Based on international assessments, Vanuatu ranks as one of the most vulnerable countries around the world prone to natural disasters annually, ranging from volcanic eruptions and earthquakes to flash landslides and from tropical cyclones to severe tidal waves.

The ever-changing forces of climate change, escalating annually, will continue to place the Vanuatu population at very high risk especially with the aftermath consequences of these disasters.
Finding a suitable place to live after a natural disaster can be a major cause of stress for everyone. It isn’t easy living somewhere that’s unstable or unsuitable.
To address the vulnerability of the population during natural disasters, the National Bank of Vanuatu limited realised this neglected need for the rural population, and together with a leading consultant “Qualao Consulting” designed 6 types of houses to reflect its social obligation to the country.

These designs are owned by the National Bank of Vanuatu for the people of Vanuatu. Each IsiHaos type is inclusive of a 3,000-litre fibreglass water tank, an underground water well and a solar power system.

IsiHaos is:

• a living proof of our mission statement.
• contributes to the economic growth of Vanuatu.
• the leading way for the rural to access banking services.
• an affordable lending product.
• in line with the Government’s priority and policy.

IsiHaos is unique in the Pacific, especially in Vanuatu. It is environmentally friendly and best suits Ni-Vanuatu rural family housing needs.

It can be built in any rural area in Vanuatu and does not necessarily require a mortgage as security for the loan. Root crops, cattle, poultry farms and Kava are some of the collateral pledged by a customer when applying for an IsiHaus loan.