Issues and options for housing the urban poor in india
- 1. Issues and Options for Housing the Urban Poor in India *Dr. Sanjeev Chaddha **Jit Kumar Gupta Abstract; Housing has been globally valued for its role and importance as determinant of growth and development of human beings, communities and nations. Being one of three basic human necessities, UN has mandated for accepting the ‘Right to Adequate Housing’ as the basic human right. Considering multiple connotations and criticality of housing as provider of identity, security and determinant of quality of life besides promoting economy, generating employment, leveraging industrialization and rationalizing growth and development of human settlements, providing ‘Housing for All by 2022’, has been accepted by Government of India as prime objective of National Housing Policy and Prime Minister Awas Yojna, placing it high on the development/welfare agenda of the nation. Despite critical role and importance, housing still remains a distant dream for millions of people. UN Habitat Report on Right to Adequate Housing finds, ‘Well over a billion people are not adequately housed. Millions around the world live in life- or health threatening conditions, in overcrowded slums and informal settlements and conditions which do not uphold human rights and their dignity’. India Habitat III National Report, 2016 identifies 65.49 million urbanites living in slums in 2011 besides 1.77 million counted to be homeless - without any kind of shelter, roof and walls. Considering the magnitude, complexity, cost & resource intensive nature and ever-growing mismatch between demand and supply in the lower income categories, creating appropriate housing for urban poor remains the most challenging and formidable national task. Limitations imposed by land, materials, construction technologies, skilled manpower, limited housing options, non-involvement of stakeholders, private sector and inadequate financial resources have emerged as the major road blocks in ensuring adequate supply of housing for poor. In search for realistic solutions and for defining agenda for action , paper tries to explores options involving; creating land bank; optimizing land resource; promoting convergence; using innovative construction technologies; promoting rental housing; ease of doing business; creating skilled manpower; ensuring quality project management; involving private sector/ all stakeholders etc to achieve the national goal of housing the urban poor in India. Key Words; land, slums, standardization, pre-fabrication, green habitat, affordable living
- 2. Introduction Housing remains one of the most valued sector for the individuals, community, society, states and nations because of its complexity and large connotations it has in terms of economy, employment, security and quality of life. As per Habitat III National Report, 2016, ‘ Housing as a sector in the Indian context , accounts for 1.24% of the total economic output, 1% of GDP and 6.86%.of the employment In addition, more than 250 industries are said to be directly or indirectly connected with the construction sector’. Accordingly, growth and development of industry and economy is largely dictated by the growth of construction sector and construction of housing. Housing is said to be both growth escalator and a sector that contributes directly to the quality of life and productivity. Due to its far reaching implications, international human rights law recognizes everyone’s right to an adequate standard of living, including housing. Housing known for its complexity is largely dictated by demand and supply. The demand for housing rises in direct proportion to the increase in population, rate of urbanization, rate of migration, income, climate, culture and market conditions. However, supply is contingent on factors including economic, physical, social and the decisions of individual households, builders, promoters and developers. Matching the demand and supply of housing has been found to be most complex task leading to large gaps emerging in terms of over-supply for some sections of populations and under-supply for others. Undersupply of housing invariably leads to exclusion of large proportion of population from the housing market, resulting in mushrooming of slums and houseless-ness. UN Habitat Report on Right to Adequate Housing states that, ‘Despite the central place of the right to adequate housing within the global legal system, well over a billion people are not adequately housed. Millions around the world live in life or health threatening conditions, in overcrowded slums and informal settlements, or in other conditions which do not uphold their human rights and their dignity’. India Habitat III National Report further observed that, every sixth urbanite was a slum dweller in 2011 besides 1.77 million people were counted to be homeless - without any kind of shelter, roof and walls. Considering the role and importance of housing in promoting the individuals and nation’s growth and development besides large number of problems existing in the sector, Habitat II Conference—the Istanbul Declaration called for, constituting a framework for linking human settlements development to the realization of human rights in general and housing rights in
