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Organised by: 1 00% Money Back Guarantee Registered with: No matter what age we live in, everyone deserves a home Housing Housing Conference Conference Affordable Affordable 2019 2019 24 & 25 July, 2019 Kuala Lumpur

Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

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Page 1: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

Organised by:

100% Money BackGuarantee

Registered with:

No matter what age we live in, everyone deserves a home

HousingHousing ConferenceConference

AffordableAffordable

2019201924 & 25 July, 2019 Kuala Lumpur

Page 2: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

FEATURES & BENEFITS

BACKGROUND OF THE PROGRAM

Page 3: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

KEY ISSUES TO BE ADDRESSED AT THIS

CONFERENCE

The Conference provides the chance to be fully updated on Affordable Housing by some of the most Senior Figures in the sector, whilst networking with the leading professionals in Housing from across the region. It will examine what affordable housing really is in 2019, what the Government legislation means and the Budget 2019 has in store for targeted groups, as well as where the commercial opportunities are, by focusing on significant issues as listed below:

initiatives of providing adequate and quality Affordable House

housing delivery and how can housing targets realistically be met

to enhance the project delivery system

shortage through the development of vertical affordable housing

sustainable affordable housing construction

want

for enhanced livability

Groups

This conference is specifically tailor made for:

Secretary Generals, Heads, O¬fficers of:

Architecture and Consulting Firms

WHO WILL YOU MEET

Page 4: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

EVENT SCHEDULE DAY 1July 24, 2019

8.00 am – 8.30 am Registration & Networking Breakfast

8.30 am – 8.45 am Conference Opening: Welcoming Address by Organizer

8.45 am – 9.00 am Opening speech by Chairperson Dr Daniele Gambero

9.00 am – 10.00 am Session 1: THE CHANGES TO AFFORDABLE HOUSING OVER THE YEARS Speaker: Dr. Daniele Gambero, CEO and Co-founder @ REI Group of Companies 10.00 am – 11.00 am Session 2: AFFORDABLE HOUSING - RISE AND FALL OF PROPERTY PRICES Speaker: Carmelo Ferlito, Senior Fellow @ Institute for Democracy and Economic Affairs (IDEAS)

11.00 am – 11.30 am Networking Coffee

11.30 am – 12.30 pm Session 3: INCREASING ACCESS TO AFFORDABLE HOUSING FOR TARGETED GROUPS Speaker: Dr Ainoriza Mohd Aini, Department of Estate Management, Faculty of Built Environment @ University of Malaya

12.30 pm – 2.00 pm Networking Lunch

2.00 pm – 3.00 pm Session 4: THE ARCHITECT ON AFFORDABLE HOUSING DESIGN Speaker: Datuk Ar. Hj. Saiful Anuar Abdul Aziz, Principal - Arte Axis Design Group

3.00 pm – 3.30 pm Session 5: FURTHER SUBSIDIZING HOUSING SECTOR AND STRENGTHENING PARTNERSHIP BETWEEN PUBLIC AND PRIVATE ON AFFORDABLE HOUSING USING WAQF AND ENDOWMENT TO LAND DEVELOPMENT. Speaker: Prof. Dr. Ismail Omar, Expert Economics, Business And Management in the Fakulti Pengurusan Teknologi Dan Perniagaan @ Universiti Tun Hussein Onn Malaysia

3.30 pm – 4.00 pm Networking Coffee 4.00 pm – 5.00 pm Session 6: Panel Discussion: SELLING AFFORDABLE HOUSING UNITS IN CITIES FOR BUMIPUTRA & NON- BUMIPUTRA Invited speaker: @Khazanah Research Institute And Khazanah Nasional Berhad

