Mi Kas Awor (MKA)

Allocator of budget, housing units and credit amortization

Subsidies

Monthly (guilders/month)

Monthly MKA 1

Monthly MKA 2

Monthly MKA 3

Monthly MKA 4

Upfront (one-time)

Upfront MKA 1

Upfront MKA 2

Upfront MKA 3

Upfront MKA 4

Customs exemption (one-time)

Customs MKA 1

Customs MKA 2

Customs MKA 3

Customs MKA 4

Monthly subsidy duration (years)

Duration MKA 1

Duration MKA 2

Duration MKA 3

Duration MKA 4

Budget allocation (100%; automatically normalized)

% MKA 1

% MKA 2

% MKA 3

% MKA 4

Operations constraint: minimum annual intake (years 1–15)

Min intake MKA 1

Min intake MKA 2

Min intake MKA 3

Min intake MKA 4

Funding rule: full lifetime commitment. Every household must be fully funded at admission, including upfront, customs and all future monthly subsidies. Future unapproved budgets are never assumed.

How should unused program balances be handled?

Keep each program's allocation fixed

Flexible efficient: maximize additional households

Flexible progressive: prioritize higher-cost eligible programs

Both flexible modes first apply the percentage allocation shown above and exclude every program whose initial percentage is zero. Efficient pooling starts with the lowest-cost eligible program. Progressive pooling starts with the highest-cost eligible program.

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Annual budget

Budget for years 1-15

Download annual budget table (CSV)

Results

Budget distribution by MKA segment

Charts

Download chart data (CSV) Download chart data (CSV)

Download upfront + customs data (CSV)

Download monthly subsidy data (CSV)

Download chart data (CSV)

Required budget driven by household targets

Enter new households by program and intake year. This module calculates the budget required; it does not use the budget entered in Optimization. Results include upfront, customs and all monthly subsidy payments, including payments after year 15.

Households per program for years 1-15

Download household targets (CSV)

Total households by program

Download household totals (CSV)

Required annual budget

Download required annual budget (CSV)

Upfront subsidy + customs by year

Download upfront + customs table (CSV)

Monthly subsidy by year

Download monthly subsidy table (CSV)

Download program data (CSV)

Download upfront + customs chart data (CSV)

Download monthly subsidy chart data (CSV)

Housing values and credit assumptions

Construction value per m² MKA 1

Construction value per m² MKA 2

Construction value per m² MKA 3

Construction value per m² MKA 4

Constructed area MKA 1 (m²)

Constructed area MKA 2 (m²)

Constructed area MKA 3 (m²)

Constructed area MKA 4 (m²)

Housing value = construction value per m² × constructed area. The resulting housing values remain manually editable.

Housing value MKA 1

Housing value MKA 2

Housing value MKA 3

Housing value MKA 4

Savings MKA 1 (% of housing value)

Savings MKA 2 (% of housing value)

Savings MKA 3 (% of housing value)

Savings MKA 4 (% of housing value)

Amortization MKA 1

Amortization MKA 2

Amortization MKA 3

Amortization MKA 4

Minimum household quote MKA 1

Minimum household quote MKA 2

Minimum household quote MKA 3

Minimum household quote MKA 4

Minimum household quote is a payment floor for Fixed payment and Decreasing payment with fixed quote during the monthly subsidy period. A value of 0 preserves the standard model.

Interest rate MKA 1 (%)

Credit term MKA 1 (years)

Interest rate MKA 2 (%)

Credit term MKA 2 (years)

Interest rate MKA 3 (%)

Credit term MKA 3 (years)

Interest rate MKA 4 (%)

Credit term MKA 4 (years)

Refinancing after the monthly subsidy

When enabled, enter only the years to add beyond the original credit term. The app automatically adds those years to the contractual time remaining when the subsidy ends and re-amortizes the credit balance at the selected new rate.

Refinance MKA 1

New interest rate MKA 1 (%)

Additional years MKA 1

Refinance MKA 2

New interest rate MKA 2 (%)

Additional years MKA 2

Refinance MKA 3

New interest rate MKA 3 (%)

Additional years MKA 3

Refinance MKA 4

New interest rate MKA 4 (%)

Additional years MKA 4

Scenario with subsidies

Monthly amortization detail

Display frequency

Financial indicator

Compare the selected indicator across MKA 1, 2, 3 and 4.

