{"id":230,"date":"2016-10-26T08:04:05","date_gmt":"2016-10-25T22:04:05","guid":{"rendered":"https:\/\/www.clt-associates.com.au\/?page_id=230"},"modified":"2017-04-16T19:04:53","modified_gmt":"2017-04-16T09:04:53","slug":"what-is-a-clt","status":"publish","type":"page","link":"https:\/\/clt-associates.com.au\/index.php\/what-is-a-clt\/","title":{"rendered":"What Is a CLT?"},"content":{"rendered":"

A CLT (Community Land Trust) is a proven method of providing perpetually affordable housing. CLTs are prevalent in the US and UK (See map)<\/a>.<\/p>\n

The CLT model that can be applied across Australia is a shared equity arrangement between a not-for-profit organisation and the Resident, with initially the CLT having at least a 20% equity share in the property, and the resident paying down a mortgage on up to 80% of the value of the property. The resale restriction in the deed returns most of the capital gains upon sale to the CLT, which stays with the property (typically 75% to CLT, 25% to owner). This allows the next resident to get into CLT housing much more easily than into open market housing.\u00a0 In some jurisdictions a leasehold model may be more suitable.<\/p>\n

CLT Organizations typically have a unique Board of Directors structure with extensive community and resident participation.\u00a0 1\/3 are normally residents of CLT housing; 1\/3 are other residents of the geographical area of the CLT, and 1\/3 are Public Interest “experts” such as CLT management, local government officials, housing experts, bankers, NGO reps, etc.<\/p>\n

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A CLT (Community Land Trust) is a proven method of providing perpetually affordable housing. CLTs are prevalent in the US and UK (See map). 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