International Conference on April 10-13, 2013 New Delhi, India
Housing : An Engine for Inclusive Growth
Assess current housing & Urban Dev. situation
Map of the Republic of Yemen
Administrative divisions
Table (4) Population and area of the country at 2004
map
key
Division
Capital city
1
'Adan
Aden
2
'Amran
3
Area (km2) Pop. (2004)
Gov .
Density
inh /km2
Urban
Pop.
%
825
589,419
714
589,419
100
'Amran
9,013
877,786
93
149,476
17.1
Abyan
Zinjibar
20,380
433,819
21
111,519
25.7
4
Ad Dali'
Ad Dali'
4,448
470,564
106
62,246
13.2
5
Al Bayda'
Al Bayda
10,487
577,369
55
108,053
18.7
Al Hudaydah
Al Hudaydah
15,407
2,157,552
140
761,057
35.3
Al Jawf
Al Jawf
46,170
443,797
10
58,062
13
Al Mahrah
Al Ghaydah
78,073
88,594
1
37,247
42
9
Al Mahwit
Al Mahwit
2,452
494,557
202
36,623
7.3
10
Amanat Al
Asimah
Sana'a
1056
1,747,834
1,655
1,707,586
97.7
11
Dhamar
Dhamar
8,705
1,330,108
153
185,946
14
Hadramaut
Al Mukalla
195,626
1,028,556
5
475,855
46.3
13
Hajjah
Hajjah
9,376
1,479,568
158
139,578
9.4
14
Ibb
Ibb
6,031
2,131,861
353
374,833
17.6
15
Lahij
Lahij
14,003
722,694
52
62,595
8.7
16
Ma'rib
Ma'rib
19,529
238,522
12
31,857
13.4
17
Raymah
Raymah
2,239
394,448
176
3,830
1
18
Sa'dah
Sa'dah
14,364
695,033
48
107,018
15.4
19
Sana'a
San'a'
13,730
919,215
67
25,419
2.8
20
Shabwah
'Ataq
45,519
470,440
10
74,157
15.8
21
Ta'izz
Ta'izz
11,573
2,393,425
209
535,980
22.4
529,006
19,685161
5,638,356
28.6
6
7
8
12
total
‫‪Total needs of Yemeni Republic governorates‬‬
‫‪160‬‬
‫‪140‬‬
‫‪120‬‬
‫‪100‬‬
‫‪80‬‬
‫‪60‬‬
‫‪40‬‬
‫‪20‬‬
‫‪0‬‬
‫أمانة العاصمة‬
‫تعز‬
‫إب‬
‫عدن‬
‫الحديدة‬
‫مأرب‬
‫حجة‬
‫عمران‬
‫الجوف‬
‫ذمار‬
‫حضرموت‬
‫صعدة‬
‫المحويت‬
‫ريمة‬
‫شبوة‬
‫صنعاء‬
‫البيضاء‬
‫لحج‬
‫أبين‬
‫الضالع‬
‫المهرة‬
‫‪1‬‬
‫‪2‬‬
‫‪3‬‬
‫‪4‬‬
‫‪5‬‬
‫‪6‬‬
‫‪7‬‬
‫‪8‬‬
‫‪9‬‬
‫‪10‬‬
‫‪11‬‬
‫‪12‬‬
‫‪13‬‬
‫‪14‬‬
‫‪15‬‬
‫‪16‬‬
‫‪17‬‬
‫‪18‬‬
‫‪19‬‬
‫‪20‬‬
‫‪21‬‬
Increase of Population and Houses Gap
population
year
G. rate Male
19685000
2004
3.1
24027583
2012
2.7
Total
Houses
year
2608000
2004
3467252
2012
12254067
%
Female
%
51
11773515
49
Urban
Rural
need
extra
103740
2430890
112258
65628
Total houses
Owned
Rented
Endowment
Others
3467252
2903328
