Rapid Assessment for Resilient Recovery and ... - GFDRR

ANNEX 15:
HOUSING SECTOR - RECONSTRUCTION
PROGRAM SUGGESTIONS
(1) Grants are only for:
1. Making the house livable again. It should be made clear that this is not a
compensation for lost or damaged assets and not related to the value of
those assets, but instead an incentive to be able to recover to normal life.
Therefore luxury houses will get the same amount with modest houses.
2. Improving stability and durability of the initial structure, including change
from timber to reinforced concrete. Components, technical information, and
group training provided (local government recruits facilitators with technical
background).
∗ medium damage THB 20,000
∗ total damage (need to rebuild from foundation up) THB 50,000.
Estimated, not more than 19,000 units all over the 26 provinces.
(2) Loans. The family and community may decide to:
- Improve the design of the house: taller columns, 1 floor to 2 floors, or even
from 2 to 3 floors.
- Find a better location for a group of houses in the same area/village or
relocate. In this case, assistance in planning and neighborhood design will be
provided. Local government services (base-maps, landuse maps, information
on spatial plans and building regulations), technical guidance and facilitation
in fi nding alternative locations. Very soft loans through mechanisms that have
been implemented by the government with CODI.
Allocation of loans:
On top of the repair grants. For instance a family may take a THB 10,000
repair + THB 90,000 loan = THB 100,000 total construction of new house.
Poor families (about 10 percent of the population): max. THB 90,000 loans by
CODI scheme or similar.
Medium – higher income families: commercial loans from NHA.
Grants & Loans Management :
Disbursed in tranches, by local bank directly to beneficiaries, conditional on
facilitator approval. Example: for grants between THB 20,000-30,000, 70-30
percent. The 2 nd tranche can be disbursed after construction is inspected by
facilitator, indicating that the 1 st tranche is at least 80 percent completed and
according to specifications. For over THB 30,000, three tranches.
Facilitation by young engineers with relevant technical background. Seek at
least 30 percent of female facilitators in each region to be able to well
communicate with every community group.
A-74 THAI FLOOD 2011 RAPID ASSESSMENT FOR RESILIENT RECOVERY AND RECONSTRUCTION PLANNING