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A Unique Approach to Aboriginal Housing
The Ouje-Bougoumou Cree Nation is in the unique position of being
one the few aboriginal communities to be able to develop and finance
its own housing program. This is a consequence of the negotiations
which took place between the Ouje-Bougoumou Cree Nation and the
Government of Canada on the nature of Canada's financial contribution
toward the construction of the Ouje-Bougoumou village. One of the
key elements of the agreement which resulted from the negotiations
was that certain funds would be transferred to Ouje-Bougoumou for
housing purposes.
Following
many community consultations, the Ouje-Bougoumou Housing Committee
developed a unique and innovative Housing Program which has been
designed to provide affordable and good quality housing for all
Ouje-Bougoumou members. The program was designed in such a way so
that the Ouje-Bougoumou people could look after their own housing
needs in the future.
The
Ouje-Bougoumou Housing Program contains two major components: the
Home Ownership Program and the Rental Program. These two programs
were developed to accommodate the housing needs of the entire Ouje-Bougoumou
population.
The Home Ownership Program
The Housing Program was designed by the Ouje-Bougoumou people to
make home ownership available to as large a segment of the population
as possible. The type of housing provided through normal government
aboriginal housing programs does not permit home ownership. The
Housing Committee felt that making affordable home ownership available
to Ouje-Bougoumou members would represent important progress in
the development of appropriate aboriginal housing.
In developing the kind of program that would be in place to accommodate
the Ouje-Bougoumou housing needs, the local Housing Committee was
aided by certain guidelines articulated by the community members
over the course of several meetings and workshops. Among these criteria
were the following:
- The houses would need to be built in such a way so that the
Ouje-Bougoumou people would learn to build houses themselves.
- The houses had to be designed to be appropriate to the Cree
culture.
- The houses would need to be easy to maintain and as inexpensive
to operate as possible, which meant, among other things, that
the houses would need to be highly energy efficient. In order
to enhance the energy efficiency of the village, the houses were
designed to exceed the R-2000 standard. (In fact the houses have
been rated at nearly R-3000.)
- And finally the houses would need to be affordably built without
sacrificing quality.
The Benefits of Owning a House: |
Lower long-term cost. |
As soon as a house is paid for the housing costs drop very
significantly. After title passes to a homeowner he only needs
to continue to pay for the basic operating costs. |
Building Equity. |
Once a house is paid for the homeowner will have in his
possession something which has financial value. The better
that this asset is taken care of the greater will be the value
of the asset. |
Contribution to future community housing. |
By paying off the costs to own a house to the Housing Program
that Program's funds will increase and the Program will be
able to build houses for future generations of Ouje-Bougoumou
people. |
Pride. |
By taking on the responsibility of owning and properly
maintaining a house an individual has the opportunity to own
something he can take pride in. |
In order to make affordable home ownership available, the Housing
Program has built good quality, energy efficient houses as economically
as possible. The homeowner is expected to pay back a portion of
the cost of constructing the house and is also responsible for properly
maintaining the house which means paying for the electricity, heating,
insurance, user fees, repairs, etc. The Program has been designed
so that no more than 25% of a family's income should be devoted
to shelter costs. The monthly cost to the homeowner depends on family
income. The higher the income, the higher the monthly payments.
However, the more that is paid on a monthly basis, the shorter is
the time for paying back the construction cost of the house. This
is done for greater fairness and equitability.
If a person wishing to become a homeowner offers to provide voluntary
labour in the construction of any of the houses built under this
Program, the value of that labour may be applied toward reducing
the total amount which needs to be paid back to the Housing Program.
This provides members with the opportunity to reduce their regular
financial requirements through non-cash means.
The Rental Program
After considerable deliberation, the Housing Committee determined
that the rates for occupying the rental units would be a fixed monthly
rate applicable to all renters. However in recognition of the fact
that there may be significant income differences within that group
of members who will become renters, three categories of rental rates
have been established.
Ouje-Bougoumou members who live in the rental units and who plan
to enter the Home Ownership Plan in the future may take advantage
of an opportunity to make it easier for them to eventually own their
own homes. This can be done by regularly putting aside an amount
of money to be credited to an individual's home ownership account.
By accumulating funds in the home ownership account, the amount
of the construction costs which must be repaid can be reduced. Therefore,
while renting, an individual can take measures which will reduce
the costs of home ownership when that family is ready to take on
the responsibilities of home ownership.
Today the Ouje-Bougoumou people continue to build attractive, comfortable,
affordable and energy efficient houses within a context of housing
self-sufficiency. The Ouje-Bougoumou leaders believe that the local
housing program may, in fact, set a standard for aboriginal housing.
In 1994, Ouje-Bougoumou received honourable mention from Canada
Mortgage and Housing Corporation (CHMC) in a competition for housing
innovations in the category of "Technology and Production".
The award was presented in recognition of the installation of a
biomass fuelled district heating system and its impact on the local
housing program. A number of communities, aboriginal and non-aboriginal,
have since taken an interest in the district heating system and
some have proceeded with the planning of similar systems.
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