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Noorderkempen offers a range of social housing initiatives aimed at providing affordable and comfortable homes for those in need. Our objectives focus on integrating diverse cultures while ensuring good neighbors and a strong community. With options for long leases, purchases, and renovations, we prioritize creating good environments in great locations. Our housing solutions also incorporate communal aspects and promote social control, making it an ideal choice for individuals and families seeking stable and inviting living conditions.
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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.