- 3. particular. The Habitat Agenda also states that, ‘Within the overall context of an enabling approach, Governments should take appropriate action in order to promote, protect and ensure the full and progressive realization of the right to adequate housing’. In order to achieve the objectives enshrined in the international declarations and to provide quality of life to all Indians, Government of India has adopted the agenda, ‘Housing for all, by the year 2022’ . Existing Housing Scenario Estimates made by, ‘Technical Group’ constituted by Ministry of Housing and Poverty Alleviation (MHPUA), placed urban housing shortage at 24.71 million dwelling units at the end of 10th Five Year Plan with 88% shortage recorded in EWS and 11% in LIG categories and merely 0.04 million dwelling units in MIG/HIG housing. For the 11th Five Year Plan (2007-12), total housing requirement for urban sector including backlog was estimated to be 26.53 million dwelling units. Technical Committee also observed shortage of 99.9% in EWS, 10.5% in LIG and merely 0.2% in MIG/HIG categories. However, consistent efforts made by the state and the centre governments, have resulted in increased urban housing stock from 52.06 million to78.48 million (51 per cent increase) in the last decade. Absolute housing shortage in terms of the difference between the number of existing households and existing housing stock in urban areas has significantly reduced from 1.63 million in 2001 (3 per cent) to 0.39 million (0.5 per cent ) in 2011. Despite quantitative improvement, in terms of qualitative terms urban housing shortage has increased considerably due to housing congestion and obsolescence factor, of which 96 per cent pertains to the economically weaker sections (EWS) and the lower income groups (LIG)’(India Habitat III National Report). Availability of funds for the housing sector has enabled an increase in the housing stock in urban areas. However, challenge posed by enormous shortage of housing in lower income categories, can be leveraged as an opportunity by developers and promoters to create housing stock for LIG/EWS categories, based on affordability and support. Considering the opportunity, Government of India, under PMAY has given four options to private sector, parastatal agencies and individuals to leverage housing for the lower income groups.
- 4. Issues facing provision of Housing Being labor, time and capital intensive, with land, money, materials and construction as the major components, housing as a sector faces large numbers of economic, regulatory and urban challenges both on the demand and supply side. Rising cost of land / construction, delayed approvals, cost of money, outdated technologies and lack of resources are the major constraints emerging on the supply side whereas high cost and lack of access to home finance define challenges on the demand side. They collectively define the major roadblocks in supplying adequate number of houses in the affordable category. Looking at the entire context, major issues in development of affordable housing can be defined as: a) Land – Looking at the entire context, India is precariously placed so far as land man ratio is concerned. 2.4% of global land and 16.7% of world population makes India most vulnerable as a nation globally, considering land as the platform on which all human activities are performed. Cumulative impact of rapid population growth, massive urbanization, uncontrolled migration and haphazard industrialization has put enormous pressure on the land. With low land-man ratio, ever rising demand and numerous constraints emerging out of speculation, legal framework, pattern of settlement planning and building bye-laws, supply of developed urban land is diminishing very fast, making land and shelter highly unaffordable in the process. Major factors leading to operational inefficiency in the land market have been identified as: i) Excessive government controls. ii) Poor availability of marketable land parcels iii) Large encroachments on public land iv) Outdated and obsolete land information and management system v) Cumbersome legal framework for sourcing land vi) High degree of land speculation vii) Large fragmentation of land b) Cost of Construction- Ever rising cost of building materials, labor, transportation, government levies, taxes and charges, high cost of borrowed money etc, has led to rapid increase in cost of housing .. c) Government charges- With parastatal and urban development authorities looking at urban development as major revenue earner, large number of taxes, fees, charges, levies etc. are
- 5. imposed in terms of change of land use, layout/ building plan approvals, licensing, internal/ external development, registration of land / finished house, which make the housing expensive. d) Urban Planning- Prevailing planning tools and planning practices, involving Master Plans, Development Plans, Controlled Area Plans and Zoning Regulations lock/freezes the major proportion of urban land, reducing the supply of land for development. Cumbersome procedure for planning permission invariably create artificial shortage of urban land , making it more expensive for housing. e) Building Bye-Laws – Outdated and irrational building bye-laws, providing for low floor area ratio/population density/height etc invariably lead to inefficient land utilization. Non-use of cost- effective/state of art building materials and outdated construction technologies, make housing expensive and unaffordable for urban majority. f) Project approvals- Large number of approvals, cumbersome and lengthy processes, procedures and long chain of manpower and departments deployed, invariably delay projects and building plans approvals (16-24months) which invariably