449845
20377
93480
Urban housing needs projection
1.5 million new units until 2025
Public Employees grades and salary –for year 2009
(military and teachers are not included)
‫‪%20‬نمــوذج (‪ A) 120‬م‪2‬‬
‫المحافظا إجمالي‬
‫م‬
‫ت اإلحتياج‬
‫العدد‬
‫أمانة‬
‫‪184,339 27,930 139,6‬‬
‫‪1‬‬
‫العاصمة‬
‫‪51‬‬
‫‪1,341‬‬
‫‪2‬‬
‫تعز‬
‫‪95,324 14,443 72,21‬‬
‫‪5‬‬
‫‪693,264‬‬
‫‪3‬‬
‫إب‬
‫‪69,461 10,524 52,62‬‬
‫‪2‬‬
‫‪505,171‬‬
‫‪4‬‬
‫‪5‬‬
‫‪6‬‬
‫‪7‬‬
‫‪8‬‬
‫‪9‬‬
‫‪10‬‬
‫عدن ‪31,25‬‬
‫‪8‬‬
‫‪6,252‬‬
‫الحديدة ‪29,32‬‬
‫‪7‬‬
‫‪5,865‬‬
‫مأرب ‪21,90‬‬
‫‪1‬‬
‫‪4,380‬‬
‫حجة ‪20,06‬‬
‫‪2‬‬
‫‪4,012‬‬
‫عمران ‪14,25‬‬
‫‪1‬‬
‫‪2,850‬‬
‫الجوف ‪13,36‬‬
‫‪8‬‬
‫‪2,674‬‬
‫ذمار ‪12,73‬‬
‫‪0‬‬
‫‪2,546‬‬
‫‪10,25‬‬
‫‪0‬‬
‫‪2,050‬‬
‫‪9,735‬‬
‫‪1,947‬‬
‫‪9,160‬‬
‫‪1,832‬‬
‫‪9,144‬‬
‫‪1,829‬‬
‫‪6,836‬‬
‫‪1,367‬‬
‫‪6,453‬‬
‫‪1,291‬‬
‫‪6,310‬‬
‫‪1,262‬‬
‫‪11‬‬
‫حضرمو‬
‫ت‬
‫‪12‬‬
‫صعدة‬
‫‪13‬‬
‫المحويت‬
‫‪14‬‬
‫ريمة‬
‫‪15‬‬
‫شبوة‬
‫‪16‬‬
‫صنعاء‬
‫‪17‬‬
‫البيضاء‬
‫‪18‬‬
‫لحج‬
‫‪%60‬‬
‫قيمة البناء قيمة األرض قيمة الخدمات اإلجمالي‬
‫(بالمليون) (بالمليون) (بالمليون) (بالمليون)‬
‫‪41,261‬‬
‫‪38,712‬‬
‫‪28,909‬‬
‫‪26,482‬‬
‫‪18,811‬‬
‫‪17,646‬‬
‫‪16,804‬‬
‫‪13,530‬‬
‫‪12,850‬‬
‫‪12,091‬‬
‫‪12,070‬‬
‫‪9,024‬‬
‫‪8,518‬‬
‫‪8,392‬‬
‫‪5,374‬‬
‫‪300,077‬‬
‫‪281,539‬‬
‫‪210,250‬‬
‫‪192,595‬‬
‫‪136,810‬‬
‫‪128,333‬‬
‫‪122,208‬‬
‫‪98,400‬‬
‫‪93,456‬‬
‫‪87,936‬‬
‫‪87,782‬‬
‫‪65,626‬‬
‫‪61,949‬‬
‫‪60,576‬‬
‫نمــوذج (‪ B) 85‬م‪2‬‬
‫العدد‬
‫قيمة البناء‬
‫(بالمليون)‬
‫قيمة األرض قيمة الخدمات اإلجمالي‬
‫(بالمليون) (بالمليون) (بالمليون)‬
‫العدد‬
‫الدفعة القسط القسط القسط‬
‫‪ %20‬نمـــوذج (‪ C) 75‬م‪2‬‬
‫مساح‬
‫المقدم الشهر الشهر الشهر‬
‫ة‬
‫ي‬
‫ي‬
‫ي‬
‫ة‬
‫قيمة البناء قيمة األرض قيمة الخدمات اإلجمالي األر‬
‫‪ %0‬لنموذج لنموذ لنموذج‬
‫(بالمليون) (بالمليون) (بالمليون) (بالمليون) ض‬
‫‪ A 15‬ج ‪C B‬‬
‫‪7,374‬‬
‫‪193,054‬‬
‫‪83,791‬‬
‫‪391,721‬‬
‫‪2,849‬‬
‫‪837,906 115,212 27,930 410,239 15,669‬‬
‫‪4,608‬‬
‫‪957,726‬‬
‫‪3,813‬‬
‫‪792,401‬‬
‫‪43,329‬‬
‫‪202,563‬‬
‫‪1,473‬‬
‫‪8,103‬‬
‫‪59,577 14,443 212,139‬‬
‫‪433,290‬‬
‫‪2,383‬‬
‫‪495,250‬‬
‫‪2,778‬‬
‫‪577,410‬‬
‫‪31,573‬‬
‫‪147,605‬‬
‫‪1,073‬‬
‫‪5,904‬‬
‫‪43,413 10,524 154,582‬‬
‫‪315,732‬‬
‫‪1,737‬‬
