Scheme For Non-Resident Indian
To cater to the long felt
need of Non-resident Indians, the KSHB has established an
NRI Cell and formulated a scheme exclusively for Nonresident
Indians. The KSHB allots house sites, gives technical
guidance, supervises construction etc. Houses are constructed
as per the plan accepted by the NRIs in sites acquired exclusively
for them. House with modern facilities with a tentative
cost of Rs.12 lakhs including land value is constructed
in each selected centre. Loan upto 60% of the cost
is given by the Board and the balance of 40% is the beneficiary’s
share. Apart from this, a certain percentage
has been reserved for the NRIs in the allotment of plot/plot
with building/flats in the Public Housing Schemes of the
Board. Housing schemes exclusively for NRIs at Kozhencheri,
Thrivikramangalam and Thrikkakkara Stage III are completed.
Construction of 50 units at Mulamkunnathukavu is completed
during 1998-99 and 50 units at Pattoor (reserved for NRIs
from Pattoor HS) has completed during 1999-2000. Forty flats
at Thrikkakkara and 12 flats at T.D.Road, Ernakulam are
completed during 2000-01.
Working Women's Hostel
The Board has decided to implement
working women’s hostel project in all important places
in the State for accommodating Working Women. At the
outset the proposal is to construct hostels at Idukki, Kottayam,
Thiruvananthapuram, Kozhikode, Ernakulam, Wayanad, Kannur
and Kasaragod. The construction work for Working Women’s
hostel at Idukki (Muttom, Thodupuzha) for accommodations
180 persons at a cost of 103.84 lakhs has been completed
and at Kottayam (Gandhinagar) accommodating 186 persons
at a cost of Rs.148.32 lakhs has completed during this financial
year. Construction of Working Women’s
Hostel, Kakkanad, Ernakulam is in progress. Steps are being
taken for constructing Working Women’s Hostel at Thrissur.
The work will be started soon. All the district collectors
have also been requested to identify suitable government
land in respective districts for the scheme.
This scheme is intended for the low income groups
at towns and cities, who do not own at least one cent of
land. Board proposes to give lands and loan for construction
houses for them under simple conditions and also to construct
housing schemes exclusively for them. The implementation
of this scheme is at its initial stage.
Housing Scheme For MLAs/MPs
Housing scheme exclusively for MLAs/MPs of the
State was formulated as per G.O. Dt.20.9.85. The scheme
is being implemented by the Board by availing loan from
HDFC. Under this scheme a Legislator or his spouse
is eligible to get loan for construction of a new
house, reconstruction/extension to the existing house or
purchase of an apartment a new ready built house at any
place at his choice. The maximum loan amount
is limited to Rs.3.00 lakhs. The loan amount is to
repaid in equated monthly installment in 15 years.
The rate of interest is 7%. Under this scheme 30 units
were completed during 1996-97 to 03/2002 and expenditure
incurred is Rs.94.3 lakhs.
Housing Schemes For Working
Under this Scheme (introduced on 24.07.78) houses are
constructed and allotted to the working journalists in the
State. A journalist who does not possesses a house
either in his name or in the name of his wife or dependent
children also has the option for constructing a house either
in the plot owned by him or in the plot allotted by the
Housing Board. As per G.O. Dt.17.06.83, Government
revised the scheme by granting loan assistance and subsidy
for the construction of houses in developed plots.
25% of the total cost of construction subject to a
maximum of Rs.20,000/- was subsidy component. Later
Government revised the subsidy to Rs.35,000/-and then Rs50000/-.
Under this Scheme subsidy was given to 104 cases from 1996-97
to July 2000. A special scheme for the working journalists
was also formulated and the construction of 54 units with
a project cost of Rs.316.18 lakhs is completed at NCC Road,
Trivandrum during 1999 – 2000.
Single Women Housing Scheme
The Board proposes to implement a special Housing Scheme
for the Single Women family where safe and affordable
accommodation will be provided for them. Action is
being taken for the identification of the land etc.
For the formulation of the project . The scheme will
be implemented in the coming years.
Housing Scheme For Veteran
The KSHB propose to implement a housing scheme having
50 dwelling units for Veteran Freedom Fighters at Kozhikode
in the land available in the Kozhikode Medical College Housing
Accommodation Scheme. The work will be started soon.
Sub-Urban Housing Complexes
The Kerala State Housing Board has decided to
implement a scheme named ”sub-urban housing complexes”.
The scheme is proposed to be implemented in sub urban areas
under the jurisdiction of Development Authorities in
the State. This scheme is proposed to be implemented
in every districts. The scheme will be implemented
in suitable government lands in suburban panchayaths or private land
purchased on negotiation. The scheme will be implemented
with the help of various financial agencies like HUDCO etc.
And it is decided to construct a minimum of 10 nos. of houses
in each such housing complexes. The implementation
of the scheme is at its initial stage.
In addition to the existing housing scheme for
N.R.Is Board has projected to build housing complexes having
10 houses each in suitable places at Thiruvananthapuram,
Kochi, Kozhikode, Nedumpassery, Kannur etc. Suitable
lands for this scheme are being identified by the Board.
scheme for central govt employees
A Central government Employee who owns at least
5 cents of land comes under this scheme. The loan
amounts are fixed at Rs. 1,12,400/-, Rs.1,79,350/- and Rs.2,69,570/-
according to the basic pay of the employee. The amount
has to be repaid in 228 monthly installments.
Cash Loan Scheme
Under HIG scheme maximum loan of Rs.1500000/-
is given for constructing a house of the cost of which
is Rs.15 lakhs. The annual income of the people
coming under this category should be above Rs.216001/-.
The rate of interest for loan upto 10 Lakhs is 15.5% and
above 10 Lakhs is 16% and the amount is to be repaid
in 108 monthly installments. During the year 1996-97 to
03/2002 sanctions were issued for 1502 and 1486 units
completed and Rs. 4605.1 lakhs was disbursed.