Annual Report 2009 Everyone Should Have Access to Adequate and Secure Housing
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Annual Report 2009 Everyone should have access to adequate and secure housing Short version Table of contents The Housing Bank in 2009 1 Introduction and summary 1 This is what we remember from 2009 2 Managing Director 3 Goals, strategies and means 4 The organization 6 Regional Offi ce South 7 Regional Offi ce East 7 Regional Offi ce West 8 Regional Offi ce MidNorway 8 Regional Offi ce Bodø 8 Regional Offi ce Hammerfest 9 The Norwegian Government’s National Award for Good Building and Environmental Design in 2009 9 The Housing Bank’s main objectives 10 Increased housing for disadvantaged groups 10 A wellfunctioning housing market 11 Green housing and universal design 12 Effi cient and userfriendly administration 13 Effi cient administration 14 Centre of knowledge and expertise 14 Effi cient loan administration 15 Effi cient ITdevelopment 16 Key fi gures from the Housing Bank’s activities 17 In 2009 The national prize for combating homeless- ness was awarded for the fi fth time. The Housing Bank has produced an anniversary brochure discuss- ing its fi rst fi ve years. Several of the pictures in the annual report are taken from the brochure. The Church City Mission of Drammen was awarded the 2009 National Prize for Fighting Homelessness, based on its FRI programme. FRI offers network- building, work and housing for released prisoners. So far over 50 released prisoners have received help with the diffi cult transition from being in prison to having a permanent home. The cover picture of this annual report shows happy award-winners from the FRI-project. 2 The Housing Bank short version Annual Report 2009 The Housing Bank in 2009 Introduction and summary The government’s primary aim in its order to enjoy a decent standard of living. This annual report shows the importance housing policy is to provide everyone There are still some people in society who of the Housing Bank in the welfare sector, with adequate and secure housing. The are unable to obtain, or hold onto, a home and sets out the particular challenges we Housing Bank is the agency responsible of their own. This is the Housing Bank’s faced in 2009 due to the government’s for achieving this, in collaboration with core task. When we succeed in helping stimulus package creating unusually the municipalities. Housing is a basic vulnerable groups to obtain homes of their high levels of activity. The Housing Bank need, which people need access to in own, substantial welfare gains are created. has managed to adapt to the changes and follow the resolutions made by the government, while creating signifi cant Housing allowance HousingHousing allowance grantallowance HousingHousing grantallowance grant Housing grant (disbursed) (disbursed)(awarded)(disbursed) (awarded)(disbursed)(awarded) activity,(awarded) especially in the social housing Number NumberNumberNumber NumberNumberNumber segment, but also through traditional Number NOK millionsNOK millions of recipients of recipients NOK millionsNOK millions of grants of grants NOK millions of recipients NOK millions of grants NOK millions of recipients loans toNOK fi millionsnance home construction andof grants 4000 4000 200000200000 1200 1200 6000 6000 4000 200000 1200 6000 4000 200000 improvement.1200 6000 3500 175000 3500 3500 175000175000 3500 175000 1000 5000 1000 1000 5000 5000 1000 5000 3000 150000 3000 3000 150000150000 3000 150000 The graphs below show the use of our 800 4000 800 800 4000 4000 800 4000 2500 125000 2500 2500 125000125000 2500 125000 most important tools and summarize 2000 100000 20006002000 1000001000003000 6002000 600 1000003000 3000 some of600 the increased activity in 2009. 3000 1500 75000 1500 1500 7500075000 1500 75000 400 2000 400 400 2000 2000 400 2000 1000 50000 1000 1000 5000050000 1000 50000 200 1000 200 200 1000 1000 200 1000 500 25000 500 500 2500025000 500 25000 0 0 0 0 0 0 00 00 0 00 0 0 0 2007 2008 2009 200720072007 200820082008 2009 20092009 200720072007 2008 2008 20092009 2009 2007 2008 2009 Total amount Total amountToTotaltal amountamount (rental housing) Total amountTotal amount (rental (rental housing) housing) Total amount (rental housing) Number of recipients NumberToNumber talof amountrecipients of recipients (individuals) ToNumbertal amountTo talof recipientsamount (individuals) (individuals) Total amount (individuals) Number of grants NumberNumber of grants of grants Number of grants First home loan First FirstBasichome home loanloan forloan construction and renovation FirstBasic Basichome loan loanforloan construction for construction and renovationand renovation Basic loan for construction and renovation (granted by the municipalities) (granted(granted(approved by the bymunicipalities) houses) the