Showing posts with label Homes. Show all posts
Showing posts with label Homes. Show all posts

Sunday

Home cheap home: Vietnam architect’s quest for low-cost housing


LONG AN, Vietnam - Vo Van Duong's bamboo and coconut leaf house looks much like others deep in Vietnam's Mekong Delta. But unlike them, his seemingly simple abode is designed to withstand typhoons, flooding and earthquakes—and at a cost of less than $4,000 could herald a new wave of cheap, sustainable housing.

The natural materials on its surface belie the hi-tech internal structure of the farmer's new home, which uses steel struts and wall panels as a defense against the elements in this natural disaster-prone region.

"The new house is safer, I'm not afraid that it will collapse," the 48-year-old papaya farmer told AFP inside the house he moved into nine months ago.

Duong is testing a prototype by an award-winning Vietnamese architecture firm looking for low-cost housing solutions for communities vulnerable to climate change.

His S-House 2 was free, but if rolled-out on a wider scale could be sold for less than $4,000.

"There was water coming down from the roof in my old house. Sometimes, when there was a strong wind, I was so afraid the house wouldn't survive," Duong said, adding his new home was the envy of his neighbors.

The eco-home is the brainchild of Vo Trong Nghia, who joins other architects around the world in trying to fill a demand for cheap and easy to assemble housing—from flat-pack refugee shelters to shipping-container homes for tsunami victims.

He says all architects have a duty to help the poor.

"What about those with low income, billions of them, how can they live?" Nghia told AFP. "They have the right to live in comfortable, functional places."

But he wants to go further, creating a home residents can take pride in.

"I don't want people to be looking at it as 'cheap houses' but as resort-quality accommodation close to nature, so [residents] can live a life of the highest quality."

Flat-pack homes

The design is still being refined by his team, who are eventually aiming to create a flat-pack home. The newest version, S-House 3, can be built by five people in three hours.

"Our goal for S-house is for the owner to construct it by themselves," said Kosuke Nishijima, a partner at the firm.

The latest design also allows for multiple houses to be tacked together, a function that could allow, for example, the construction of a storm-proof school easily transportable to remote areas or a larger family home.

Nghia has already been approached by NGOs in disaster-prone Bangladesh and the Philippines, but is not yet ready to supply the house commercially.

From saline-intrusion and flooding in the Mekong Delta to typhoons along the central coast, Vietnam is also home to communities living in high risk areas.

For decades, Vietnamese families have adapted their houses themselves, many building ad hoc mezzanines to avoid flooding.

In more recent years organizations including the Red Cross and Women's Unions, as well as local authorities, have been trying to help people develop more resilient housing.

But in order to ensure such projects are successful, "private architects' support is critical," according to Boram Kim, an urban specialist with UN-Habitat in Vietnam.

"State and local government authorities are well aware that such houses are needed for the poor, but have little technical knowledge for realising their ideas," she told AFP.

"Architects have technical knowledge for reducing the housing construction cost while making it storm proof," she said, cautioning that it was important for designers to listen to the needs of local communities.

Architect for the poor

Nghia's firm found that one of the problems facing rural Vietnamese living in traditional bamboo shacks or stilted river-bank dwellings is the costly upkeep they require to withstand increasingly extreme weather.

Although the S-House 2's outer casing of coconut leaf may need replacing every four years, the structure itself should require no expensive maintenance, said engineer Lien Phuoc Huy Phuong.

"It can last a long time, the structure is sound," he told AFP during a tour of the small building.

Despite its solid exterior, the house is spacious and airy inside, with large windows and doors to bring residents closer to nature.

"We tried to design this house with the best ventilation system, with spaces by the roof and windows for better air flow," Phuong said, pointing out strategic gaps that should reduce the need for electric fans.

Architect Nghia, who used bamboo as a key element in Vietnam's country pavilion for the 2010 World Expo in Shanghai, has long sought to incorporate natural and local materials into his work.

One of his first projects in Vietnam's Ho Chi Minh City was an ecologically-conscious take on a traditional Vietnamese tube home, known as Stacking Green house.

Built in 2011 for around $150,000, the building is made of a series of concrete slabs and gaps filled with plants to provide privacy while still allowing plenty of air and light.

Nghia is in strong demand for high-end projects from hotels to private houses, but said the low-cost S-House is his personal obsession.

"I want to live in S-House. If my family will agree," he said. AFP

source: gmanetwork.com

Thursday

Insurance fears for flood-risk homes


Homeowners in flood-risk areas could find they are unable to get insurance for their properties unless a new agreement is reached in the next few weeks.

Until now, insurers have agreed to continue to offer cover to homes at vulnerable areas in exchange for government investment in flood defences.

However, this agreement, known as the Statement of Principles, is due to expire at the end of June.