leads to time and cost over- runs of projects. g) Housing finance –Non- availability of documentations for providing security, proof of assured sources of income and residential address etc. with majority of urban poor engaged in informal activates coupled with reluctance on the part of lending agencies, invariably lead to reduced availability of funds for housing the poor. h) Multiplicity of agencies – Large number of agencies involved in granting approval and regulating projects at local, regional and state levels, invariably delay the project adding to the cost and time of housing. i) Rental Housing- Low priority and outdated and irrational urban rent favoring tenants have made rental housing least preferred option with house owners, creating large gap between demand and supply of the housing stock in the urban area. j) Private Sector- Lack of adequate space and general perception of the builders etc, has led to the non-involvement of private sector in the affordable housing sector , adversely impacting its supply in the market k) Construction Technologies-- Conventional, obsolete, outdated time and cost-intensive methods of construction, traditional project planning and management being deployed in the
- 6. construction of housing projects invariably lead to wastage, delay and increasing cost of housing. l) Priority—Housing remains low as priority on the agenda of all major industrial, public, institutional and commercial developments leading to perpetual shortage of low income housing in the industrial/commercial/institutional areas. m) Options- All housing strategies and policies focus on the agenda of creating standard solutions without looking at the needs of the communities and various sections of the society.. Accordingly, the end product of such policies leads to creating ,’one solution fit all’ making housing both expensive and irrelevant to the prevailing majority needs. n) Right to shelter—Unfortunately all beneficiaries believe that right to shelter includes right to ownership, right to land and property. Accordingly, demand for creating housing on ownership basis has emerged as the only option in the category of affordable housing. Creating ownership has led to resale, transfer of housing to speculators and multiplicity of ownership, defeating the very basic purpose of right to shelter. o) Government obligation—Urban poor believe, state is under obligation to provide them appropriate housing. Providing free housing to urban poor invariably forms part of poll manifesto of political parties to fetch votes, leading to absence of any effort to create housing by the individuals, growth of slums and encroachment on public land. p) Migration- Uncontrolled migration of rural poverty to urban areas coupled with absence of housing for urban migrants/ informal sector invariably leads to houseless-ness and growth of slums q) Eviction- Practice of letting slums grow initially coupled with policy of later removing/destroying shelter in the name of violation of law/encroachments/evictions , has invariably lead to loss of large housing stock existing in the affordable sector, making people shelter-less Way Forward Housing as a sector is marked by dualities and contradictions. Despite the fact, decent and affordable housing is fundamental to the health and well-being of people and to the smooth functioning of economies, yet globally cities are struggling to meet that basic need of housing. Looking at the present trends of urbanization , it is estimated by 2025 the number of urban households that would
- 7. live in substandard housing will number 1.6 billion, adversely impacting every third urban dwellers. Considering role and importance of housing in the human context, United Nations Committee on Economic, Social and Cultural Rights has underlined that the right to adequate housing should not be interpreted narrowly. Rather, it should be seen as the right to live somewhere in security, peace and dignity. However, separating right to shelter from right to ownership of shelter, would be critical to provide shelter to all. The right to adequate housing should include; Right to enjoy decent and proper housing. Right, both for personally and family, to a dwelling of adequate size that meets satisfactory standards of hygiene, comfort and privacy. Right not to be arbitrarily deprived of a home by demolition or arbitrary evictions. Right to have access to adequate housing. UN Habitat Report further recommends that countries must graduate from affordable housing to the concept of adequate housing because a house is much more than four walls and a roof. For any housing to be adequate, it must, at a minimum, meet the following criteria: Security of tenure: guaranteeing legal protection against forced evictions, harassment and other threats. Availability of services, materials, facilities and infrastructure: assured access to safe drinking water, adequate sanitation, energy for cooking, heating, lighting, food storage or refuse disposal. Affordability: not threatening or compromising the occupants’ enjoyment of other human rights. Habitability: guaranteeing adequate space, as well as protection against cold, damp, rain, wind, other threats to health and structural hazards. Accessibility: taking care of specific needs of disadvantaged and marginalized groups Location: ensuring easy access to employment opportunities, health-care services, schools, childcare centers and other social facilities, and not located in polluted or dangerous areas.