State Economic Planning Unit @Perak State Government

@office of the director of land and mines perak

- Rahim & Co

5.00 pm Session Wrap Up

Page 5: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

EVENT SCHEDULE DAY 2July 25, 2019

8.00 am – 8.30 am Registration & Networking Breakfast

8.30 am – 8.45 am Conference Opening: Welcoming Address by Organizer

8.45 am – 9.00 am Opening speech by Chairperson Dr Daniele Gambero

9.00 am – 10.00 am Session 7: APPLICATION OF GOVERNMENT’S NEW 2019 BUDGET PLAN Speaker: Mr Paarthibann Periasamy, Senior Assistant State Secretary, Local Government Unit @ Melaka State Government. 10.00 am – 11.00 am Session 8: LOOKING AT FUTURE GROWTH – HOW AFFORDABLE HOUSING PROJECTS NOW CAN BECOME A PRIME LOCATION LATER? Speaker: Dr Daniele Gambero, CEO and Co-founder @ REI Group of Companies

11.00 am – 11.30 am Networking Coffee

11.30 am – 12.30 pm Session 9: “WORKING PROFESSIONALS? UNDERSTANDING HOW PROPERTY INVESTMENT DECISION WILL AFFECT YOUR FUTURE”

Speaker: Charles Tan, Founder & cum Executive Editor of kopiandproperty.com, Licensed Auctioneer and CEO of TEN Auctioneers Sdn Bhd.

12.30 pm – 2.00 pm Networking Lunch

2.00 pm – 2.45 pm Session 10: PROMOTINGTRANSIT-ORIENTED DEVELOPMENT (TOD) WITH AFFORDABLE HOUSING. Speaker: Mustapha Kamal Zulkarnain, From Arkitek Mustapha Kamal (AMK)

2.45 pm – 3.30 pm Session 11: GREEN, SUSTAINABLE AND ENERGY EFFICIENT MALAYSIA IN THE AFFORDABLE HOUSING MARKET Speaker: Dr. Muhammad Najib Mohamed Razali, Senior Lecturer, Department of Real Estate, Faculty of Geoinformation and Real Estate @ Universiti Teknologi Malaysia

3.30 pm – 4.00 pm Networking Coffee

4.00 pm – 5.00 pm Session 12: Panel Discussion: AN AFFORDABLE HOUSING: WHAT ARE COMMUNITY AND TENANT RIGHTS? Invited speaker:

5.00 pm Session Wrap Up

Page 6: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

SPEAKER PROFILE

Dr. Daniele Gambero

Dr. Daniele Gambero, expatriate to Malaysia from Italy since 2000, is the CEO and co-founder of strategic marketing consultancy firm REI Group of Companies. He holds an MBA from L. Bocconi University in Milan-Italy (Macro Economy), a Master in Communication from the University of Michigan Ann Arbour MI – USA and a PhD in Marketing Strategies and Communication from the University of Michigan.

Dr Daniel Gambero has provided strategic marketing consultancies, investment studies, market researches, property market reports and business valuation all around the world. Since 2007, through REI Group of Companies he has been consulting Malaysian developers on design, concept, strategic marketing and pricing, advertising and marketing &sales procedures for their residential, commercial and industrial project in Malaysia. REI Group portfolio includes: UM Land Bhd, I&P Sdn Bhd, En Capital Sdn Bhd, PNB/ Seriemas Development Sdn Bhd, Genting Properties Sdn Bhd, IRDA and Pasdec Holding Bhd.

A well-known and reputable speaker, Dr Daniel Gambero is frequently invited as panellist or key speaker for workshops and events by REHDA, SHAREDA (Sabah Housing and Real Estate Developers Associa-tion), SHEDA (Sarawak Housing & Real Estate DeveloperAssociation), ASLI, FIABCI Malaysian Chapter, University Malaya, Asia Pacific Diligence, Star Property, iProperty Group and Property Guru. He has been recently selected by Cityscape as key speaker on Malaysian property Market for their circuit of interna-tional expos.

Through his ability in structuring local and global macro / micro economic indicators to look into the Malaysian property market, he centres his speeches on rightness of property investment based on economic drivers’ performances, current and future market values, location, upcoming infrastructures and their impact on the market trend. Dr Daniele Gambero is member of FIABCI Malaysian Chapter and has been invited to be part of advisory panels by IRDA (IMPACT Team), PAM (Affordable housing Master Class), UM Land Bhd and so on. He has been giving regular lectures at UITM and University Mara.

