attention to health issues and informal settlement upgrade programs. However, the major obstacles to a sustainable low-cost housing process, including macro-economic conditions, enduring historical legacies of race and class, the scale and rapidity of urban growth and institutional challenges show little indication of abating.     

Adoption of technology by the low-income population segment: The low-cost hot water heater case

The employment of means for efficient use of water and energy are being increasingly incentivized, in relation to the sustainability of buildings. In Brazil, there is much concern regarding the difficulty of getting low-income segments of the population to adopt energy-saving technologies. This study provides guidelines for the inclusion of manufactured, low-cost solar water heaters (LCSWH) in low-income housing in combination with environmental education of this segment of the population. Therefore, a group of dwellings located in a low-income community in Campinas SP, Brazil, was selected for installation of LCSWHs, which were assembled and installed by the study population itself, who also participated in environmental awareness workshops. Particularly apparent in the results obtained, was a tendency to reduce energy consumption by using the LCSWH, attributable in part to behavioral changes from environmental awareness; and that the planning, application or organized systematization of knowledge is feasible in low-income housing, provided it is not promoted solely by dependency culture, since the objective is to provide an instrument for self-discovery, mobilization and participation by the population.     

Balancing regulation and affordability of housing

Housing regulation is a growing concern because affordability of housing has been declining and regulations which increase housing costs have been escalating. Many of the regulations which have been adopted fulfill goals of protection of health, safety, or welfare; preservation of the environment; or improved energy conservation. Little attention, however, has been paid to the effect of these regulations on affordability. This article reviews the role of government regulation on housing, and discusses the parameters of the affordability/regulatory issue.Helpful comments and suggestions were made by Vincent Brannigan, Bob Cleveland, Deborah Godwin, Roger Swagler, Anne Sweaney, and Frank Walter.Dr. Meeks received her Ph.D. from The Ohio State University and is interested in housing economics and policy, and the economic well-being of households.     

Increasing access to quality child care for children from low-income families: Families' experiences

Identifying effective strategies for increasing access to quality care for children from low-income families has important implications for society. This study examined the effectiveness of expanding child care assistance for low-income families (capping expenses at 10% of income and raising eligibility to 200% of the federal poverty line) to purchase quality care. Mixed methods documented families' experiences (N = 181) and capitalized on a natural experiment when families lost assistance. Results pointed to improved access to quality care for children from low-income families by: 1) helping low-income families continue utilizing quality providers when incomes dropped, and 2) enabling others to begin utilizing quality providers. Perceived impacts were greatest for families with higher incomes (within the eligibility range), and for those with children ages five and younger. Additionally, parents were able to pay providers the full rate that they charge for care, which may help quality providers continue serving low-income families.     

Teacher and center stability and school readiness among low-income, ethnically diverse children in subsidized, center-based child care

Given large numbers of children attending center-based child care and considerable teacher and child mobility, it is important to study correlates and outcomes of children experiencing a change in their primary teacher/caregiver and/or a change to a different child care center. The present study investigated teacher and center stability in a group of 3238 urban, ethnically diverse, low-income, four-year-olds receiving subsidies to attend center-based child care. Children were individually assessed for cognitive and language development at the beginning and end of the pre-kindergarten year. Parents and teachers rated children on their socio-emotional skills and behavior at both time points. Children who experienced a change in their primary caregiver from the beginning to the end of the school year (41% of the sample) showed less growth in initiative for learning and attachment/closeness with adults over time, and scored lower on most indices of school readiness compared to those that had a stable caregiver. Children who moved to a different center during the year scored lower on teacher-reported initiative and attachment. African American children who switched centers were particularly at-risk for poorer outcomes, and boys who experienced a change in primary teacher, in particular, showed slower growth in cognitive development.     

Housing and building materials in low-income settlements in Dar es Salaam

Dar es Salaam (Tanzania) is one of the fastest growing cities in sub-Saharan Africa. As in other sub-Saharan cities, government housing programmes have reached only a tiny percentage of urban residents. The vast majority either build for themselves or live as tenants in swahili houses provided by others. This paper examines the process of house building in Dar es Salaam through a survey of 90 house-owners in nine low-income settlements in the city. It is shown that in the past decade the price of manufactured building materials has risen steeply following the implementation of liberalisation policies. Despite this, house owners still strive to build modern houses in concrete blocks, which offer higher standards of comfort and security as well as bringing in higher income from rents. Those who cannot afford to do so, are obliged either to rent one or more rooms in a house constructed by others or to build a modest house using traditional materials. Although these materials are available in the market, some housebuilders still collect their own. There is evidence of increasing distance from the source, the substitution of inferior species and declining quality, all of which indicate that resources are coming under pressure.     

