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Habitat Model |
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| Habitat is not a hand-out but a “hand-up” program. |
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Family selection criteria |
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Low income groups, Indigenous tribal families, rural poor and marginalized sections (daily wage earners, low-income factory workers, agricultural workers, small and marginal farmers) |
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Family income below Rs. 6,000 (US$ 133) per month. |
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Possess Land tenure |
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Beneficiary should be able to contribute a portion of the total cost of construction by way of materials, skilled labour and cash |
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Committed to contribute own sweat equity (shramadhana) towards unskilled labour |
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Willing to repay an affordable, no-profit loan sourced from Habitat and its donors the loan in monthly installments |
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| Costs are kept down through the use of volunteer labor, and because of donations of money and materials. |
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| Partnership |
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Partnership Model
Habitat for Humanity India works in partnership with local, grass root Non Government Organizations and micro-finance organizations to reach people in need of decent housing. Habitat for Humanity India both builds and renovates homes through a partnership model. The cost of construction is partially borne by the beneficary and local NGO partner with Habitat for Humanity assisting in filling the gap in funding required.
The contributions by the beneficiary is in terms of building material and sweat equity of 200-250 hours. Habitat raises its share through its regular fundraising activities with corporates, foundations and individuals awith some contribution being raised by the local NGO partner.
Once the house is completed the repayment process starts. Mortgage payments contribute to a Fund for Humanity, which in turn provides the money to build more houses. |
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| Simple, Decent and Affordable. |
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| Habitat for Humanity houses around the world are built according to the same guiding principles: |
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Simple
Habitat houses are modestly-sized. They are large enough for the homeowner family's needs, but small enough to keep construction and maintenance costs to a minimum.
Decent
Habitat for Humanity uses quality, locally-available building materials. Habitat house designs reflect the local climate and culture.
Affordable
The labor of volunteers and partner families, efficient building methods, modest house sizes and no-profit loans make it affordable for low-income families to purchase Habitat houses. |
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House Type
Land: Registered land (owned by beneficiary or allotted by Government)
Plinth: 240-360 sq. ft. (22 sq. m. to 35 sq. m.)
Configuration: "Core" house of hall cum living room, kitchen, toilet, bathroom and verandah
Indicative Building Cost: Rs 100,000 - Rs 150,000 (US$ 2200 - 3300) per house
Sweat Equity: Homeowners usually provide the necessary unskilled labour
Repayments: Rs. 500 - Rs. 800 (US$12-20) per month
Loan Period: 5 years
Extension: Possible on full settlement of mortgage amount
House designs vary with locale, topography and weather condition |
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| Typical Construction Characteristics |
Foundations- Stone and Cement
Walls- Bricks with Cement Plaster
Roofs- Tiles, corrugated sheets, RCC |
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