The Practitioner's Handbook is organised into two parts. Part I provides readers with a basic overview of practical approaches to housing sector development, and related approaches in various countries throughout SEE. Illustrating these approaches, Part II provides concrete examples of the tools, methodologies, case studies, and publications that practitioners have used on a daily basis to help them contribute to housing sector development in their country or scope of work. Parts I and II also contain topic-specific and general bibliographies of relevant resources. The handbook’s loose-leafed, tabulated format allows people to provide additional case studies and reference materials as they are developed and documented.


To read Part I click here.

Part II materials appear below:

Chapter One:

Click here for 'Savings models, managed by deposit taking banks, in which housing finance techniques are available' by Mag. Herbert G. Pfeiffer, Sarajevo, on May 20th, 2004.

Click here for a Housing Microfinance Case Study: REZ-FOND Home Improvement Loan Program in Bosnia and Herzegovina.

Click here for a PowerPoint presentation by CHF International on Housing Microfinance: An Alternative to traditional housing finance mechanisms.

Click here for a 'Construction Lending Training Manual'. This manual was designed as a basic training instrument to provide typical policies, practices and procedures used by financial institutions in the United States when originating and servicing loans to finance housing construction.

Click here for a guide for homeowners prepared by USAID and the Urban Institute, 'Why not borrow to buy a home: A guide to future homeowners'.

Click here for a Home Mortgages Training Manual. This manual was designed as a basic training instrument to provide typical policies, practices and procedures used by financial institutions in the United States when originating and servicing home mortgage loans. It has been made relevant to the Mortgage Fund Program by indicating specific references in the Procedural Mortgage Lending Guide and the Mortgage Fund Operations Manual. If forms have been developed for the requirements of the program, they are provided and indicated with the symbol "_". Many of the forms are contained in the application, but are provided in addition as exhibits to facilitate the use of this manual.

Click here for a PowerPoint Presentation by the Asian Bond Market Forum at the University of Hong Kong on November 11-14, 2003 by Pamela Lamoreaux - IFC, Manager Housing Finance Group – Global Financial Markets on their work in the housing finance market.

Click here for the report of a one day workshop Regional Conference on Housing Finance: Building Housing Finance in Central and Eastern Europe: Sharing and Comparing by USAID.

Click here for a Housing Microfinance Case Study: HILP and Condominium Loans in Romania. This case study draws upon information presented by Bryan Winston, Country Director of CHF Romania, at the conference in Sarajevo, Towards Social Stability and Economic Development. The case study illustrates the individual and group home improvement loans that CHF Romania has designed and made available through its microfinance program.

Chapter Two:

Click here for a PowerPoint presentation by Jiří Zeman on 'Multistory Block Housing in the Czech Republic' presented at the conference in Sarajevo on 'Practical Approaches to Housing Sector Development in Transition Countries' on May 20, 2004.

Click here for a Condominium Housing Training Manual produced by CHF International.

Click here for a European Economic Commission doucment on 'Guidelines on Condominium Ownership of Housing For Countries in Tranisition'.

Click here for a Polish case study on 'Emerging Governance Within Polish Condominium Associations' produced by CHF International.

Click here for Romanian case study on Condominium Associations, produced by CHF International.

Click here for 'The Operation and Management of Multi-Family Housing in Romania: A Reference Manual for Owners Associations' produced by the Urban Institute.

Click here for a PowerPoint presentation by Ralf Protz, from the Competence Centre Large Settlements e.V., on 'Large Settlements in Central and Eastern Europe'.

Click here for a PowerPoint presentation presented at the 2004 Sarajevo Conference on the theme of 'Bottom Up Approaches to Regeneration and Reinvestment Examples from the United Kingdom by Stephanie Bamford.

Click here for a Reference Manual for the Renovation of Multi-Family Residential Buildings in Romania, produced by the Urban Institute.

Chapter Three:

Click here for a PowerPoint presentation on 'PPPs and Regional Development' by Gerard Ennis, EURED Team Leader.

Click here for a PowerPoint presentation on 'PPPs & Urban Development' using Bosnia & Herzegovina (BiH) as a case study by Vince Gamberale,CHF International Country Director of BiH.

Click here for a PowerPoint presentation on 'Can Municipalities make a difference to housing?' by Malcolm Boorer, UK Housing Consultant, Wales, UK.

Click here for 'A Manual of Public – Private Partnerships for Local Economic Development' produced by CHF/Romania within the framework of the USAID-financed INED project in Timişoara, April 2002.

Click here for 'Policy Program Options for Urban Poverty Reduction: A framework for action at the municipal level' produced by the Urban Management Program in September 1996.

Chapter Four:

Click here for a June 1998 Economic Commission for Europe Committee on Human Settlements Meeting of Officials on Land Administration on a report on the Social and Economic Benefits of Good Land Administration.

Click here for a report on Land Adminstration Guidelines With Special Reference to Countries in Transition produced by the Economic Commission for Europe Committee on Human Settlements.

Chapter Five:

Click here for a PowerPoint presentation on the Stability Pact for South Eastern Europe (SEE) and Informal Settlements, including the Migration, Asylum, Refugees Regional Initiative (MARRI).

Click here for more information on the MARRI with a report on 'The Housing Sector – Access to Affordable Housing Developing Sustainable Solutions to Displacement and Migration'.

Click here for a PowerPoint presentation on 'Refugee-related Housing Issues in selected SEE Countries' produced by International Advisory Services for Urban Action.

Click here for a report on Refugee related issues in selected SEE countries, produced by Emiel A. Wegelin.

Click here for a report on the Stability Pact for SEE Housing Program Development Study in BiH, Croatia and the Federal Republic of Yugoslavia.

Click here for a map produced by the UNHCR of an 'Estimate of Refugees and Displaced Persons still seeking solutions in SEE'.