Spatial approaches to measure subnational inequality: Implications for Sustainable Development Goals

The United Nations expressed an interest in reducing subnational (i.e., province and state level) inequality. We propose using a spatial decomposition of the Gini coefficient (SDGC) to track changes in subnational inequality. Typically, agencies do not track summary measures of subnational clustering of development indicators. Tracking changes in the SDGC can help measure and reduce regional inequality. To illustrate the use of the SDGC, we first present data for 93 nations to obtain cross‐sectional variation. Next, to illustrate how the SDGC trends over time, changes in the Human Development Index in Mongolia are compared to Russia and China. The SDGC can show improvement, decline and persistent clustering of subnational level inequality. The SDGC is a useful measure for the United Nations' Sustainable Development Goals.     

Determinants of housing quality: A comparison of white,African-American,and Hispanic single-parent women

This study examines housing quality among three groups of single-parent women: white, African-American, and Hispanic. Three indicators of housing quality—crowding, affordability, and satisfaction—are used to discover the extent to which these groups experience housing problems. This study also explores differences and similarities in the factors that precipitate problems in housing quality for these three groups of single parents. Findings suggest important differences and similarities in the nature of housing quality problems among white, African-American, and Hispanic single-parent women. The specified variables explained about 20% of the variance in crowding, housing affordability, and housing satisfaction. On measures of objective and subjective housing quality, white single mothers are better housed than their African-American or Hispanic counterparts. Hispanic single mothers have the largest housing cost burden and average more persons per household than the other groups. African-Americans are twice as likely as either group to live in low-quality housing and reported the lowest average satisfaction with their housing. Her research interests include housing and neighborhood assessment and women and public policy issues. She has recently published articles inUrban Affairs Quarterly andHousing and Society on housing and neighborhood assessment criteria among black urban households and the housing cost burden of various groups of female-headed households. She received her Ph.D. from Ohio State University. Her research interests include the housing adjustment behavior of women and public policy. She has recently completed her thesis on the role of noncustodial parents in determining the quality of life of their children. She is also the recipient of the Tessie Agan Award for research excellence from the American Association of Housing Educators for a paper titled “Unterstanding Constraints and Residential Satisfaction among Low-Income Single-Parent Families.”     

Comparing housing affordability and quality among disability households: The United States and its regions

Two national data sets (the Panel Study of Income Dynamics and the Survey of Income and Program Participation) are analyzed to compare housing afford-ability and quality between U.S. disability households and other households and by region. The researchers conclude that disability households in the United States are at risk of inability to afford housing. In addition to higher housing-income ratios, these households are more likely to be older, in poverty, in poor or fair health, and on public assistance than other U.S. households. They are also more likely to carry severe housing cost burdens, to be in housing poverty, and to be receiving housing assistance. Regional differences among disability households and their housing seem to echo geographic economic and population trends, as well as regional variances in the housing stock. The data, which did not address housing accessibility, are less clear about disability households' risks relative to housing quality. Her research interests include housing for special needs populations, community housing needs assessment, and housing policy. She received her Ph.D. from Virginia Polytechnic Institute and State University. His research interests include professional practice and the housing needs of special needs populations, particularly the homeless. He received his Master's degree from California State University at Chico. He is a Housing Extension Specialist with the Cooperative Extension Service. His research interests include environmental issues, housing at-risk populations, and international housing. He received his Ph.D. from Cornell University.     

南京市低收入家庭廉租房与公积金政策研究

以租为主的廉租房政策规避了经济适用房的“寻租”问题．自出台以来得到社会各界的支持。从2008年起．南京市计划三年内筹集廉租房3000套．廉租住房租赁补贴发放5．7万户、3．9万平方米。2008年3月．南京市房产和统计部门通过住房调查．确定江南八区被列入住房保障的家庭预估数为6．5万户．占南京市总人口的6．8％,这一数据还不包括众多无南京户口的常住低收入者．供给与需求之间的差距不容忽视。廉租房和住房公积金政策作为住房保障政策中的两大支柱．其实施状况及绩效水平是城市住房保障的重要体现。     

Local perspectives on rural housing affordability and implications for the localism agenda in England

Drawing on consultation meetings with eight community groups across rural England, this paper examines local perspectives on housing affordability, and the consequences of low levels of ‘within area’ housing access for rural economies and communities, contrasting the reflective understanding of residents with normative and established perspectives on the same issues. Because it now seems likely that rural planning policy in England will, in some measure, be reconstructed from the bottom-up, prioritising local control, an analysis of residents' perspectives gives some insight into the shape of future policy intervention. The research reveals a highly nuanced understanding of affordability and the development needs of villages. Sometimes local views – particularly those of commuting or retired households – are dismissed as being motivated by NIMBYism. But this is a partial truth, with rural residents displaying reflective dissatisfaction with official perspectives on rural housing problems.     

