2.3 Current Housing Situation in Ghana Ghana housing delivery has seen a fragmented and sustained effort from individuals, private developers and successive governments. This situation has resulted to the massive housing deficit Ghanaians face today. The shortage of housing continues to be one of the most crucial socio-economic challenges facing the country. Data on the housing need in Ghana indicate an overall large deficit in the housing stock. However, the facts on the housing stock and deficit varied, and also hard to verify. The MWRWH based on the 2010 Population and Housing Census report of a total of 2.8 million housing units, projected that Ghana needs 70,000 housing units annually of which only 35% is currently supplied (NDPC 2005, …show more content…
The concept of housing finance varies across countries, particularly in terms of the areas it specialises. There has no concise definition of housing finance sighted and considered concise and definitive enough, that could be relied on as a working definition for this research work (Anatsu, 2011). However, some statements presented in quotes below by some authorities offer snapshot of what housing finance as a topic covers. Housing finance encompasses multifaceted and multi-sector issues that are caused by constantly changing local features, such as a country’s legal environment or culture, economic makeup, regulatory environment, or politicization (Chiquier & Co, …show more content…
As a result of these several housing finance models were designed for people to patronize in order to own a house. In fulfillment of these desires several models for housing finance in various jurisdiction based on variety of fundamental prerequisites and enabling conditions. Some of these include but not limited to Banks, Contract Saving Schemes, Building Societies/Saving & Loan Schemes, Specialist Mortgage Banks, Secondary mortgage markets, Primary Mortgage systems, Housing Provident Funds, Developer Finance, and Micro Finance, among others. Practically, in Ghana is very hard for someone to secure a loan from a microfinance institution to build a house. The reason being that interest on loan from these microfinance institutions is very high. The existing housing finance option is not so fair but expensive to low income earners. The housing finance model is designed in such a way that is on the rich or the high income earners who can afford. Thus, it makes sense that PPP must be introduced in Ghana as a sustainable housing finance
Proposal Narrative for 4 U Housing Coalition Tamela Milan PPA 512 Course Name: Professional Writing and Communication in Public Policy and Administration National Louis University October 27, 2015 The Mission of 4U Housing Coalition (4UC) is to advocate for the planning and development of housing units for large families in the Humboldt Park area. The history of Humboldt Park shows Humboldt Park is one of 77 officially designated community areas, located on the West Side of Chicago, Illinois.[2] The Humboldt Park neighborhood is known for its dynamic social and ethnic demographic change over the years. The Puerto Rican community has identified strongly with the area since the 1970s; however, gentrification and displacement has significantly
In my experience, my homeless clients have engaged in high risk health behaviors and neglected their health. These high risk behaviors include substance abuse, criminal activity, incarceration, and unsafe sex practices. As a result these individuals experience high disease burdens and mortality rates. Boston Health Care for the Homeless estimated that the total annual expenditures from ER visits was $16,011,738 annually (Thakarar, Morgan, Gaeta, Hohl, & Drainoni, 2015). “Multiple factors have been identified as predictors of frequent ER use in homeless persons such as older age, previous hospital admissions and emergency room visits, multiple primary care visits, perceived inadequate mental health care, poor health status, and HIV” (Thakarar, et al., 2015).
In this topic, I will be exploring the combination of sociopolitical factors that contribute to poverty in a community, otherwise known as comparative disadvantage. I chose Atlanta, not only because I lived near the major city, but also because of its known high, poverty rates. In the past decade, poverty has increased and spread throughout Atlanta. Population and job growth have been occurring rapidly, but so has the urbanization of the city. Growing up near Atlanta, I found that the southern metro area had a vast increase in the distribution of poverty.
The Power of Poverty "You live there? The way she said it made me feel like nothing. There. I lived there. I nodded."
Homelessness is one the most ignored problems in the United States with citizen and politician. Homeless people are walked by and ignored. Nobody ever thinks that they will be homeless. Due to the economy, people live paycheck to paycheck making house payments very difficult. Most people will want to believe most homeless people are drug addicts or alcoholics, but most people will be surprise to know that it is no all true.
