Maitane Zazu Hernando architect

Transcription

1 Maitane Zazu Hernando architect

2 Navarra Government transversal action Housing and urban planning public company of the Navarra Government with more than 100 professional staff. 5 working areas HOUSING RENOVATION INDUSTRY INNOVATION SUSTAINABILITY

3 Navarra Government transversal action HOUSING Social Housing promotion, Navarra Social Housing Plan and management of 1,500 social renting dwellings. INDUSTRY Land promotion, urbanization and supply services in economic activity areas. LURSAREA Promotion of sustainable territorial development and revitalization of local agents. RENOVATION Dwellings refurbishment, thermal envelopes and district urban regeneration. INNOVATION European projects development in housing, urban planning, energy and sustainability areas. we have a global view of the situation of our region.

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5 We are in a new cycle, we need new strategies. 1 CLIMATE CHANGE New legal framework Climate change mitigation and adaptation European Directive 2010/31/UE European Directive 012/27/UE European Directive 2018/844/UE

6 We are in a new cycle, we need new strategies. 2 ECONOMIC SITUATION New way of living Purchase of dwellings is not the main option now Need of dwellings for rent

7 How to deal with this new situation? NEW BUILDINGS Nearly zero-energy buildings EXISTING BUILDINGS processes

8 NZEBs

9 NZEBs Nasuvinsa will build 524 social houses for rental. Under Passivhaus standard. 80 million euros investment (50% funded by EIB European Investment Bank). Meeting the real need of rental housing. Fighting climate change and fuel poverty.

10 NZEBs Heating will be supplied with biomass from the forests of Navarra. This will be a measure for forest management (avoiding fires). It is an important opportunity of employment for rural areas. HEATING Agreement between public companies

11 NZEBs PILOT PROJECT An opportunity to test Types of trees Drying processes Size of wood chips for our future nzeb houses. Av. Reino de Navarra 22 and 24, Sarriguren (Navarra) 2 blocks, 51 social rental dwellings. Currently supplied by 2 natural gas boilers. They will be changed by a biomass chips boiler (300 kw). Annual consumption: kwh, 140 tonnes biomass.

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13 Navarra is a pioneer region in the refurbishment area. We have own powers in Housing (own regulation): Network of local offices Always opened aid call (until 50% of the elegible budget) Since 1985, more than 100,000 dwellings have been refurbished. Regional Law CITIZENS SUPPORT ACTIONS IN HOUSING Citizen information

14 Navarra (through Nasuvinsa) has developed successful renovation projects in different municipalities of the region.

15 Navarra (through Nasuvinsa) has developed successful renovation projects in different municipalities of the region. Lourdes District Energy Regeneration, Tudela. December 2009 October 2011 CONCERTO Program Tudela Tutera Ayuntamien to de Tudela

16 Navarra (through Nasuvinsa) has developed successful renovation projects in different municipalities of the region. Lourdes District Energy Regeneration, Tudela. December 2009 October 2011 CONCERTO Program Pamplona Iruñea Txantrea District Energy Regeneration, Pamplona. March 2014 March 2017 Mobilising Local Energy Investments- Project Development Assistance (MLEI-PDA) Tudela Tutera

17 And other new projects are now in progress 2 Txantrea District Energy Regeneration, Pamplona. Pamplona Iruñea

18 And other new projects are now in progress 2 Txantrea District Energy Regeneration, Pamplona. Pamplona Iruñea Ribera Renove project Tudela Tutera

19 And other new projects are now in progress 2 Txantrea District Energy Regeneration, Pamplona. 7 districts in different municipalities (Pamplona Metropolitan Area) Pamplona Iruñea Ansoain, Barañain, Noain, Pamplona, Villava, Zizur Refurbishment of public and private dwellings Ribera Renove project Tudela Tutera

20 Lessons learned Regarding to management and development intermediary! METHODOLOGY replicable Management Team

21 Lessons learned Regarding to management and development intermediary Regarding to financing! METHODOLOGY replicable Management Team FINANCING MODEL 1 2 Loan until aids arrive For the total amount of the project, it will be amortized when aids arrive (up to 3 years) Remaining loan Remaining amount, 12 years Loans to Owners Association Minimum risk for the bank entity GUARANTEES needed

22 Lessons learned Regarding to financing model FINANCING DIFFICULTIES LACK OF KNOWLEDGE + HIGH RISK product Valuation CONFUSION Bank entities LACK OF INFORMATION The lack of information provokes an under-exploitation situation of renovation projects. Demand is, in many cases, ahead of the supply.

23 Rehabilite Financial Instrument Rehabilite Guarantee Fund has been designed in order to cover the non-granted amount that requests guarantees to obtain loans for Owners Association. Thus, Navarra Government will cover that guarantee in case of failed loans. There will not be risk for bank entities and Owners Association. Collaboration Agreement with bank entities will be signed. They have already show an interest. Housing Service of Navarra Government will manage the FI together with refurbishment aids.

24 Rehabilite Financial Instrument NEW FINANCING MODEL 1 2 Loan until aids arrive For the total amount of the project, it will be amortized when aids arrive (up to 3 years) Remaining loan Remaining amount, 12 years Loans to Owners Association Minimum risk for the bank entity GUARANTEES covered by Rehabilite Financial Instrument

25 Rehabilite Financial Instrument NEW FINANCING MODEL 1 2 Loan until aids arrive For the total amount of the project, it will be amortized when aids arrive (up to 3 years) Remaining loan Remaining amount, 12 years Loans to Owners Association Minimum risk for the bank entity GUARANTEES covered by Rehabilite Financial Instrument

26 Thank you so much for your attention Merci beaucoup de votre attention Maitane Zazu Hernando architect