The Kerala Housing Board has been instrumental in addressing the housing needs of the populace. Read on to understand the working of the Kerala Housing Board, its objectives, eligibility criteria, application process, benefits, and the primary aims and functions it serves.
Objectives of Kerala Housing Board
The primary objective of the Kerala Housing Board is to facilitate the provision of housing for the economically weaker sections of society. By undertaking various housing projects, the Board aims to ensure that every individual has access to decent and affordable housing, thereby improving their quality of life. Additionally, the Board endeavours to promote sustainable and inclusive urban development across the state.
Eligibility criteria
The eligibility criteria for Kerala Housing Board schemes typically include:
- Income level: Applicants must fall within specified income categories, such as Economically Weaker Sections (EWS), low-income groups (LIG), or middle-income groups (MIG).
- Residency status: Applicants must be residents of Kerala and provide proof of residency.
- Family size: Priority may be given to larger families or those with dependants.
- Priority categories: Certain groups, like widows, differently abled individuals, or scheduled caste/scheduled tribe communities, may receive priority.
- Land ownership: Applicants usually cannot own other property or land.
- Creditworthiness: Some schemes may require applicants to demonstrate their ability to repay loans if financing is involved.
It is crucial for applicants to review specific eligibility requirements for each scheme and provide accurate documentation during the application process.
Documents required
The documents required for applying to Kerala Housing Board schemes typically include:
- Proof of identity: Such as an Aadhar card, passport, voter ID, or any other government-issued photo identification.
- Proof of residence: Documents like ration card, electricity bill, or domicile certificate to establish residency in Kerala.
- Income certificate: To verify income level and eligibility for specific income categories (EWS, LIG, MIG).
- Family details: Including details of family members and dependents, often supported by documents like birth certificates or family ration cards.
- Bank statements: Providing recent bank statements may be required to assess financial stability and creditworthiness.
- Land ownership documents: Applicants may need to declare their land or property ownership status to qualify for certain schemes.
- Caste or category certificate: If applicable, documents verifying caste or category status for priority consideration.
- Other relevant certificates: Such as disability certificates for differently abled applicants or certificates for ex-servicemen, if applicable.
Applicants should ensure that all documents are accurate, up-to-date, and provided as per the specific requirements outlined by the Kerala Housing Board for the scheme they are applying for.
How to apply for the Kerala Housing Board scheme
The application process for Kerala Housing Board schemes typically involves submitting an application form along with the requisite documents to the designated authorities. Interested individuals can obtain application forms from the Housing Board office or through online portals. Upon submission, applications are reviewed, and eligible candidates are selected through a transparent process. Here is the general process to apply for a Kerala Housing Board Scheme:
- Research: Understand the eligibility and benefits of available schemes.
- Check eligibility: Ensure you meet the scheme's criteria.
- Gather documents: Collect required documents, including proof of identity, residence, and income.
- Obtain form: Get the application form from the Housing Board office or website.
- Fill & attach: Complete the form, attach documents, and submit it.
- Pay fees: If needed, pay application or processing fees.
- Follow-up: Stay updated on your application status and respond to any queries.
- Attend selection (if applicable): Participate in any selection processes required.
- Receive allotment: Upon approval, you will receive allotment and further instructions.
- Complete formalities: Fulfil any remaining formalities for possession.
Kerala Housing Board benefits
The Kerala Housing Board offers several benefits to individuals and families across the state:
- Affordable housing: One of the primary benefits of the Kerala Housing Board is its provision of affordable housing solutions to various income groups, including economically weaker sections, low-income groups, and middle-income groups.
- Improved living standards: By providing access to decent housing units, the Housing Board contributes to improving the living standards of beneficiaries. Access to adequate housing promotes better health, hygiene, and overall well-being for individuals and families.
- Inclusive development: The Housing Board's initiatives foster inclusive development by catering to the housing needs of marginalised communities and disadvantaged groups. Priority is often given to vulnerable populations such as widows, differently abled individuals, and scheduled caste/scheduled tribe communities.
- Infrastructure and amenities: Housing projects undertaken by the Kerala Housing Board often include the development of essential infrastructure and amenities such as roads, water supply, sanitation facilities, and community spaces.
- Security and stability: Owning a home through Kerala Housing Board schemes provides beneficiaries with a sense of security and stability. It offers protection against the uncertainties of rental housing and provides a long-term asset for families to build upon.
- Environmental sustainability: In line with sustainable development goals, the Housing Board emphasises environmentally friendly construction practices and promotes the use of eco-friendly materials in housing projects.
What is the aim of the Kerala Housing Board
The overarching aims of the Housing Board revolve around addressing the housing needs of the population, fostering social inclusion, and promoting sustainable urban development. By providing affordable housing solutions, the Board aims to uplift marginalised communities, reduce homelessness, and enhance the overall standard of living across the state.
Functions of Kerala Housing Board
The Kerala Housing Board serves several key functions:
- Identification of land: Identifying suitable land for housing projects is a primary function of the Kerala Housing Board. This involves assessing land availability, suitability, and legal aspects for the development of residential complexes.
- Planning and design: The Housing Board is responsible for planning and designing housing projects to meet the diverse needs of the population. This includes determining the layout, size, and specifications of housing units, as well as incorporating amenities and infrastructure.
- Implementation of housing schemes: The Board executes housing schemes from conception to completion. This involves securing necessary approvals, mobilising resources, and overseeing construction activities to ensure timely and quality delivery of housing units.
- Financial assistance: Providing financial assistance to eligible beneficiaries is another function of the Kerala Housing Board. This may include subsidies, housing loan, or grants to facilitate access to affordable housing for economically weaker sections and other eligible groups.
- Collaboration and partnership: The Housing Board collaborates with various stakeholders, including government agencies, financial institutions, NGOs, and private developers, to leverage resources and expertise for effective implementation of housing projects.
- Monitoring and evaluation: The Board monitors the progress of housing projects and evaluates their impact on beneficiaries and communities. This helps in identifying challenges, assessing effectiveness, and making necessary adjustments for continuous improvement.
- Promotion of sustainable practices: Promoting sustainable construction practices and eco-friendly technologies is a key function of the Kerala Housing Board. This includes incorporating green building principles, energy-efficiency measures, and waste management strategies into housing projects.
- Capacity building and awareness: The Board conducts capacity-building programs and awareness campaigns to empower communities and stakeholders in the housing sector. This may include training programs on housing finance, construction techniques, and maintenance practices.
- Legal and regulatory compliance: ensuring compliance with relevant laws, regulations, and building codes is essential for the Housing Board. This includes obtaining necessary clearances, adhering to zoning regulations, and maintaining transparency in all dealings.
- Addressing housing needs: Ultimately, the overarching function of the Kerala Housing Board is to address the housing needs of the population, especially the economically disadvantaged sections, and contribute to the overall social and economic development of the state.