‫‪360,882‬‬
‫‪1,650‬‬
‫‪342,988‬‬
‫‪18,755‬‬
‫‪87,679‬‬
‫‪637,663‬‬
‫‪3,507‬‬
‫‪6,252 728,849‬‬
‫‪25,788‬‬
‫‪187,548‬‬
‫‪1,032‬‬
‫‪214,368‬‬
‫‪1,548‬‬
‫‪321,799‬‬
‫‪17,596‬‬
‫‪82,262‬‬
‫‪598,271‬‬
‫‪3,290‬‬
‫‪5,865 683,823‬‬
‫‪24,195‬‬
‫‪1,167,94‬‬
‫‪967,791 175,962‬‬
‫‪8‬‬
‫‪1,156‬‬
‫‪240,315‬‬
‫‪13,141‬‬
‫‪61,432‬‬
‫‪446,780‬‬
‫‪2,457‬‬
‫‪4,380 510,669‬‬
‫‪18,068‬‬
‫‪872,207 722,733 131,406‬‬
‫‪1,059‬‬
‫‪220,136‬‬
‫‪12,037‬‬
‫‪56,274‬‬
‫‪409,265‬‬
‫‪2,251‬‬
‫‪4,012 467,790‬‬
‫‪16,551‬‬
‫‪798,969 662,046 120,372‬‬
‫‪908,074 752,453‬‬
‫‪8,551‬‬
‫‪39,974‬‬
‫‪290,720‬‬
‫‪1,599‬‬
‫‪2,850 332,293‬‬
‫‪11,757‬‬
‫‪85,506‬‬
‫‪567,546 470,283‬‬
‫‪851,809 705,830‬‬
‫‪8,021‬‬
‫‪37,497‬‬
‫‪272,707‬‬
‫‪1,500‬‬
‫‪2,674 311,704‬‬
‫‪11,029‬‬
‫‪80,208‬‬
‫‪532,381 441,144‬‬
‫‪811,156 672,144‬‬
‫‪7,638‬‬
‫‪35,708‬‬
‫‪259,692‬‬
‫‪1,428‬‬
‫‪2,546 296,828‬‬
‫‪10,502‬‬
‫‪76,380‬‬
‫‪506,972 420,090‬‬
‫‪653,130 541,200‬‬
‫‪6,150‬‬
‫‪28,751‬‬
‫‪209,100‬‬
‫‪1,150‬‬
‫‪2,050 239,001‬‬
‫‪8,456‬‬
‫‪61,500‬‬
‫‪408,206 338,250‬‬
‫‪620,314 514,008‬‬
‫‪5,841‬‬
‫‪27,307‬‬
‫‪198,594‬‬
‫‪1,092‬‬
‫‪1,947 226,993‬‬
‫‪8,031‬‬
‫‪58,410‬‬
‫‪387,696 321,255‬‬
‫‪583,675 483,648‬‬
‫‪5,496‬‬
‫‪25,694‬‬
‫‪186,864‬‬
‫‪1,028‬‬
‫‪1,832 213,586‬‬
‫‪7,557‬‬
‫‪54,960‬‬
‫‪364,797 302,280‬‬
‫‪582,655 482,803‬‬
‫‪5,486‬‬
‫‪25,649‬‬
‫‪186,538‬‬
‫‪1,026‬‬
‫‪1,829 213,213‬‬
‫‪7,544‬‬
‫‪54,864‬‬
‫‪364,160 301,752‬‬
‫‪435,591 360,941‬‬
‫‪4,102‬‬
‫‪19,175‬‬
‫‪1,367 925,628 766,999 139,454‬‬
‫‪5,640‬‬
‫‪41,016‬‬
‫‪272,244 225,588‬‬
‫‪411,185 340,718‬‬
‫‪3,872‬‬
‫‪18,101‬‬
‫‪1,291 873,769 724,027 131,641‬‬
‫‪5,324‬‬
‫‪38,718‬‬
‫‪256,991 212,949‬‬
‫‪402,136 333,168‬‬
‫‪3,786‬‬
‫‪17,700‬‬
‫‪1,262 854,406 707,982 128,724‬‬
‫‪5,206‬‬
‫‪37,860‬‬
‫‪251,296 208,230‬‬
‫‪259,405 214,949‬‬
‫‪2,443‬‬
‫‪11,419‬‬
‫‪3,359‬‬
‫‪24,426‬‬
‫‪162,128 134,343‬‬
‫‪83,048‬‬
‫‪551,233 456,766‬‬
‫‪814‬‬
Formulate policies and programs, prioritize objectives and set targets
Housing policy goals
1. General Goals
a) Identify the status of Yemeni cities, their problems, causes and assess the housing
situation.
b) Encourage housing investment according to suitable planning .
