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Criticism
Although Habitat enjoys high name recognition and regard as a non-profit, it has
also been the subject of criticism. Some observers have questioned the
cost-effectiveness of Habitat building projects, alleging that sale prices
rarely match the cost of construction.
Foreclosures on Habitat houses have been very low: 2%, according to official
figures. Most American Habitat affiliates perform credit and police checks on
applicants before partnering with them for the construction of a home, and
families are required to show an ability to pay for their home in addition to
the need for housing. With these requirements, homeless and very low income
families may fail to qualify for a Habitat home, causing some critics to allege
that Habitat misrepresents the nature of its work by partnering with families
that might be considered closer to "middle income." However, many Habitat
affiliates partner only with families that fall below the government-set
"poverty line" for their area. All families must have a stable income and be in
need.
Habitat houses are not handouts so there are some credit and income requirements
to help assure that Habitat applicants are able to maintain the purpose of the
house. The homeowners' monthly mortgage payments are used to build more Habitat
homes.
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