Carmelo Ferlito

Carmelo Ferlito earned a Master in Economics (2003) and a Ph.D. in Economic History (2007) from the University of Verona in Italy. From 2004 to 2009 he worked as researcher with several Italian universities, including University of Verona, Salento University and University of Macerata. In 2017 he was Visiting Scholar at the University of Bergamo.

His research activity is devoted to further expand free market economics as taught by the Austrian School of Economics, with particular reference to business cycle analysis, capital theory and entrepreneurship.

Dr Ferlito is author of five books and more than thirty scientific papers. His latest books are Hermeneutics of Capital. A Post-Austrian Theory for a Kaleidic World (Hauppauge, NY, 2016) and Phoenix Economics. From Crisis to Renascence (New York, 2013). Hermeneutics of Capital is the attempt to describe capital as the outcome of subjective interpretative processes, following the call for a hermeneutical turn in economics as advocated by Ludwig Lachmann and Don Lavoie. In Phoenix Economics, instead, the author moves beyond the traditional Austrian approach to economic fluctuations, emphasizing the role of profit expectations in generating business cycles and developing the natural cycle doctrine as later expanded with two papers in 2014 (The Natural Cycle: Why Economic Fluctuations are Inevitable. A Schumpeterian Extension of the Austrian Business Cycle Theory) and 2016 (At the root of economic fluctuations: theoretical framework and empirical evidences).

Carmelo Ferlito is not only a scholar. In the past ten years he developed a strong business background, working in Southeast Asia enhancing the regional business for multinational companies producing equipment for the poultry industry.

Page 7: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

SPEAKER PROFILE

Dr. Muhammad Najib Razali

Dr. Muhammad Najib Razali is a full time lecturer with the Faculty of Built Environment and Surveying. He has a wealth of academic experience spanning 15 years in the property economics and finance fields.

Dr. Razali has been active in academic writing. His research and writing interests include property investment analysis in developing countries, property portfolio management, the international property market, information technology application in real estate and knowledge management in property. During the past year he has been busy writing and co-writing technical papers on various topics of interest, particularly in the property market area and presenting papers at both local and international conferences. Dr. Razali has written in excess of 100 technical papers for conferences, seminars and international journals.

Dr. Razali is also a professional reviewer for several high ranking journals such as Urban Studies, Property Management, International Journal Strategic Property Management, International Business Review and International Journal of Housing Management Analysis. He is an active speaker for local seminars and conferences, discussing Malaysian property issues. Dr. Razali has published several chapters in books such as “Expert Forecast on Property Markets”, “Routledge Research Handbook on Real Estate Investment Trusts” and “Sustainable Development”.

Dr. Razali currently serves as a board member of the Pacific Rim Real Estate Society (PRRES), Australia, representing the Asian region. This is the second term for Dr. Razali as a board member. Along his career, he has received many awards including best paper awards for several local conferences, best service award by Universiti Teknologi Malaysia and Cucurollo Award by Western Sydney University.

At university Dr. Razali teaches real estate finances modules at both the undergraduate and post-graduates courses. He obtained a Doctor of Philosophy Degree from Western Sydney University, Australia. He also holds a Master of Science Degree in Information Technology and a Bachelor Degree in Property Management from Universiti Teknologi, Malaysia.

Ar. Mustapha Kamal Zulkarnain

Ar. Mustapha Kamal Zulkarnain, an Auckland University alumni from the New Zealand has been practicing architecture for the past 27 years and is a fellow member of Malaysian Institute of Architects (Pertubuhan Akitek Malaysia, PAM) and had served 6 terms as PAM Council Member 1997-2000 and 2014-2017. He still sits in various PAM Committees.

He was also a devoted Rotarian. He is currently the committee member in the USHER of PAM. He is also heading the task force in the PAM Strategic Plan 2030 on Architecture: Cities Now and Future. His area of expertise is Urban Resilience. Apart from this he also Co-Chairs the Media and Publications of PAM.