- 8. Making Housing for all a Reality To make housing for all a reality in urban India, following approach is suggested: Unlocking Urban land supply; Cost of land constitutes,30-50 per cent of any project cost in urban areas. This cost plays a major role in determining pricing and affordability of residential units. Considering land as a major component of housing, securing it at appropriate locations can be the most effective way to reduce costs. All urban centres have large number of land parcels which remain unoccupied or underused. Some of them may belong to government and could be released for development or sold to buy land for affordable housing. Private land can be brought forward for development through incentives such as density bonuses—increasing the permitted floor space on a plot of land and, therefore, its value; in return, the developer must provide land for affordable units. Leveraging available Government-owned land parcels within the specified areas for development for housing for the urban poor and the informal sector, will drastically reduce the pricing of the resultant housing units. Government may also launch schemes for creating ‘Land Bank’ in all the urban areas, where available land can be pooled to be made available to agencies involved in providing housing or to private sector on specified conditions. Supplementing this land with all requisite approvals will make value addition to land and ensure supply of affordable housing on fast track. Convergence; Adoption of the principle of convergence of mission and yojnas launched by government of India for urban sector can help in making housing for all, a distinct reality. Housing for All and Smart Cities mission can be easily synergised. Options of green field development and redevelopment provided in the Smart City Mission can be appropriately leveraged for creating housing stock in the affordable category. Existing slum area can be developed under the retro-fitting/brown field development option. Development through convergence will be most appropriate and cost-effective option to create affordable housing. Converging one of the capsule of housing for shelter-less under the National Urban Livelihood mission with PMAY can help in creating more affordable housing stock in urban areas. Ease of Doing Business (EoDB); Streamlining of Building Plans approval process and approval procedures for housing and construction projects would require simplification
- 9. and streamlining to avoid time-overrun and cost- overrun and to put all such projects on fast track. Involving Environment, Forests and Climate Change, Civil Aviation, Culture, Defence and Consumer Affairs ministries would be critical for setting up of a single window clearance for construction permits. Simplification of building plan approval would call for adopting concept of deemed building permission and layout approval in certain circumstances besides making it time bound. Promoting strong Project and Cost Management- would be both critical and essential to increase speed and reduce cost of construction besides eliminating cost overrun. Technology intervention in construction: Cost of construction and escalation of the cost during the construction period are the two critical factors which adversely impact the affordable housing. Improved construction technology and methodologies can help execute housing projects more efficiently and in lesser time. To address this issue and make housing for the informal sector more feasible, it is important to reduce construction costs and construction timelines. Residential housing is still built in the same way it was built 50 years ago.Bringing state of art construction technologies and using cost- effective locally produced building materials for creating large/green housing stock, have been observed to be most effective options to reduce cost of housing. Project costs could be reduced by about 30 percent and completion schedules shortened by about 40 percent if developers make use of value engineering (standardizing design) and industrial approaches, such as assembling buildings from prefabricated components manufactured off-site. However, a majority of developers use conventional construction methods, which are time-consuming. Projects often face time and cost over-runs, and increase in the construction period increases the cost of financing. Technology intervention in construction such as prefab technology will definitely address the gap between time, efficiency and funding for mass housing. Efficient procurement methods, process improvements, long term tie up for supply of conventional building materials with the manufacturers for the duration of the project have been seen to highly effective in making housing cost-effective.
- 10. Promoting institutional approach involving enablers, providers and executors to make them work on a single platform will promote synergies for achieving the defined objective of creating affordable shelter for all Increased involvement of private players: There is a huge opportunity for private players, since the ‘Housing for All’ mission encourages participation of private entities under monitored terms and conditions, thereby increasing the productivity and quality of the projects. This will provide an integrated platform for private players such as housing developers and infrastructure service providers. McKinsey Global Institute (MGI) report, A blueprint for addressing the global affordablehousingchallenge, states that affordability gap (difference between the cost of an acceptable standard housing unit and what households can afford to pay ,using no more than 30 percent of income), based on database of 2,400 metropolitan areas and case studies from around the world, stands at $650 billion a year. To replace today’s inadequate housing and build additional units needed by 2025 would require $9 trillion to $11 trillion in construction alone. With land, the total cost could be $16 trillion, which offer enormous opportunity for the private sector to partner the affordable housing on a large scale. Promoting rental housing; Rental housing as a segment represents one of the best option to ensure sustained supply of housing in the urban sector without any financial implications for the