During the recent years homelessness has increased eminently. Although homelessness is not a new phenomenon it has become a huge social issue in today’s society. In urban areas homelessness is visible by the masses but ignored by society’s negative perception. Characterized as unstable individuals, alcoholics and criminals by society, these negative stereotypes have only escalate the issue. Homeless can occur at any stage of life for multitude of factors.
Generally, there are not enough houses being built to meet the needs of Ireland’s growing population and economy. This is a particular problem when it comes to social and affordable housing as neither the Government nor industry can deliver these types of homes in the current
House for the Homeless: A Place to Hang Your Hat, written by Ivana Nikolic, is an essay about the habits and behaviors of homeless people at a shelter called the Ramsey House. Through her field research Ivana learned about the homeless people’s daily rituals and behaviors. In the following paragraphs, I will illustrate for you examples of these rituals and behaviors. Their evening ritual begins standing outside the Ramsey House while they wait for the doors to open at 6:45 p.m. Next to the shelter there was a bus stop and a health care center.
The National Association of Home Builders estimates that building 100 new affordable housing for households which have low income, contributes to the creation of 80 jobs from the direct and collateral effects of construction and 42 jobs supported by the induced effects of the spending (Wardrip, Williams & Hague, 2011). By building affordable housing, people can be in a sizeable and sustainable condition, more opportunities to increase the character of life in order to avoid the unemployment, and especially reduce
I believe that the best way of solving this would be creating a non profit foundation with a goal of providing homeless and poor people with accommodations. Building houses for many people may be a little out of reach because it would take a lot of resources, I believe a better way is to build a big complex/apartments for people. The article suggests that people does not like living in accommodations like hostels because there are many people and it does not feel like home, which I agree with. However, when you are given free accommodations, I feel like you should not be picky and appreciate it
The dramatic housing price started in the last 1990`s in many countries like London and United Kingdom. 80,000 children are living in temporary accommodation. We can say that London housing is in a state of crisis never because they are struggling to deliver enough homes for the current population. United Kingdom has
However, this project is faced with various challenges. According to Assad (n.d.), affordable housing provides low income families, senior citizens and persons with disabilities with minimal cost housing that meets security and building standards. A burdened individual, who could end up destitute or stay in a dangerous staying, similar to a denounced building, can opt to discover an affordable housing with a sensible rate (Assad n.d.). Home ownership can boost the esteem. After undergoing through difficult times, owning an affordable house is something a person must be proud of (Havekamp 2015).
Low income housing: Low income housing is a struggle for families who want to live a better lifestyle. There’s needs and wants and when you have low income you don’t have time/or enough money to get the want’s you have to worry if you have enough for monthly rent cause if you but something out of order and you don 't have enough for rent you getting evicted. Just like that so sometimes you gotta be mindful of what you want cause people who have low income paying jobs can’t get the things they want. You also want to be on the lookout for your living conditions because you don’t wanna live in a house where it’s infested with roaches or rodents making your house dirty with bacteria and diseases (Castillo). Another thing is that people who tend
The production of housing is has been influenced largely by policies, innovation and the ability to sustain the environment. Housing encompasses all social services and utilities that make life meaningful and the environment habitable. The problems that affect readily housing delivery in Nigeria are enormous and very complex. These problems in most of our urban cities in Nigeria encompasses the availability of housing units both in quality and the number available which in turn has resulted into congested homes and community and the resultant of this is thievery increasing pressure on the infrastructural facilities which will rapidly
In recent decades, urban cities turned to become an attractive place for people from Different cultures to live in. This movement from different cultures to urban areas caused a significant change and development to urban cities and made it an extrovert area for different backgrounds. Cross (1989) defined culture as “ an integrated pattern of Human behavior that includes thoughts, communications, actions, customs, beliefs, values, and institutions of a racial, ethnic, religious, or social group”(p.7). Nowadays, we are living and socializing with different cultures and backgrounds in urban areas, which lead to a significant change in our life. I believe that living in a cultural diversity city make us more extrovert and creative