Proposed Strategies For Housing Affordability; The Study Of Erbil City, Iraq
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Date
2014-06
Authors
Aziz Dzaiy, Mand Ibrahim
Journal Title
Journal ISSN
Volume Title
Publisher
Universiti Sains Malaysia
Abstract
Finding adequate and affordable housing is a global issue that is needed to be handled properly to suit the changing requirements and aspirations of the nation. This study focuses on finding optimum way to make housing affordable to all households in Iraq selecting Erbil city in Iraq as a case study. The required procedures to avoid widely spread plot re-subdivisions are attended through focusing on main issues of household's housing requirements. Identifying the existing low capacity to purchase or build a house, followed by investigating optimum solutions to support the family in terms of loans and subsidies required to make houses affordable to them. These goals and objectives had been approached by the investigation of land allocation processes; capacity of housing production is analyzed with the role of financial, legal and regulatory boundaries that affect the production of housing. The research process had passed through sequential steps, starting from implementing a general housing survey to determine the scope of affordability problem, followed by designing templates to investigate existing housing affordability for both site and services, and the investment projects. Negative indicators had established the need to advance for finding out affordability for optimum houses as the existing housing stock showed real deficiencies. The study was conducted by having a field work, which involved detailed site survey, questionnaire, household interviews, general observation and several visits to assess their housing conditions with proposals for optimum housing requirements. Analysis of data had been processed using SPSS package using precise techniques suiting the objectives of the survey. The results of optimized housing had been facilitated to find out the affordability using specific templates. The main objective had been obtained through the different strategies proposed to support households approaching affordable housing. Loans and subsidies were determined for different households housing requirements. Estimation of total budget, loans and subsidies is obtained. Conclusions about achieving optimized affordable housing is been presented with recommendations concerning further studies, institutional upgrading and changing the vision of the government dealing with housing issues in Iraq. The study contribution is been emphasized in different fields of concern with the suggested strategies and processing technique proposed for achieving affordability for all households.
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Keywords
housing affordability , financial