And currently, insurers say they have no plans to renew the arrangement, as they feel the government is not spending enough on flood prevention.





Government & insurers standoff over flood cover

 

Gareth Lane, is head of home insurance at Confused.com.

He explains: "As things stand, no agreement has been reached between the Association of British Insurers (ABI) and the government."

The ABI is the body that represents the insurance industry.

"Talks are ongoing but without a new agreement the existing arrangement will end next month."

Impact on home insurance costs

 

To date, there has not been any major change in the pricing or availability of buildings insurance, says Lane.

But he warns that expiration of the agreement could have several effects.

"Insurers might significantly raise your home insurance excess – the amount you contribute towards a claim.

"In some cases, a person's excess for flood damage might exceed £10,000."

Equally, says Lane, insurance providers may raise premiums for those living in areas that are at risk of flooding.

"This would create a situation where home insurance becomes a significant household expense – or even unaffordable."

Insurers may withdraw cover entirely

 

In the worst case scenario, there are concerns that insurers may refuse to insure properties in high-risk flood areas altogether.

"This would be extremely serious, as lenders won't offer mortgages to homeowners who don't have buildings insurance in place," says Lane.

"This could affect the housing market negatively in some areas.

"At the very least, properties that are very expensive to insure could be seen as less desirable, and that could be reflected in their value."

Insurers & government say flood talks 'continuing'

 

If insurers no longer guarantee to provide cover in areas where no improvements in flood defences are planned, this could leave up to 200,000 homeowners across the country unable to get affordable home insurance.

This is according to the ABI.

The impact of this would be that these individuals would be unable to remortgage or sell up and move, as lenders won't offer mortgages to homeowners who don’t have buildings insurance in place.

A spokesman for the ABI says: "We continue in discussions with the government on the model we have developed to safeguard the availability and affordability of flood insurance for those at high risk.

"In addition, we need consensus on sustained targeted flooding investment and sensible planning decisions.”

Government 'working with insurers'

 

A government spokesman for the Department for Environment, Food and Rural Affairs says: "We want flood insurance to be affordable and remain widely available.

"We are working with the insurance industry to ensure this will be the case."

What action can homeowners take?

 

However, the end of June is looming ever-closer and, as things stand, there is still no sign of an agreement being reached any time soon.

This leaves those living in flood-risk areas in a potentially precarious position.

"The problem is, there is not much that homeowners can do to directly influence these negotiations – and certainly not in the small time-frame available," says Lane.

"However, if you live in a flood-risk area and come home insurance renewal time you are not happy with the premium or excess offered, you don't have to accept this.

"It's definitely worth shopping around, as other insurers may well offer you a better deal."

How to get flood cover

 

Most home insurance policies will cover flood and storm damage.

But levels of cover do vary between insurers, so dig out your home insurance policy to find out exactly what you are covered for.

Preparation is key so keep abreast of wet weather warnings.


You can register online with the Environment Agency's Floodline Warnings Direct service, which provides flood warnings by phone, text or email.

A similar flood alert service is run by the Scottish Environment Protection Agency (SEPA).

If you live in England or Wales, the Environment Agency produces flood maps which are viewable online. Scottish residents should contact SEPA.

source: confused.com

Foreclosure offerings in Nevada are hardly a steal, report finds


Buying a distressed home in Nevada was no bargain last year.

The average sales price of a home in some stage of foreclosure — such as having a notice of default or being bank-owned — was $126,521 in 2012, almost 6 percent higher than in 2011, according to a new report from RealtyTrac.

Also, the state’s average foreclosure discount of 19 percent — the price break compared with nondistressed homes — was well below the national average of 31 percent.

About 34,900 distressed homes were sold in Nevada last year, down 36 percent from 2011. Still, they accounted for 37.78 percent of all home sales statewide last year, the third-highest rate in the country.

California was No. 1 at 38.05 percent, followed by Georgia at 37.83 percent. Nationally, distressed homes accounted for 21.4 percent of all sales.

Las Vegas Valley home buyers and brokers say there is fierce competition for all homes, distressed or otherwise. That’s because of the limited inventory and the seemingly endless appetite of cash investors, who buy cheap homes in bulk to use as rentals.

Meanwhile, the number of short sales — in which a lender agrees to sell a home for less than what’s owed on the mortgage — soared by 86 percent last year in Nevada, RealtyTrac reported. They accounted for 33 percent of all home sales statewide, and the average amount owed was $121,977.

But just because short sales are a dominant force in the housing market doesn’t mean they’ve become any faster to process. It still can take six months to a year — if not longer — to complete a deal.

Nationally, short sales rose 4 percent from 2011 and comprised 22 percent of all sales last year. The average amount owed was $81,621.

source: vegasinc.com