He first mooted the idea of resiliency into the vocabulary of the committee Urban Wellbeing, Sustainability, Housing and Environmental Resilience (USHER) in 2014 as the Co-Chair that was in charge in preparing the report for the government ofMalaysia through PAM for the Kuala Krai 2014 floods entitled Strategic Initiatives in Floods Disaster Preparedness and Mitigations for Malaysia. This report is now posted on The International Union of Architects website.He has delivered papers and attended various conferences, symposiums and seminars that touched on resiliency. Most notably were the RIBA Conference in London entitled Designing City Resilience 2015, Urban Renewal in Singapore 2015, 2016, 2017 and also as panels for Urban Thinkers Campus (UTC) under the UN Habitat for Habitat III in Hong Kong, Bangladesh and Kuching,Malaysia as well as ASLI.

He was the Convener of the PAM Roundtable Discussion with Archinesia and the members of the publications communities during the 2016 Kuala Lumpur Architectural Festival (KLAF) that deals with Future Communities where the Mayor of Bandung, Pak Ridwan Kamil was the guest speaker. He too sits on the committee for KL Low Carbon Society Blueprint, KL Competitive City and also C40 Group in Dewan Bandaraya Kuala Lumpur (DBKL).

He is now the Curator for the yearly event of the Housing and Urbanity 2017 organised by PAM which entitled ‘How New Urban Agenda Will Fulfil The Sustainable Communities Goals’.

Page 8: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

SPEAKER PROFILE

Datuk Ar. Hj. Saiful Anuar Abdul Aziz

Datuk Ar. Hj. Ar. Saiful Anuar Abdul Aziz is an architect, urban planner, healthcare designer and Principal of Anuar Aziz Architect & Arte Axis Design Group. With a wealth of experience spanning over 30 years and across a full range of projects, he has consolidated a position of accomplishment in the architectural profession through research-based design excellence, innovative out of the box solutions, built works and awards.

He received his Datukship from the State of Malacca in 2014.

Early Life & EducationSaiful Anuar was born in 1965. Raised by his maternal grandparents in Sitiawan, his grandfather was instrumental in bringing electricity to his village, Kg. Lekir in early 1970s. This forms his sense of responsibility and desire to contribute to the society.

He completed his secondary education at Maktab Rendah Sains MARA, Kulim, Kedah. Upon securing MARA scholarship, he continued his tertiary study in the UK during the 1980s.

His flair for design is refined under the tutelage of Professor Christine Hawley, and guest tutor Sir Peter Cook at Polytechnic of East London, now known as University of East London. During the height of the Deconstructivist architectural movement, Wolf D.Prix (Coop Himmelblau) in Frankfurt and Neil Denari in London amongst others reviews his works.

His final thesis for Diploma offer commercially viable option to stop coastal erosions in Norfolk. Sir Nicholas Grimshaw reviewed this cutting-edge project; where architecture and engineering components are elegantly combined.

Professional LifeHe obtained his RIBA Part III prior to returning to Malaysia in 1992; and obtained his LAM Part III in 2000. He incorporate Anuar Aziz Architect in 2000; subsequently forming Arte Axis Design Group into an award winning boutique architect-lead multidisciplinary design practice with a tagline ‘Local Expertise ~ Worldwide Aspiration’.

SOCSO Tun Razak Rehabilitation Center in Malacca best displayed Arte Axis Design Group philosophy. It is also arguably one of the most awarded Malaysian projects internationally; and allows us to present the project at an international arena.

Syamsul Arman Yap

Another successful story of ‘never too late to chase the dream’. Arman started his career in business development; where after six years he became an Assistant General Manager in a logistic company. After a chance meeting with Datuk Saiful Anuar, he decided to go back to his first love i.e a career in Architecture and Design. It was a risk to change his career; nevertheless as a determined young man Arman took the challenge of trying it out from scratch at Anuar Aziz Architect.

