Assisted Home Ownership
Home ownership changes every aspect of a family’s life.
Owning a home is different from renting. With the home purchase comes the pride of ownership, a sense of belonging and most of all stability. Secure housing improves a family’s well-being and allows the family to stay in a neighbourhood for as long as they want and become an on-going contributor to their community.
For those who otherwise would never have been able to buy their own home
In New Zealand home ownership numbers are decreasing and the costs for owning a home are going up. For many kiwi families an own home remains out of reach. Through the Assisted Home Ownership programme from Habitat, owning a home becomes a reality.
A hand up – not a hand out
Habitat’s Assisted Home Ownership programme is not a give-away programme. Families invest 500 hours of their time to build their own home or those of others. Once their home is completed the family makes affordable regular repayments to Habitat at a no profit basis. Our rent-then-buy model helps families build up a deposit which they can use when seeking independent finance and buy their home from Habitat.
Partner families’ monthly payments go into a revolving fund held by Habitat. This fund is reinvested into the community, as it is used to build more homes for families in housing need.
Ongoing family support
The partnership with Habitat doesn’t stop when the house is finished. Habitat works with the family from the time of selection and during the repayment period to provide assistance in the move towards home ownership. This covers areas such as home maintenance, monitoring repayments and other assistance as needed.
Families invest 500 hours of their time to build their home or that of others alongside Habitat and volunteers. The family makes regular repayments to pay for their home. These payments are reinvested through a revolving fund allowing Habitat to build more homes.
A Brush With Kindness
Many low income home owners can’t pay for their house maintenance, because they can hardly afford their weekly expenses.
Owning a home can be a costly business. What once was affordable may have become unaffordable over time due to reasons such as unemployment, expanding family or rising costs.
Habitat’s home repair programme ‘A Brush With Kindness’ (AWBK), helps low income families back on track with their home maintenance. For affordable repayments to the home owner, Habitat carries out most urgent home repair projects, such as fixing a leaky roof, painting the outside or renovating a bathroom or kitchen.
ABWK-projects may also involve creating a more suitable place for the occupants when life situations have changed; such as building a wheelchair ramp or installing bathroom aids for less mobile people.
After natural disasters and conflicts, Habitat for Humanity is there to help rebuild communities and prepare for the future.
Devastating natural disasters happen around the world every year. War, conflict and civil unrest also create millions of refugees and internally displaced people. Natural distasters destroy or damage many houses in a community at ones, leaving families left homeless.
Habitat for Humanity International (HFHI) recognises the need to provide shelter and housing solutions to help these families recover.
Habitat NZ’s most recent projects are the rebuild in Christchurch and our involvement with Samoan communities to recover from the cyclone and prepare for the future.
Building homes overseas.
A Global Village trip can be a life-changing experience. Teams of volunteers visit countries in need and help build houses in the local communities.
Volunteers will be more than a tourist: you will be welcomed into the community by your hosts and introduced to the local culture as a guest. You will develop an understanding of issues facing the community, learn more about another culture and learn more about yourself.
Global Village teams bring invaluable support to the communities they visit. More homes are built each year because of the donation Global Village teams make to the host community. You do not need prior building experience. If you have a sense of adventure, are in good health and willing to work hard, you can be part of a Global Village team. Participants under the age of 18 must be accompanied by a parent or guardian or be part of an organised school, faith or service group.
Building communities in the Pacific region
Habitat helps families in the Pacific region to improve their housing and to up-skill families and local builders. Our most recent project is a new project in Samoa in 2015: The Habitat Build.
The Habitat Build project will work alongside communities, assisting them in building stronger more weather resistant housing and increasing their knowledge on disaster preparedness. Over three years, this will lead not only to improved housing situations but also increase the educational and employment opportunities for local people.
Firstly, onsite assessments will be conducted for families to determine their housing needs. A range of options will be available, including extensive maintenance of existing homes or new supplementary or core housing, along with access to free Samoan house designs. Financial literacy training and cyclone strapping training will also be offered to families. Samoan building apprentices will be involved with the construction and supervised by Habitat.