Changes in the association between social housing tenure and child outcomes across cohorts: comparing the millennium and British cohort studies

ABSTRACT

In recent decades, social housing in the UK has increasingly become the preserve of the poorest in society. This paper is the first to investigate how the child outcome penalties associated with social housing tenure have changed over time across UK cohorts. I compare the differences in the cognitive, mental health, and physical health outcomes of children in social housing with children in non-social housing and evaluate whether these tenure differences have changed between the 1970 British Cohort Study (BCS) and the 2000 Millennium Cohort Study (MCS). I find that in both cohorts, children in social housing exhibit worse outcomes across all three dimensions (cognitive, mental health, and physical health) than children in non-social housing. For cognitive and physical health outcomes, however, the tenure difference has narrowed between the two cohorts, while for mental health outcomes, the tenure difference has widened. These results suggest that children have experienced a relative worsening in their mental health outcomes across cohorts, but also a relative improvement in both their cognitive and physical health outcomes. The findings suggest that policies aimed at reducing tenure inequalities in child outcomes should focus on mental health development in the early years.     

不断完善住房制度,努力构建有中国特色的住房保障体系

我国住房保障体系主要解决老百姓＂住有所居＂的问题,关键要在不同时间段使老百姓的住房条件适应社会发展的要求。要达到这个目标,需要不断完善住房制度改革。总体上,低收入者要有社会保障,中、高收入者要走商品化道路,中等偏下这一块要有政府支持,如发展公共租赁房,在房价上涨较快的地区增加限价商品房供应,通过三个不同的层次来达到老百姓＂住有所居＂的目标,构建有中国特色的住房保障体系。     

Planning for community: understanding diversity in resident experiences and expectations of social connections in a new urban fringe housing estate,Australia

Master-planned estates are a major source of new housing for growing cities. Much research finds these residential developments lack genuine social connections between residents despite marketing of ‘close-knit’ community. Selandra Rise is a new residential development on the urban fringe of Melbourne, Australia. The estate was planned with a focus on community infrastructure and resident well-being. The resident population was younger and more culturally diverse than most other master-planned community case studies. A longitudinal research design was used to explore resident understanding, experiences and needs relating to place-based community. Interviews were conducted with residents before moving to the estate and 9–18 months after moving. Some residents considered community as an amenity provided by the master-planned environment that did not require their social participation. Others aspired to make social connections with neighbours but had varying levels of success. Past experiences which contributed to aspirations for connecting with local community, and the ways that these aims were realised or hindered, are discussed. Understanding diverse resident expectations of community and insights from their lived experience are used to make recommendations for planning new neighbourhoods and designing community development programmes.     

Step by step: tenant accounts of securing and maintaining quality housing with a housing choice voucher

Previous research on renters’ experiences in the Housing Choice Voucher (HCV) program is robust, but much of it has been conducted in the context of mobility interventions providing added resources. In contrast, this study focuses on HCV renters’ experiences searching for housing without the support of a mobility intervention. In semistructured interviews, 34 HCV renters describe their housing search processes and outcomes. We find that renters struggle to secure housing in their preferred neighborhoods due to limited information and financial costs such as application fees and security deposits. Discussion focuses on practice and policy reforms that might support greater housing choice.     

Is it possible to give the territorial dimension more relevance for choices of competitiveness and sustainability policies?

In the past 10–15 years, several discussions and/or paradigmatic hypotheses have stemmed from the more relevant economic and territorial international scientific theories of the 90s, EU political reports, declarations and directives with regard to both competitiveness and sustainability. Recently, their critical revision has permitted a definition of the question of the discussion about the Lisbon and Gothenburg Strategy in Europe: how to be competitive in sustainability and review the concepts of sustainability and competitiveness in the European territorial dimension by new criteria and indicators of measure. This paper wishes also to evidence, as in order to apply the updated Lisbon and Gothenburg Strategy goals it should be, to introduce a real territorial dimension into assessment processes, developing them by the new Structural Funds 2007–2013. An ex ante analysis of the impacts of these strategies 2000–2006 and a new methodological approach was useful for both these scopes. These ambitious goals were developed into the ESPON Programme, developing four key “determinants” or composite indicators as very significant expression of the two strategies.     

Lawrence Oxley and Locality Development:

In 1925, Lt. Lawrence Oxley became director of the Division of Work Among Negroes, a new unit of the North Carolina State Board of Charities and Public Welfare. The Division of Work Among Negroes was the first of its kind in the nation and it would become a model for other states to follow. Using locality development methods, Lt. Oxley stimulated significant public welfare initiatives among Blacks in thirty-eight counties before and during the early years of the Great Depression when North Carolina was a racially segregated state. Lawrence Oxley used the politics of Black self-help as a tool for fundamental social change in local public welfare activities. This article describes how his emphasis on Black selfhelp and indigenous leadership resulted in the placement and financing of the first Black social workers in public welfare offices in the state.