FUNDASHON KAS POPULAR

Beneficiaries

Applicant profile and access to housing

Latest active database

Global filters

Registered program

Imputed program

Gender

Income source

Age

Housing simulator

Target home value (XCG)

Required savings

Applicants

With savings

Can afford the target home

Median savings

Registered program

Program imputed by income

Demographic profile

Points distribution

Savings-range distribution

Gap to the savings target

Households meeting the savings target

Age distribution

Marital status

Age by imputed program

Income source

Median income by gender

Median savings by income source

Registered program

Imputed program

Registered vs. imputed program matrix

Horizontal variable

Indicator

Data quality

Update database

Select an Excel or CSV file. The application validates its structure before activation.

Applicant file

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Variable coverage

Validation alerts

Download applicants

Download the complete active database. Individual applicants are not displayed in the interface.

Download all applicants (CSV)

New applications by month

COMPARATIVE ANALYSIS

Huursubsidie vs. Mi Kas Awor

Fiscal cost, cumulative coverage and household payment

1984–1985 / MKA Comparable scenarios

Global assumptions

Annual budget (XCG)

Analysis horizon

Maintenance cost

Annual maintenance per household

Annual income deductions

Budget allocation (100%; automatically normalized)

MKA 1 (%)

MKA 2 (%)

MKA 3 (%)

MKA 4 (%)

Shares are automatically normalized to 100%.

Housing values

MKA 1

MKA 2

MKA 3

MKA 4

Unique households · Huur

Unique households · MKA

MKA advantage

Horizon

Cumulative unique households

Download PNG Download data (CSV)

New entrants by program

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Result at the end of the horizon

Coverage at standard planning horizons

Huursubsidie counts government-owned homes constructed and maintained. MKA counts households supported to access a home; it does not mean that government builds the home.

Huursubsidie cumulative fiscal expenditure by component

The composition changes over time as the growing public housing stock requires recurring rental subsidies and maintenance.

MKA cumulative fiscal commitments by component

Monthly subsidy commitments include the complete approved subsidy duration for every household admitted by the optimizer, including payments scheduled after the planning horizon.

Program

Monthly household income

Housing value (XCG)

Total MKA cost

Total Huursubsidie fiscal cost

Break-even point

Monthly payment under Huurtabel

Cumulative fiscal cost per household

Download PNG Download data (CSV)

Annual fiscal cost per household

Download PNG Download data (CSV)

Amortization

Annual interest rate (%)

Loan term

Savings (% of home value)

Minimum payment

Monthly subsidy

Subsidy duration

Upfront subsidy

Refinance after subsidy

New annual interest rate (%)

Additional years beyond original term

Enter only the years to add to the original credit term. The app adds them to the contractual time remaining when the subsidy ends and re-amortizes the credit balance at the new rate.

Monthly household payment over time

Download PNG Download data (CSV)

Mi Kas Awor (MKA)

Subsidies

Monthly (guilders/month)

Upfront (one-time)

Customs exemption (one-time)

Monthly subsidy duration (years)

Budget allocation (100%; automatically normalized)

Operations constraint: minimum annual intake (years 1–15)

Save / load simulation

Annual budget

Results

Comparison of allocation modes

Total households by group + overall total

Households by intake year (years 1–15)

Budget distribution by MKA segment

Charts

Required budget driven by household targets

Total households by program

Required annual budget

Upfront subsidy + customs by year

Monthly subsidy by year

Housing values and credit assumptions

Refinancing after the monthly subsidy

Scenario with subsidies

Monthly amortization detail

Beneficiaries

Global filters

Housing simulator

Registered program

Program imputed by income

Demographic profile

Points distribution

Savings-range distribution

Gap to the savings target

Households meeting the savings target

Age distribution

Marital status

Age by imputed program

Income source

Median income by gender

Median savings by income source

Registered program

Imputed program

Registered vs. imputed program matrix

Data quality

Update database

Variable coverage

Validation alerts

Download applicants

New applications by month

Huursubsidie vs. Mi Kas Awor

Global assumptions

Budget allocation (100%; automatically normalized)

Housing values

Cumulative unique households

New entrants by program

Result at the end of the horizon

Coverage at standard planning horizons

Huursubsidie cumulative fiscal expenditure by component

MKA cumulative fiscal commitments by component

Cumulative fiscal cost per household

Annual fiscal cost per household

Monthly household payment over time

Loan indicators