2. Key Goals
a) Achieve lowest possible costs, to establish housing projects for those with limited income,
solve the problem of housing needs on the republican levels and mitigate the random
housing problem
b) Solve the problem of deteriorating areas belonging to lowest income segments
(This segment represents a vial part in the urban problems in Yemen, as a multi-faceted problem, since
low income citizens represent patterns and various segments, harboring such problems as: economic
weakness and lack of purchasing power which resulted in a large gap between income and offered
housing prices. In this case, the housing policy is considered a vital necessity to meet demand for
suitable housing to lower income segments, as a developmental priority)
Housing Policy
Aims at ensuring suitable housing to all
Housing is:
Below Standard
About to Fall
(old units)
Houses for Housing
Associations
New needs as per
population growth
1. Strategic Plan for Housing
Help housing
associations build
their houses
Housing
Investment
.
Rented Housing
for the destitute
Limited and
medium income
2. Support Institutional Development
Technology and
equipment
Develop database
and statistics
Operative
budget
Qualify staff
3. Finance system
Grants from
merchants &
donor countries
Citizens contributions
via pre-payment +
monthly installments
Local &
foreign loans
Government &
partnership
system
4. Laws and Legislations
Establish housing
fund with set sources
.
Initiate Prime
Ministerial approval
on strategy
Declare list of
housing sector roles
5. Coordinate with Services Entities
Public services
(schools, clinics..etc
Communications
Water &
Sanitary System
Roads
Electricity
Execution Methodology
Results of estimating housing needs in urban areas of the Yemeni Republic, showed that the number of housing units to be
built annually is 36,000, distributed over governorates proportionally to the gaps in each governorate. Since it was hard to
avail the appropriate funding during one year, the follow has to be done:
1.
Start with identifying needed land as per set allocations in each governorate in coordination with the General Entity for
Land, Areas and Urban Planning, and local authorities in the concerned governorate.
2. Survey the lands and prepare them in coordination with concerned service ministries to start serving those areas
3. Start to register limited income beneficiaries who meet selection criteria and conditions to benefit from this project, start
collecting set amounts whether pre-payments or monthly installments.
4. Start to register youth of new families and collect set housing instalments for this segment on the basis of saving
methodologies over 7 years, until enrolled in the project and houses are delivered, after which the remaining amount is
divided over 15 years.
5. Start to build housing complexes with integrated services to absorb citizens of different limited and low income levels. (It is
possible to execute this segment via partnerships between public and private sectors, since serviced land encourages
private sector partnership)
6. The participating private sector in funding and building, will assign a number of housing units for limited income segments
with low cost in return for serviced land and power per agreement and size of work
7. Start to service housing associations lands, offer suitable loans for housing associations members
8. Redo land surveys for random areas and coordinate with the services ministries to execute the infrastructure and support
the re-building of inappropriate houses
9. Support and develop a housing fund as per a decision from the ministerial council to become the financial pool to fund
housing projects and retrieve cost, and defer it for future projects
10. Submit a loan request to local or foreign banks with simple and (Islamic) legitimate interest.
Preparation of suitable land (Aden )
Economic Housing Design for Mid. & Low income people
The existing fund for the first stage of recent housing projects is from the following sources:
1)
2)
3)
4)
5)
Government contribution: 10 billion Riyals
General Guarantees Agency and Wages and Social Security Insurances: 10 billion Riyals
Cooperative Agricultural Loan Bank: 2 billion Riyals
Fisheries and Agricultural Incentives Fund: 2 billion Riyals
Ministry of (Islamic) Awqaf: 1 billion Riyals
Hajja city
Dalea’ city
Aden city
Taiz city
Cost recovery system
Equivalent in $
Monthly
payment
20 years
23,888
25,082
19,338
20,305
14,787
15,526
17,063
17,916
20,020
21,021
Advance
%20
Flat cost
Area
1,365,000
1,433,250
6،825،000
7,166,250
105
A
1,105,000
1,160,250
845,000
887,250
5،525،000
5,801,250
4،225،000
4,436,250
85
65
B
B2
975,000
1,023,750
4،875،000
5,118,750
75
C
1,144,000
1,201,200
5،720،000
6,006,000
88
D
Flat type