Analyzing Constraints Of Affordable Housing Availability Gap In India (original) (raw)
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Affordable Housing is fast taking centre stage in the national agenda. In India, affordable housing is a term largely used in the urban context. This is more a matter of administrative logistics: at the national level, the rural housing sector falls within the purview of the Ministry of Rural Development, while the “Housing and Human Settlements” in urban areas is the jurisdiction of The Ministry of Housing and Urban Poverty Alleviation. It is the latter ministry that has spearheaded affordable housing as a concept and policy.Developing affordable housing on a large scale is the greatest challenge in urban India today, promising a solution to the proliferation of slums, unorganized real estate development, unplanned growth and transit congestion. It is vital that certain critical issues are addressed urgently to make affordable housing a possibility. Affordable housing is a larger concept than low cost housing, it includes within its ambit low and middle income group housing with a larger basic amenities like schools and hospitals. From the above, it is clear that a one size fits all approach cannot and will not work in the affordable housing sector.
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This is a paper prepared by me for the Indian Institute of Management Bangalore-CRERI Real Estate Research Initiative. The paper is intended as a overview of the affordable housing sector with special emphasis on India. Affordable Housing is fast taking centrestage in the national agenda. In India, affordable housing is a term largely used in the urban context.Affordable housing refers to any housing that meets some form of affordability criterion, which could be income level of the family, size of the dwelling unit or affordability in terms of EMI size or ratio of house price to annual income. The demand drivers for affordable housing are several.Alongside the growth of the urban population, rising incomes have led to the expansion of the middle class. This has led to a spike in demand for housing that is affordable but includes basic amenities. The agencies working in the affordable housing sector can be classified into . the public sector and the private sector. Both are dogged by issues such as scarcity of land,scarcity of marketable land parcels,titling Issues, rising costs and regulatory concerns. The way forward calls for a collaborative multi-pronged multi-stakehoder approach.
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