2007 – ongoing
Roma families and other marginalised groups with their own home, living in substandard conditions
MFI Horizonti in partnership with Habitat Macedonia
Amount: 50.000-300.000 MKD; Repayment period: 18, 24, 36, 48 and 60 months; Interest: 11% annually, declining; RTE from 21.62% to 23.82%
The “Home” housing loan was established in 2007 as a partnership by Habitat Macedonia and MFI Horizonti, creating a revolving fund to offer Roma families and other marginalised groups loans for the reconstruction of their homes. HFH Macedonia is responsible for identifying the housing needs and provides construction technical advice for the partner families. At the same time, MFI Horizonti assesses the creditworthiness of the partner families, administers the loans, and provides suitable financial control over the partner families, in order to achieve a proper repayment rate.
The loans are for renovation, extensions, repairs, reconstruction, etc. More than 40% of the home improvements are for the purpose of improving energy efficiency, such as thermal insulation of the façade or changing old windows.
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