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[Virtual Presenter] Ladies and Gentlemen, today I am proud to present the group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk who are re-modeling the Home Ownership Loan in order to promote sustainable practices and positively impact the lives of the middle-class Bhutanese. This loan re-modeling enables an improved and more efficient provision of long-term financing which can benefit sustainable practices such as renewable energy, energy efficiency, and green building. With these changes, the Loan has the potential to make a massive difference to the lives of the middle-class Bhutanese and promote a more sustainable economy..

[Audio] We are examining the project of a group of people- Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk- to reform Home Ownership Loan in order to support sustainable practices. This is significant because only 19% of Urban Bhutanese currently own their homes, while the rest rent. Home ownership is a significant financial decision that can have lasting effects on individuals and their families. Thanks to higher salaries, many Bhutanese now have more disposable income, so they could be able to buy a home. We should collaborate to create tactics to aid those people wanting to have a home, so they can gain from the stability and security which it brings..

[Audio] The Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk group have been re-modeling the Home Ownership Loan as a means to promote sustainable practices and to positively impact the lives of middle class Bhutanese. This chart reveals the number of families in Bhutan who are benefiting from the loan. Thimphu has the highest number of people being positively impacted, at 17,820, with Chhukha in second place with 689. The other districts including Dagana, Haa, Lhuentse, Paro, Punakha, Samdrup Jongkhar, Sarpang, Trashigang, Trashi Yangste, Trongsa, Tsirang, Wangdue Phodrang, and Zhemgang all have fewer than 600 people being aided by the loan. This data provides us with a better understanding of the loan's effects on Bhutanese families..

[Audio] Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk are re-modeling Home Ownership Loan to promote sustainable practices and have a positive impact on the lives of middle class Bhutanese. This chart illustrates the number of members in Rural Financial Cooperatives both in Bhutan and abroad. By analyzing these figures, we can start to get an idea of how the re-modeling of Home Ownership Loan will influence different areas of the country. It is a crucial step in comprehending how sustainable practices can be implemented efficiently and how it will benefit middle class Bhutanese..

[Audio] The group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk are striving to remodel Home Ownership Loan for the purpose of encouraging sustainable practices and having an affirmative influence on the lives of middle class Bhutanese. A chart is provided which illustrates the collected data from twelve dzongkhags, or districts, in Bhutan. The numbers displayed show the results from the surveys of the people, and reflect the success of their efforts in producing positive outcomes..

[Audio] This group of six - Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo and Tandin Wangchuk - are striving to revolutionise home ownership loans in Bhutan to better serve the middle class. Through sustainable practices, the aim is to increase the number of people able to benefit from the Housing/Member Home Loan, while securing the same rate of return as from other investments. Beyond assisting recipients of the loan, the team are also committed to providing social justice by expanding access to rental apartments to the 98% currently discluded..

[Audio] The group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo and Tandin Wangchuk are working on re-modeling Home Ownership Loan to support sustainable practices and create a positive outcome for the lives of middle class Bhutanese. This project is particularly crucial for the elderly population, whose homes are often not suitable for their physical needs. Age can cause Arthritis, joint weaknesses and physical impediments which require structural modifications to the home. By introducing Home Ownership Loan, the project hopes to change how loan resources are allocated and enhance access to financing for those in need. This could substantially improve general health and the quality of life for the elderly..

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[Audio] The proposed house for Home Ownership Loan offered by the group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk is a 3BHK flat on 10 decimal land with a cost of 3.5 million Nu. The floor plan covers an area of 1320 sq. ft and features a modular kitchen. It also offers its occupants with an own courtyard and garden, as well as a spacious parking..

[Audio] The group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk are aiming to provide a great service to the Bhutanese middle-class by renovating the Home Ownership Loan to promote sustainability. This loan offers numerous advantages: not only does it cost less than the market, but it also provides its customers with reliable services and loan facilities. Therefore, if you are looking for the best deal for purchasing your house, this is certainly the best way to go!.

[Audio] The re-modeling of Home Ownership Loan offers numerous advantages to the Non-Profit Profit Foundation - a stable and dependable income at a competitive rate, with minimal risk. Such an initiative has the capability to significantly improve the lives of Bhutanese people, by offering a viable option to purchase a home at an affordable price..

[Audio] The group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk are dedicated to helping middle class Bhutanese achieve their dream of home ownership. They are re-modeling the Home Ownership Loan to provide greater financial stability and security to people who couldn't otherwise purchase a home. Through this loan, people can invest in a home loan that offers competitive returns and allow them to save for the future. With this initiative, they are making it easier for the middle class to achieve a stable life and provide security for their future..

[Audio] The group of Gawa Tashi Tshering, Dorji Hem Raj, Sonam Jamtsho, Tshering Choden, Sangay Wangmo, and Tandin Wangchuk are working hard to re-model the Home Ownership Loan system with a goal to promote sustainable practices and positively impact the lives of middle class Bhutanese. Such an admirable effort is guaranteed to ensure the financial well-being of Bhutanese citizens and help them achieve their goals. It is therefore important to come together and support such initiatives. Urging all to join in this effort and lend support..