In 1996, the Individual-based Lending Program had been originated in Jerusalem. The program seeks to enable families of limited and low income and those of whom own a plot of land and are incapable of individually funding the construction of an appropriate housing unit. In 2000, the scope of disbursing individual-based loans had been expanded to provide loans for the purposes of maintaining, improving and rehabilitating houses.
This program targeted limited income individuals from Jerusalem. Moreover, they have benefited from those loans in which their worth is at the amount of 150,000 USD per loan, by adopting a long-term payment mechanism up to 15 years, offering a one-year grace period.
The sum total of the constructions, improvements, maintenance and rehabilitation loans in Jerusalem was (1802) with a total value of (81.4) million USD.