municipalities) (granted(approved(approved by houses) the municipalities) houses) (approved houses) Number NumberNumberNumber NumberNumberNumber Number NOK millions of loans NOK millionsNOK millions of loans of of homes loans NOK millionsNOK millions ofof homesloans of homes NOK millions of homes 5000 8000 5000 140005000 8000140008000 140005000 14000 140008000 14000 14000 14000 12000 12000 1200012000 1200012000 12000 12000 4000 6400 4000 4000 6400 6400 4000 6400 10000 10000 1000010000 1000010000 10000 10000 3000 4800 3000 3000 4800 4800 8000 8000 30008000 8000 80004800 8000 8000 8000 6000 6000 6000 6000 6000 6000 2000 3200 2000 2000 3200 3200 2000 3200 6000 6000 4000 4000 4000 4000 4000 4000 4000 4000 1000 1600 1000 1000 1600 1600 1000 1600 2000 2000 2000 2000 2000 2000 2000 2000 0 0 0 00 0 00 00 0 00 0 0 0 2007 2008 2009 2007 20072007 2008 2008 2009 20092009 20072007 2007 20082008 2008 2009 2009 2007 2008 2009 Total amount Total amountTotal amount construction ToTotaltal amountamountTotal amount construction construction Total amount construction Number of loans NumberNumberTo talof loanamount ofs loan renovations NumberTotal amountTo oftal loanamount renovations renovation Total amount renovation Number of homes NumberNumber of homes of homes Number of homes The Housing Bank short version Annual Report 2009 1 This is what we remember from 2009 The credit crunch, amendments to the budget, an expanded housing allowance programme and grants for a record number of new rental homes. A lot happened in social housing in 2009. Substantial activity in social housing in 2009. The Housing Bank’s instruments meant much for many! January: The need for first home loans in Norway is 6 100, an increase of 600 in ecofriendliness and energy efficiency. The increases as private banks implement three years. “Lower than expected, the projects include PEAB’s Zitty in Drammen. increasingly restrictive lending policies. municipalities are working systematically,” Municipalities request more money than says managing director Geir Barvik. September: The government increases they have in previous years. The govern the maximum amount available for loans ment stimulus package increases the The Housing Bank holds an internatio by another two billion NOK. Demand has Housing Bank’s flexibility. nal UN conference on homelessness in more than doubled for both basic loans Europe. The conference challenges the and first home loans. February: Asplan Viak publishes an eva UN’s body for economic cooperation in luation of the Housing Bank’s grants for re Europe – UNECE – to formulate a strategy October: The municipalities of Bærum, search and development, which concludes on combating homelessness. Lørenskog, Lillehammer and Hamar be that the grants catalyze initiatives within come the first participants in the Regional social housing and housing quality which June: The Norwegian Government’s Office East’s social housing development would not have been prioritized otherwise. National Award for Good Building and programme. Environmental Design is awarded to the March: Several of the regional offices of Stavanger branch of the Norwegian Trek November: The Housing Bank’s Executive the Housing Bank hold conferences on the king Association and the architects Helen Board visits Groruddalen. Meanwhile, the subject of first home loans in collaboration & Hard for the mountain lodge Preike last joint meeting with all of the Housing with The Norwegian Association of Local stolen Fjellstove. Bank’s regional boards is held as a new and Regional Authorities (KS). law for the Housing Bank comes into force July: The housing allowance scheme is on 1 January 2010. Mayors and planners meet in Steinkjer to expanded to include more groups. As a review and gain inspiration for the last year gener al rule, anyone with a low income December: The Church City Mission in of the programme BLEST, which aims to and high living expenses becomes eligible Drammen and FRI, a housing and net work achieve physical results, increase commit to receive funding.“Housing allowances ing offer for released prisoners, receive the ment and create social meeting places. are an important tool for combating Norwegian government’s award for organi homeless ness,” says Geir Barvik. sations working with the homeless. April: The Housing Bank introduces monthly electronic newsletters; the first August: The Housing Bank finances The Executive Board concludes its year one is issued in April. several housing projects that would by writing an opinion piece in Kommunal otherwise not have been completed due to rapport (“The Municipal Report”), where May: NIBR (Norwegian Institute for Urban the restrictive lending policies of private it strongly encourages the government to and Regional Research) presents data sug banks. The result is more homes of the focus more on