government. However, this sector needs to be encouraged through an appropriate and supportive legal framework. MoHUPA has drafted a National Urban Rental Housing Policy, 2016, to encourage promotion of rental housing for various segments of incomes and create adequate rental housing stock by promoting Social Rental Housing (SRH). The special focus is on affordability of vulnerable groups and urban poor through promoting shelter facilities for the most vulnerable groups and need based rental housing for specific target groups. Model Tenancy Act is also in the process of being finalized for adoption by states, which will promote rental housing market in India, keeping in view the concerns of both the tenants and land owners Creating multiple housing options- Creating housing options in terms of night shelters, dormitories, bachelor accommodation, institutional housing etc, other than formal housing, will be critical to create large housing stock in the most cost-effective manner in the urban areas. In addition to creating different options, it will also be critical to look at
- 11. the various typologies of housing prevalent in urban India. Plotted development has largely hampered the efficient utilisation of land besides reducing the supply of housing stock, whereas flatted development has been found to be highly cost-effective and efficient in terms of land utilisation and making large addition to housing sock on time bound basis. Accordingly, it needs to be mandated that majority of housing options offered by the parastatal agencies should focus on flatted development rather than on plotted development. In the flatted development category the co-operative sector should be given priority, in order to leverage the individual resources in creating affordable housing stock. Creating Housing for Migrants ;Housing migrants, which constitute major chunk of urban population (43% of population of Delhi and Mumbai), by making adequate housing provision on priority basis by involving large enterprises; creating informal settlements in villages/ periphery; partnering with corporate/ private providers and making provision like working women‘s hostels, night shelters, bachelor accommodation, dormitories etc. MoHUPA has set up a working group to study the impact of migration on housing, infrastructure and livelihood in urban areas so that appropriate product mix of housing supply market catering to migrant population of various income segments can be devised along with infrastructure and livelihood support programmes. Creating affordable housing zones in city plans and development plans would be critical for creating space in the city framework to promote housing for the affordable segment on a time bound basis. Creating Progressive right to adequate housing —Considering the magnitude of problem / limitations imposed by resources, Government should adopt the strategy for achieving progressively the right to housing rather than providing housing for all in one go, to be achieved by allocating maximum available resources, providing basic services and ensuring that public housing is provided to those who are highly stressed, with their active participation in design/ implementation. Skill Development for Construction Workers; Despite massive expenditure on construction, the sector remains inefficient and most wasteful for the reason that it is served by a work force, which is largely unskilled with no knowledge of construction, materials, construction technologies etc. It is estimated that out of 45 million people
- 12. employed in construction sector, less than 6 per cent have the benefit of structured training and skill building. In view of this, it will be desirable that action on priority needs to be taken to launch a focused program to intensify skill development training to make them adequately and appropriately skilled, in the art and science of construction so that construction workers are made more productive and efficient, to ensure cost- effective and time efficient construction of housing in India. Renewed Slum Redevelopment Strategy; In order to overcome the global challenge of affordable housing, Richard Florida in his article, ’How Cities Are Making the Global Housing Crisis Worse’, suggests that, ‘Approach should be to empower disadvantaged groups to upgrade their own communities. Poor themselves creating their own economic opportunity in the world’s arrival cities and economic development comes from enabling local communities to solve their own problems and create their own opportunity. Slums cannot be successfully upgraded without the community’s participation and community participation is amplified when governments make policy that builds on their existing capacity, and improves their access to city infrastructure. Three key strategies suggested by Richard,for addressing the global housing crisis and upgrading global slums should revolve around; Keep residents where they are; It’s a big mistake to see slums as a problem, rather than an opportunity. It is an even bigger mistake to locate people away from their current settlements to new government projects. Slums typically crop up around centers of economic opportunity, however rudimentary. Slum dwellers are best judge to understand how to mobilize community resources and generate opportunity. The location of affordable housing is “as important as, or even more important than, the quality of this housing.” When residents are displaced or relocated, they are disconnected from critical social and economic networks and livelihood options they themselves created. Making in situ improvements to these settlements allows slum dwellers to remain connected to their own networks and sites of economic opportunity. Repurpose existing infrastructure in urban centers; The disadvantaged and the poor benefit from locating in or around the urban center, where economic opportunities are more abundant. Urban centers, being engines of mobilizing talent and human
