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Read the following passage and then answer the questions that follow.

      

Read the following passage and then answer the questions that follow.

Government housing policy should deliberately promote affordable housing to avoid mushrooming of slums and create decent accommodation for lower and medium income households.
Housing still remains unaffordable for the majority of Kenyans because of an insensitive housing policy and declining incomes.
The government’s lip-service regarding affordable housing means that a majority of Kenyans especially those residing in Nairobi continue to wallow in housing poverty having only slums as their accommodation.
As a matter of facts, very few estates in Nairobi can escape the UN definition of a slum. This is because they lack the essential facilities that are deemed to provide decent accommodation.
It is not uncommon to find a household made up of six adults staying in a one-roomed house. This invades personal space, reduces creativity and makes life just mere survival. Residents are normally pre-occupied with survival instead of building the nation.
Several factors combine to create this housing crunch. These include salaries and wages that have not kept pace with housing costs.
Many employers do not factor the cost of housing in their compensation packages. Pushed by tough economic times and the profit maximization motive, many employers are happy to give a consolidated pay. It is up to the employees to allocate their income to get decent accommodation.
Also most jobs are low paying. Statistics shows that a majority of Kenyans earn less than 10,000 per month.
This small sum is meant to meet accommodation needs, beside other equally important family obligation. With poor wages, most people cannot afford decent accommodation.
Since housing for lower and middle-income groups does not offer good returns, investment in this sector is diminishing by the day. The return here is way below what developers get in up market housing.
With the economy now registering 4.3 percent growth there are high hopes that there will be a huge demand for housing.
According to international practice, housing is considered “affordable” if it costs no more than 30 per cent of the monthly household income for rent and utilities. If your household Income is Ksh 10,000 per month, you should pay more than Ksh 3000 monthly for your rent and utilities.
That is why affordable housing is an indispensable proposition in Kenya today. Affordable housing is a concept that can serve Kenya well and offer a solution to the social –economic development of lower and middle – income households.
Affordable housing should serve young families, a stable place to get back to after a hard day building the nation.
It. Is a cost-effective living situation for persons with special needs.
Affordable housing developments normally meet local building standards and designs requirements.
Professional on-site resident management includes stringent tenant selection and quick responses to maintenance requirements.
In other developed economies. Private developers, mostly non-profit co-operative societies, develop affordable housing using a combination of rental income, private funding and government subsidies.
Over the past decade, it has become increasingly clear that partnerships among local government, non-profit housing developers, community leaders and private financial institutions can create attractive and affordable housing that not only serve residents, but is an asset to the broader community,
The benefits that accrue from affordable housing are immense. It provides housing for the local workforce, especially lower wage earners, besides revitalizing distressed,
Affordable housing is also used to direct economic benefits to the local community, e.g. increased jobs, reduced traffic and better air quality.
It is upon the government to come up with policies which promote partnerships with the private sector to ensure affordable housing for all Kenyans

QUESTIONS

a) Why should the government housing policy promote affordable housing?

b) Show why the housing has remained out of reach to many Kenyans.

c) Residents are normally pre-occupied with survival instead of building the nation.
(Begin; Instead.......)

d) What are the repercussions of congestion?

e) With poor wages most people cannot afford decent accommodation.(add a question tag).

f) When is housing considered affordable?

g) Give the antonyms of the following words.
i) Promote
ii) Asset
h) State three expectations that could be achieved from affordable housing?

i) Give the meaning of the following words and phrases as used in the passage.
i)mushrooming-
ii) Lip-service-
iii) wallow-
iv) Considerated pay-
v) indispensable






  

Answers


Martin
a)
Avoid mushrooming of slums.
Create decent accommodation for lower and medium income households.

b)
Insensitive housing policy.
Declining incomes


c) Instead of building the nation, residents are normally pre-occupied with survival.

d) Invades personal space
- Reduces creativity
- Makes life just mere survival

e) can they?

f) If it costs not more than thirty percent of the monthly household income for rent utilities.

g)
Promote-demote

Asset- liability

h)
– offer a solution to the social-economic development of lower and middle income households.
-Provide a stepping stone for young families, a stable place to get back to after a hard day building the nation.

i)
I) mushrooming- growing/coming up at a high rate

II) Lip-service- what is said is not done practically

III) Wallow- Swim in

IV) Consolidated pay- combined salary

V) Indispensable- Something that one cannot do without/unavoidable

marto answered the question on September 11, 2019 at 07:48


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