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CMHC for Housing Industry Professionals and Community Groups November 2006

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2005 Canadian Housing Observer
Home to Canadians for the past 60 years.
 
Housing Industry Professionals and Community Groups > Improving Housing Affordability > Affordable Housing Ideas > Financing and Tenure 

Financing and Tenure

This group of strategies examines ways to finance private and non-profit rental, ownership and other quasi ownership affordable housing options.

Community Land Trusts
Community land trusts hold land on behalf of the community and use it to provide permanently affordable housing.
 
Equity Co-operatives
Equity co-operatives provide a way of developing affordable ownership housing through the pooling of equity.
 
Equity Financing
Equity loans for downpayment assistance help households with limited incomes to gain access to home ownership.
 
Housing Trust Funds
Housing trust funds are organizations that use funding received from a dedicated and on-going government source to support the provision of affordable housing.
 
Land Leases
Land leases can be used to reduce the land costs associated with providing affordable housing.
 
Life Leases
Through life leases, individuals or couples — typically 55 or older — acquire a life-time right to occupy a unit through an upfront payment.
 
Reverse Mortgages
Through reverse mortgages, senior homeowners can access some of the equity built up in their homes while continuing to live there.
 
Revolving Loan Funds
Revolving loan funds are used by governments to preserve or provide affordable housing through repayable loans from a fixed capital allocation.