Actors involved\u00a0<\/strong><\/p>\n \u0160t\u00e1tny fond rozvoja b\u00fdvania (SFRB)<\/span>\u00a0<\/span><\/p>\n Scale<\/strong><\/p>\n National<\/span>\u00a0<\/span><\/p>\n More information<\/strong>\u00a0<\/span><\/p>\n The SHDF provides long-term loans on favourable terms. These cover up to 100 per cent of housing acquisition costs and are available for terms of up to 40 years at interest rates of between zero and 2 per cent. The loans are available for the:<\/span>\u00a0<\/span><\/p>\n SHDF has made a significant contribution to improving the supply and quality of housing in Slovakia.\u00a0 There was a serious shortage of good quality housing, particularly for low-income households, following transition of Slovakia in the early 1990s.\u00a0 This was due to low levels of new housing supply from the market and the privatization of the majority of rented dwellings, which had previously been owned by the state during the communist period.[1] Between its establishment and 2016, the fund supported the provision of 40,858 social housing units, which is one of the highest rates of new social housing output achieved in post-communist countries during that period.[2]\u00a0 Between its establishment and 2018, the SHDF has funded or co-funded the renovation of 25 per cent of the total Slovakian housing stock. Take-up of its loans by municipalities is helped by the fact that these are not included in general government debt.<\/span>\u00a0<\/span><\/p>\n SHDF is also significant in institutional terms and in terms of the housing finance expertise it can provide.\u00a0 Its extensive experience in financing housing meant that it was ideally placed to act as a special purpose financial intermediary to administer the EU JESSICA programme for energy-efficient renovation of dwellings when it was established in 2013.[3]<\/span>\u00a0<\/span><\/p>\n [1] UNECE, Country profiles on the housing sector: Slovakia (Geneva, United Nations Economic Commission for Europe, 1999). Available at https:\/\/unece.org\/housing-and-land-management\/publications\/country-profiles-housing-sector-slovakia<\/a>.<\/span>\u00a0<\/span><\/p>\n [2] Heged\u00fcs, \u201cAffordable Housing in Central and Eastern Europe\u201d<\/span>\u00a0<\/span><\/p>\n [3] European Commission, European Construction Sector Observatory, \u201cSlovak Republic\u201d, Policy fact sheet State Housing Development Fund (September 2019). Available at https:\/\/ec.europa.eu\/docsroom\/documents\/38344<\/a>.<\/span>\u00a0<\/span><\/p>\n http:\/\/www.sfrb.sk\/<\/span>\u00a0<\/span><\/a><\/p>\n <\/p>\n <\/p>\n\n
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