He proceeds with his architecture study at Cardiff University, UK followed by University Technology Malaysia. He continued his career at Anuar Aziz Architect after graduation; and subsequently forming Arte Axis Design Group together with the Principal, Datuk Ar. Saiful Anuar Abdul Aziz; into an award winning boutique multidisciplinary design practice specialising in sustainable build environment. He always believes that Architecture is not just the art and science of designing buildings, but also about the art of making of places where people spend their lives. Architects are not just concerned with the exterior and interior design of a building, but the environment as a whole. Architecture is mostly about human beings living in a “better” way then before.

Arman’s forte is in finalising Arte Axis Design Group’s presentation materials into an art form; whether in movie format or boards. This is important to impress the clients and thus secure new projects. His presentation and oratory flair also positioned him to present not only AADG’s works but also other activities under MPC at local and international forum.

Page 9: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

SPEAKER PROFILE

Charles Tan

Charles is the Founder cum Executive Editor of kopiandproperty.com Charles writes from the perspective of a working professional and views property investment as a long term decision. Charles speaks regularly for property events and his articles and views have appeared in many national newspapers, magazines and property listing portals. He has also appeared in TV shows speaking about property investments and has been a judge for a property award too.

Charles is also a Licensed Auctioneer and is the CEO of TEN Auctioneers Sdn Bhd. He has conducted auctions for properties, banknotes and even special plate numbers. Charles has been a corporate trainer for over 10 years and has trained many sales / customer service teams from property developers, real estate agencies, online startups and even regional teams in Hong Kong, Singapore, Thailand, the Philippines, Indonesia and Malaysia. Academically, Charles graduated with a Degree in Business Administration from Bristol Business School, University of the West of England, UK in 1998 and later on an MBA from UUM, Malaysia. Additionally, he is an active Toastmaster and has achieved the Distinguished Toastmaster Award (DTM).

Parthipan Periasamy

Senior Assistant State SecretaryLocal Government UnitMelaka Chief Minister Department

Netherlands (for Masters Degree) in 2017

Dr Ainoriza

Dr Sr Ainoriza is a senior lecturer and currently is the Programme Coordinator for Higher Degree at the Faculty of Built Environment, University of Malaya. She completed her PhD in the area of sustainability and responsible property investment. She has completed national studies on housing for elderly (Funded by the Ministry of Finance Malaysia), religious retirement villages and was involved in the

Housing-Income Index©, financing issues for the first time home buyers, housing challenges for migrants, corporate real estate as well as sustainability in real estate. Her current researches include housing pathways for refugees in Malaysia and the relationship of falls and built environment amongst older adults.

Outside of academia, she has acted as consultant for private developer and government agencies. She

appointed as UM internal auditor and UM program assessor.

undergraduates and postgraduates in UM. She has been invited as speaker, forum panelist at national conferences and as guest lecturer in other local universities. She was one of the Youth Members in the

Surveyors Malaysia.

Page 10: Housing Housing · KEY ISSUES TO BE ADDRESSED AT THIS CONFERENCE The Conference provides the chance to be fully updated on Affordable Housing by some of the most

TOPIC OVERVIEWDAY 1 | SESSION 1

THE CHANGES TO AFFORDABLE HOUSING OVER THE YEARS • How these changes offer opportunities for those delivering housing and investing in it? • How do developers see their role in the delivery of Affordable Housing • Has government objective changed in recent years and where will they go? • How can Local Government encourage housing delivery and how can housing targets realistically be met?

DAY 1 | SESSION 2AFFORDABLE HOUSING - RISE AND FALL OF PROPERTY PRICES

• Issue that government & developer still faces. • Rigid Quotas and Pricing. • What is really holding up the delivery of Affordable Housing projects • Public opinion on affordable housing.

DAY 1 | SESSION 3INCREASING ACCESS TO AFFORDABLE HOUSING FOR TARGETED

GROUPS • Managing affordable housing rental subsidies given by developers for the B40 group. • Understanding what first-time buyers really want • What really matters to first-time buyers, what their motivation for buying is, what their real priorities are and what they are prepared to sacrifice?

