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11th Annual Affordable Housing Projects  

A one-stop-platform to discover and learn how to address these challenges and examine critical affordability issues by determining the income range of low to middle income groups. 

30 March - 2nd April 2020 

Singapore 

marcus evans Pan Asian 

An interview with Rosabella Jose, Vice President - Securitization Group, 

National Home Mortgage Finance Corporation, Philippines

Ahead of the Affordable Housing Projects conference, we spoke to Rosabella Jose to have a an in depth industry insight on the challenges faced in providing affordable housing options for all. Marcus Evans 11th Annual Affordable Housing Projects provides a one-stop-platform to discover and learn how to address these challenges and examine critical affordability issues by determining the income range of low to middle income groups. Explore new construction technologies and innovative building materials and techniques to reduce construction costs and improve operational efficiency. Leverage innovative financing mechanisms to bridge the gap of affordable housing development. This highly anticipated event is an excellent platform to network, exchange ideas, seek business opportunities and tap into the experience of key industry leaders.

In your opinion, what does affordable housing look like today, and how is it different from previous years?

In previous years, affordable housing means that loan values are lower because prices then was a little bit cheaper; however loan rates especially during the 90s were higher. This time around, affordable housing are not as affordable because of inflation over the years hence prices of housing units went up. The good news is, loan rates went low as a result of the housing crisis in 2008.

In conclusion, affordable housing is still not so affordable because of the mis-match of prices vs. interest rates. Further, salaries of employees may have gone up but so are the basic commodities.

What are some creative improvements for a sustainable community?

In the Philippines, some housing beneficiaries especially for low-cost and socialized housing loans (affordable housing) go into livelihood programs in their communities, like getting involved in small-scale businesses to augment their income like tending a small grocery store, selling food items, planting vegetable gardens in their yards.

Some housing developers provide solar lights systems for their street lights to cut costs on the electrical maintenance. Some communities put up rain-water catcher (to save on water which they use for their plants or to clean their toilets).

How do you think in today’s affordable housing crisis, the supply and demand gap could be fulfilled?

In order to fill the gap in housing supply, affordable housing should be concentrated near livelihood areas. Low cost condominiums should be built in urban centers where land is scarce.

What are some innovative approaches for expanding housing finance to the lower-income market segments?

• No equity requirements
• Loan to value ratio should be 100%
• Lower loan rates for the very low-income market segments
• Government should provide amortization subsidy aside from lower loan rates.

What in your opinion are some issues of affordable housing and urbanisation that leads to social instability?

• Majority of the very low income segment of society still cannot avail of affordable housing because prices are too high in urban centers, hence, they feel deprived of government’s attention and services.
• Affordable housing are built in rural areas where livelihood components are not available, hence, people might get involved in criminal activities to sustain their lives;
• Affordable housing in rural areas entails higher cost of transportation to and from work for people whose work are in urban centers;
• As a result of distance from home to work, majority of workers do not spend quality time with families, hence, some families have become dysfunctional.

Why you should attend this marcus evans conference?

Gain insights into best practices including :

• Incorporating community-based planning and vertical design approaches to create more sustainable neighbourhood. 
• Promoting financial inclusion and regional financial integration to provide a wider range of housing options accessible to the under-served markets
• Upgrading informal settlements though effective planning and incremental development of low cost housing for higher living standards
• Lowering overall building costs and increasing the speed of construction with innovative construction technologies and building materials
• Establishing a strong legal and regulatory framework to create an enabling environment for prospective investors
• Developing viable and bankable projects to secure adequate funding for sustainable development of affordable housing projects

Showcasing global practitioners and trendsetters : 

• Naeem Razwani, Director Asia Pacific, Habitat for Humanity International, Philippines 

• Paul Graham, CEO, Keystart Home Loans, Australia

• Anne Lochoff, Senior Advisor –Partnerships, UNDP Global Centre for Technology, Innovation and Sustainable Development, Singapore 

• Ihab Nafie, Director, Abu Dhabi Housing Authority 

• Debra L. Erb , Managing Director – Housing Programs, Overseas Private Investment Corporation (OPIC), US

• Stephen Duggan, CEO & Co-Founder , Housing Africa Corporation, South Africa 

• Dr Renu Khosla, Director, Centre for Urban and Regional Excellence, India 

• Mark Francis, Executive Director, Regulatory Services –Housing & Homelessness Department of Housing and Public Works, Australia 

• Andrew Chimphondah, Managing Director, Shelter Afrique, Kenya 

For registration pricing and multiple attendee discounts, please contact:

Aarathi Manokaran 
AarathiM@marcusevanskl.com 

What our delegates think of us :