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Flat 1 Earlier the property rights were applied mostly for privatization of flats,
Flat 2
Flat 3 Flat 4
WHAT IS HOA?
Earlier the property rights were applied mostly for privatization of flats,the whole house stayed the communal property
whileFlat 1 Flat 2
Flat 3 Flat 4
WHAT IS HOA?
HOA
Homeowners Associations (HOAs) is the decision-making mechanism for owners of flats within one building.Homeowners Associations (HOAs) is the ordering party on behalf of members and has the right to make deals with third parties, like service providers and government bodies
Municipalities
Service providers
Commercial bank is the natural partner of HOA.
WHAT IS HOA?
as of 2012 there are
$15 billionannual volume of utility services
In Ukraine, there are
app. 220 000apartment buildings
app. 14 000HOA’s
HOA’S IN UKRAINE
HOA is the key to the huge audience of customers for banks
CROSS SELLING OPPORTUNITIES
$214 563investments
$21 128annual economy
12,6 yearsROI period
ENERGY EFFICIENCY POTENTIAL
Modernization of the apartment buildings is the safe and stable source of income for banks
$21 128saved
$29 579$50 708$92 964$202 832$211 284$249 315
calculations for 9-floor building with 72 apartments and total flat of 4184 sq.mt
$266 217
after 1 yearafter 1,4 yearsafter 2,4 yearsafter 4,4 yearsafter 9,6 yearsafter 10 yearsafter 11,8 yearsafter 12,6 years
ROOF WARMING$19 919investments
$1 585annual savings
12,6 yearsROI period
SEALING THE WINDOWS
$19 211investments
$1 914annual savings
10 yearsROI period
ENERGY EFFICIENT LIGHT BULBS AND MOVEMENT SENSORS
$2 788 investments
$632annual savings
4,4 yearsROI period
HEAT-REFLECTORS BEHIND THE RADIATORS
$811investments
$573annual savings
1,4 yearROI period
ENERGY MANAGEMENT SYSTEM
$951investments
$394annual savings
2,4 yearsROI period
BASEMENT WATER-PROOFING
$13 010investments
$1 358annual savings
9,6 yearsROI period
HEAT INSULATION OF PIPES AND TAPS
$1 426investments
$1 372annual savings
1 yearROI period
FAÇADE WARMING
$145 446investments
$13 300annual savings
11,8 yearsROI period
after
110 kWh per year
before
230 kWh per year
ENERGY EFFICIENCY POTENTIAL FOR 1 SQUARE METER
1 sq.mt
*figures are based on Bukietowa project (Poland)
UAH 2.70
Monthly investments for 1 sq.mt. during the ROI period (12,6 years)
Decrease of heating loss in kWh*
53%calculations for 9-floor building with 72 apartments
and total flat of 4184 sq. m
ENERGY EFFICIENCY POTENTIAL
Decrease of heating expenses in kWh*
53%
ENERGY EFFICIENCY POTENTIAL FOR 1 SQUARE METER
calculations for 9-floor building with 72 apartments and total flat of 4184 sq. m
ENERGY EFFICIENCY POTENTIAL
214 563investments
$21 128annual economy
12,6 yearsROI period
Modernization of the apartment buildings is the safe and stable source of income for banks
₴168 816saved
₴236 342₴405 158₴742 790₴1 620 634₴1 688 160₴1 992 029$266 217
after 12,6 years
ROOF WARMING$19 919investments
$1 585annual savings
12,6 yearsROI period
SEALING THE WINDOWS
$19 211investments
$1 914annual savings
10 yearsROI period
ENERGY EFFICIENT LIGHT BULBS AND MOVEMENT SENSORS
$2 788 investments
$632annual savings
4,4 yearsROI period
HEAT-REFLECTORS BEHIND THE RADIATORS
$811investments
$573annual savings
1,4 yearROI period
ENERGY MANAGEMENT SYSTEM
$951investments
$394annual savings
2,4 yearsROI period
BASEMENT WATER-PROOFING
$13 010investments
$1 358annual savings
9,6 yearsROI period
HEAT INSULATION OF PIPES AND TAPS
$1 426investments
$1 372annual savings
1 yearROI period
FAÇADE WARMING
$145 446investments
$13 300annual savings
11,8 yearsROI period
Loan
AIMS OF THE CREDIT
Other actionaHeating modernization
Complex renovation
Warming of the house
SOURCES FOR LOAN RETURN
Higher monthly payments Energy saving
Return
Bank gives the loan in terms of clear and simple criteria
PRODUCT DESCRIPTIONCredit is directed into modernization, so it helps to save money
The loan is partly guaranteed by the bank accounts of HOA, as well as guarantees from IFC and the government
GUARANTEE
Partly guaranteeHOA’s bank
account
May
₴ HOA’s joint monthly payment
Government subsidies
Debtor
Creditorafter
110 kWh per year
before
230 kWh per year
1 sq.mt
*figures are based on Bukietowa project (Poland)
UAH 2.70
Monthly investments for 1 sq.mt. during the ROI period (12,6 years)
calculations for 9-floor building with 72 apartments and total flat of 4184 sq. m
Decrease of heating expenses in kWh*
53%
Product is self-financed
Part of the corporate social responsibility
Stable source of incomes even in time of crisis
There’s no case of default
Access to the huge number of the potential clients
PRODUCT POTENTIAL
Loan
AIMS OF THE CREDIT
Other actionaHeating modernization
Complex renovation
Warming of the house
SOURCES FOR LOAN RETURN
Higher monthly payments Energy saving
Return
PRODUCT DESCRIPTIONThe loan is partly guaranteed by the bank accounts of HOA, as well as guarantees from IFC and the government
GUARANTEE
Partly guaranteeHOA’s bank
account
May
₴ HOA’s joint monthly payment
Government subsidies
Debtor
Creditor
HOA