DAY 1 | SESSION 4THE ARCHITECT ON AFFORDABLE HOUSING DESIGN

• Feasibility of Affordable housing project in Malaysia. • Identify the difficulties and discuss solutions that are available. • Challenges of financing Affordable housing

DAY 1 | SESSION 5FURTHER SUBSIDIZING HOUSING SECTOR AND STRENGTHENING PARTNERSHIP BETWEEN PUBLIC AND PRIVATE ON AFFORDABLE

HOUSING USING WAQF AND ENDOWMENT TO LAND DEVELOPMENT. • Overview Development of Waqf & housing affordability in Malaysia • Implementation of affordable housing schemes on Waqf Land, Waqf Housing Aimed at Affordablity. • Case Study – project implemented on Waqf Land.

DAY 1 | SESSION 6 | PANEL DISCUSSION: SELLING AFFORDABLE HOUSING UNITS IN CITIES FOR

BUMIPUTRA & NON- BUMIPUTRA • Issue of no lands in cities for affordable housing • Housing and Local Government Ministry’s option to help fulfil the bumiputra quota • What can we do for non- bumiputra to avoid biasness among public opinion

DAY 2 | SESSION 7APPLICATION OF GOVERNMENT’S NEW 2019 BUDGET PLAN

• For first-time home-buyers with household income of RM5,000 or less • Higher financing for select first-time house buyers • loan agreements for first-time house buyers purchasing • Stamp duty exemption on S&P and loan agreements for first-time house buyers purchasing • Exemption of stamp duty on select unsold units

DAY 2 | SESSION 8LOOKING AT FUTURE GROWTH – HOW AFFORDABLE HOUSING

PROJECTS NOW CAN BECOME A PRIME LOCATION LATER? • Developers building affordable housing should look at the future • Location of an affordable project now will be a prime location with effective infrastructure services in another 20 to 25 years • The property sector is heading to an extent that there is not much upside for big players anymore • Supply was overtaking demand • Developers are supposed to comply with low-cost housing requirements while building luxury properties

DAY 2 | SESSION 9“WORKING PROFESSIONALS? UNDERSTANDING HOW

PROPERTY INVESTMENT DECISION WILL AFFECT YOUR FUTURE” • How has salary growth been versus the property prices over the last 29 years? • Why property prices can only keep rising with a growing salary? • How property ownership or renting affects working professionals when they retire? • What is the direction of the property market in the future? Predictions, predictions, predictions...

DAY 2 | SESSION 10PROMOTINGTRANSIT-ORIENTED DEVELOPMENT (TOD)

WITH AFFORDABLE HOUSING. • Opportunity - An affordable transit system increases accessibility and mobility all along its route, providing substantial benefits to communities. • A great boon to B40 buyers, ensuring easy Access to Services • Access to transit is a powerful driver for real estate values and could cause gentrification of affordable housing • What can government & developers do to apply TOD in their projects.

DAY 2 | SESSION 11GREEN, SUSTAINABLE AND ENERGY EFFICIENT MALAYSIA IN THE

AFFORDABLE HOUSING MARKET • Sustainability as one of the main concerns that dampen the effort of affordable housing projects • Why aren’t we on the fast track to supply houses with more breakthrough technologies & marvellous innovation to market that demands for it? • What are the initiatives that are being rolled out there to ensure modernised, energy efficient and cost effective affordable housing projects in Malaysia?

DAY 2 | SESSION 12 | PANEL DISCUSSIONAN AFFORDABLE HOUSING: WHAT ARE COMMUNITY

AND TENANT RIGHTS? • Pressures with increasing housing costs and stagnant wages leaving more than half of tenants cost burdened. • Traditionally, social housing was intended for those most in need. Housing providers would provide stable and affordable homes at subsidised rates for those who were struggling with housing costs. However, the role of housing providers is fast changing, and the range of people they serve is expanding. Social housing was once for those most in need, but this is changing. • Who should affordable housing actually be for? Should the housing sector still focus solely on the poorest in society? Or, with a housing crisis affecting even working people on middle incomes, should it cater to a far broader range of people today? • Residential Tenancy Act to be enforced in affordable housing