- 13. capabilities that provide opportunities that can benefit both advantaged and marginalized groups. This is why some people migrate to cities in the first place. One way to do this is to convert underutilized urban land for affordable housing and economic development, with realistic standards for development. This includes incremental housing improvements, easy-to-understand planning processes that acknowledge wide range of market segments, and simple zoning rules and building codes. It also encourages cities to explore community ownership and creative solutions to revitalizing under-used land, buildings, and districts. Providing infrastructure like streets and transit can help connect slums to economic opportunity. The city of Medellin in Colombia famously did this by using escalators and gondolas to connect steep hillside slums to centers of jobs and economic activity. Shift from ownership to rental housing; For the very poor and those who lack the documentation, homeownership is simply not an option. Home ownership creates additional burdens for women and members of minority groups in many rapidly urbanizing parts of the world. This is because their rights are inextricably bound to male family members, marital status, or are otherwise restricted by cultural norms. Even in countries where property legislation is gender neutral, law enforcement often restricts women’s ability to exercise their rights to purchase housing. Ultimately, the hundreds of millions of the urban poor who live in global slums are the key to resolving the global housing and urban crisis. They know their communities and are doing the best they can to mobilize resources and create opportunity. Conclusion Enormity and complexity of housing sector in India calls for urgently redefining the agenda, problem and priorities for achieving the objective of Housing for All by 2022. Conventionally, housing for EWS/LIG sections has been the responsibility of parastatal agencies with limited role assigned to individual beneficiaries. This has to undergo a change by bringing all the stakeholders on a single platform to work for achieving the objective. In addition, priorities will have to be redefined with highest preference going to shelter-less numbering 1.77 million, to ensure that there is no shelter-less person in the country. Further, undue demolition which reduces/ destroys the available housing stock should be prohibited. Slums, housing 17% of
- 14. Indian urban population, need critical/objective review and evaluation, before their housing stock is demolished/destroyed and rehabilitation schemes prepared. Slums qualifying for in-situ up- gradation, should be permitted with absolute tenancy rights given to eliminate any threat of eviction/demolition. This will help in pooling the resources by beneficiaries to upgrade their shelter. However, state must provide basic amenities and services, improve accessibility, sanitation and access to healthcare, education and open spaces to improve quality of life adopting a co-operative approach with right to transfer the property minimized. Providing housing to all can become a distinct reality by adopting holistic approach involving all the stakeholders based on Affordable Housing Friendly Policy framework put in place and removing existing roadblocks. Role of parastatal agencies shall be that of facilitator/enabler/promoters rather than of provider with key responsibilities given to the private/ co-operative/corporate sectors. Implementing reform linked policy framework, would be critical in making affordable housing a distinct reality. Looking at the criticality, housing sector can be effectively leveraged to create/ expand large job market for unskilled/ semi-skilled rural migrants; skilling India; creating state of art construction technologies; revitalize Indian industry; promote economy; achieving growth rate of 9% and marginalizing poverty in urban India besides making urban centers smart, more productive, effective, efficient, healthier, better habitable, better organized, well planned and more sustainable with assured quality of life. Critically, a minimum-standard housing unit must be defined in each of them. A better solution is to set standards that reflect rising aspirations—a housing “ladder” that can start with something very basic that might, for example, have communal kitchens and baths and serve as transitional housing for new arrivals. Affordable housing could also represent a significant opportunity for the global construction and housing-finance industries. Building homes for all the low-income households added in cities by 2025 could cost $2.3 trillion. That would represent a construction market of $200 billion to $250 billion in revenues annually, or about 10 percent of the global residential real-estate construction industry.As India's urban population continues to grow, there will be increasing number of urban poor and informal housing settlements - addressing their housing needs is going to become critically important in the years to come. Getting the basics right at this point in time can help the country cope with the pressures of informal housing and rapid urbanisation.
- 15. Bibliography JONES LANG LASALLE ; Affordable Housing in India- an Inclusive Approach to Sheltering the Bottom of the Pyramid-2012 India Knowledge @Wharton; What’s Holding Back Affordable Housing in India Government of India, MOHUPA; India Habitat –III, National Report 2016 Government of India, MOHUPA; Report of the Working Group on Migration,2017 UN Habitat; The Right to Adequate Housing- Fact Sheet no 21 Government of India, MOHUP Report of the Technical Group on Urban Housing Shortage for the 12th Plan Period. https://www.citylab.com/equity/2017/07/solving-the-global-housing-crisis/533592/- Richard Florida; July 18,2017 Jonathan Woetzel, SangeethRam, JanMischke, NicklasGaremo,Shirish Sankhe; McKinsey Global Institute Report; Tackling the World’s affordable Housing Challenge October 2014 Florida Richard; How Cities are Making the Global Housing Crisis Worse; July18, 2017 Gupta Jit Kumar; Housing for All in Urban India- A Myth or Reality- Published Paper Authors *Dr. Sanjeev Chaddha Professor & Head Management Development Centre Mahatma Gandhi State Institute of Public Administration, Punjab Sector 26, Chandigarh-160026 Email: [email protected], mob- 87278- 57116 **Jit Kumar Gupta Former Advisor, Town Planning, Punjab Urban Development Authority #344, Sector 40-A, Chandigarh-160036 mail- [email protected], mob- 90410-26414 .
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