Dutch International Guarantees for Housing

1
Dutch International Guarantees for Housing

• Marie-Odile Zanders
• Project Manager
• Central Eastern Europe

2
DIGH

• supports activities outside the Netherlands
• deals with housing
• makes a contribution to social developments
  (housing/labour/education/environment).
• Gets the wheel turning value-creation

3
DIGH loan structureBased on guarantee fund
principle
Local property/ management organization
Collateral
Loan
Loan
BNG or Local bank
DIGH Assessment risk analysis contracts
Guarantees
Dutch housing associations or municipalities
4
Upscaling.

• Financing
• CEB (institutional)
• Local banks
• (mortgages)
• - Investors
• Developing
• Municipalities
• Developers

Local Management Organization capable Business P
lan viable
DIGH in Cooperation With Bank (BNG) And
Dutch H.A.
Investment plan
Draft plan
Increase of scale
Institution building
Financing 1e phase
Process
5
DIGH loan conditions

• In Euro or local currency
• Long term (till 30 years)
• Low interest rate (around 6) currency risk
  premium if local currency
• 0,3-0,5 premium for DIGH
• Volume per phase 0,5-1,5 mjn. Euro
• Max. 75 of investment

6
MONTENEGRO Podgorica
7
MONTENEGRO Kolasin
8
BULGARIA Sofia
9
BULGARIA Sofia
10
ROMANIA
11
ROMANIA
12
SOUTH AFRICA Capetown
13
SOUTH AFRICA Capetown
14
SOUTH AFRICA East London
15
SURINAM Paramaribo
16
SURINAM Paramaribo
17
DIGH in Hungary?
18
Thermal rehabilitation DVD - DIGH taking risk
of first loss
Local property/management organization
Collateral
20
Local (foreign) bank
80
Loan
LOAN
Loan
Assessment risk analysis contracts
DIGH
BNG or Local bank
Guarantees
Guarantees
Housing associations
Municipalities
19
Thank you

• www.digh.nl