By Geir Barvik, executive director

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1 By Geir Barvik, executive director
Welcome to the Norwegian State Housing Bank Presentation for the UN-Habitat Pilot Cities March 19th 2009 By Geir Barvik, executive director

2 Adequate and Secure Housing for All
Secure housing for vulnerable groups in the housing market Facilitate a well functioning housing market and efficient building processes Promote universally designed housing, housing areas and environs Promote environmentally good housing quality and building design Promote sustainable development of places with favourable housing environments and neighbourhoods Hovedfokus på hjelpe de som har vanskelighet på boligmarkedet. Samt øke kvaliteten på det som bygges og utvikles av boliger og boområder

3 ”The Norwegian Housing Model” – is there such a thing?
As everywhere: shared responsibilities between public and private partners In Norway the state chose: Not to build Not to manage Not to own houses Facilitate that municipalities, private co-operatives, private builders, and –later also the private credit market and NGOs fill their roles in a social, housing policy

4 Results: good housing standards
78 % own their dwelling about 5% social, rental housing 7% live ”over-crowded” , 2004 54 Sq. m. pr. person, 2003 6% people lived in cold and damp housing, 2004 no adults lived without bathrooms in 2004 only ca. 7 % of housing accessible for wheelchairs

5 Who does what - in the Norwegian Housing Policy
The state Policies Legal framework Finance Initiate Follow up Public institutions The municipality Planning- and building authority Landuse regulations Land- and housing supply- Housing for the needy Private sector Build Manage Own Trade

6 The Norwegian State Housing Bank (Husbanken)
An agency under The Ministry of Local Development and Regional Development The state instrument for implementation of national housing policies – and a useful one! Less bank-focus than before A lean, regionalized organization with multifunctions

7 HB – a regionalised organisation; 350 employees; 6 regional offices:
Are important partners for municipalitites and local partners Handles clients, disburses loans and grants Knowledge centres; focus on information, capacity building activities Closeness to clients, partners Regionalisation – gives scope for local adaptations New working methods

8 How to reach the goals? Financial means Knowledge
Co-operation and dialogue - Municipalities - Private building and credit sector - Knowledge ”industry” - Civil society - Other public agencies

9 The Housing Bank (Husbanken) – a useful tool for national housing policy for 63 years
Policies and focus and the overall economy have changed, and so has the Housing Bank The core has remained: Stable political commitment to social goals of housing policy Flexibility and prudence keys to success

10 We built the country…

11 The Housing Bank Measures
Traditionally to enable entry to the market Modestly priced prime loans – no direct subsidies Top up with start-up loans- through the municipalities Grants to establish special housing solutions Help the vulnerable to stay in a good house Consumer support to purchase/pay housing costs Grants to research, capacity building and information

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17 The Housing Bank Increasingly Focus on
Disadvantaged in the housing market Environmental and quality concerns of building sector Inclusion –universal design

18 Universal Design - useful for all, necessary for some
Strong public focus on improved accessibility Starting point: equality for all Ageing population increases need for more accessible housing A long time perspective; inexpensive if planning long term (as for environmental thinking-) We shall all need it sometimes Nåværende og tidligere regjering har fokus på uu. Nesten alle samfunnssektorer er berørt. Og det er en rekke aktiviteter. Utgangspunktet er at alle skal ha mulighet til å delta i samfunnet. Men den ”trusselen” som eldrebølgen er, hjelper godt på for å få holde fokus. Rampe, Høyskolen på Gjøvik

19 Universal Design and Housing - challenges
Existing housing- what to do? Only 7% fully accessible by wheelchairs Number of accessible houses increase slowly Inexpensive if included at planning stage - need to think ahead Education and resources needed but most of all change in attitudes

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21 Environment and Energy – particularly important in cities
Reduce energy use in contruction Increased density Reduce use of harmful substances and emissions Reduce waste Environmental building processes, management and maintenance Save energy costs Huseby Amfi, Stjørdal

22 The Housing Bank and Energy Goals for 2020
Halved energy requirements in all housing built or rehabilitated At least half of all supply of energy shall be from renewable energy sources How: Pilot projects Bridge knowledge and market International co-operation Research Development of standards Det betyr boliger med energibruk på passivhusnivå? Hva betyr det? Passivhusstandard som forskriftsnivå i 2020 er realistisk. ..men... - Den tyske passivhusstandarden er ikke direkte implementerbar til norske og nordiske forhold. - Husbanken og Enova har gått sammen om å finansiere utviklingen av en norsk standard for lavenergiboliger og passivhus. Denne standarden vil også omhandle bruk av fornybar energi. Arbeidet er nettopp satt igang. En nyansert målsetting kan uttrykkes slik: Forskriftsnivået i 2020 skal være på nivå med Passivhusstandard. Dette åpner også for nye løsninger og erfaringer man får underveis til 2020. En slik målsetting forutsetter et sterkt fokus på å forberede både markedsaktører og forbrukere. Systematisk utvikling spredning av ambisjoner, kunnskap og etterspørsel vil være viktige suksesskriterier. Husbanken kan med sin regionale tilstedeværelse og nasjonale og internasjonale erfaring på dette området spille en viktig rolle i denne sammenheng.

23 Thank you for your attention www.housingbank.no