Central Government Departments


 

Housing Programmes of Housing and Urban Development Corporation Limited

1. URBAN HOUSING
2. RURAL HOUSING
3. COOPERATIVE HOUSING
4. CONSTRUCTION LOAN
5. STAFF RENTAL HOUSING
6. REPAIRS, RENEWALS & UPGRADATIONS
7. NIGHT SHELTER FOR PAVEMENT DWELLERS
8. WORKING WOMEN OWNERSHIP CONDOMINIUM
9. HOUSING SCHEMES THROUGH NGOs/CBOs
10. HOUSING THROUGH PRIVATE SECTOR
11. INDIVIDUAL HOUSING LOANS THROUGH “HUDCO NIWAS”

URBAN HOUSING

Loans for urban housing schemes are provided to housing boards, development authorities, city improvement trusts, municipal corporations, public sector undertakings, state govt. & other such organisations for the construction of houses/flats & development serviced plots including site & services, skeletal housing & core housing schemes. HUDCO encourages the development of serviced plots & part of loan to be given to general public for construction by themselves. These houses/flats/plots are made available to the general public or on outright sale by the agencies concerned depending upon actual demand.

RURAL HOUSING

Loans for rural schemes are given to the agencies nominated by the state governments for implementing rural housing projects. Such schemes include construction of houses on plots alloted by the state agencies to the landless labourers, harijans & other Scheduled Castes/Scheduled Tribes in the rural areas.

COOPERATIVE HOUSING

Cooperative housing is one aspect of the housing sector which has claimed a fair share of HUDCO assistance & support. HUDCO has earmarked certain percentage of its annual loan sanction for cooperative, which it is expected to progressively increase in the coming year.

Under such schemes, HUDCO lends money to the primary house building cooperative societies, state level housing finance societies & the housing boards for undertaking housing projects for members of cooperative societies according to norms available of Urban Housing Schemes.

CONSTRUCTION LOAN

Another aspect of shelter for which HUDCO provides financing is the construction of houses on owned plots. Beneficiaries who own plots are assisted in the construction of houses on them through loans provided to state government housing agencies.

STAFF RENTAL HOUSING

Loans under staff housing schemes are provided to corporate employers, both in the public & private sectors & to statutory bodies for the construction of houses for sale or on a hire-purchase basis for their employees. Besides these, employees covered by the Central Govt. Insurance Schemes, Local agencies, Employees Co-operative Societies etc. are also eligible for HUDCO loans . Further loans under this scheme are made available to non profit organisations at concessional rate of interest.

HOUSING THROUGH PRIVATE SECTOR

Private builders are eligible for project linked loan assistance from HUDCO for undertaking housing & commercial projects including land development & construction, for the benefit of the general public on excess land allowed to be retained by the Competent Authority in terms of Section 20 & 21 of the Urban Land (Ceiling & Regulation) Act 1976 & also on any other land. HUDCO finance upto 50% of the total estimated cost of the project including the cost land, land development & building construction including internal services, but excluding the capitalised interest on investment, supervision charges etc.

HOUSING SCHEMES THROUGH NGOs/CBOs

HUDCO provides loan assistance for house construction/upgradation of economically weaker sections, for schemes taken up through NGO’s on a pilot basis. Schemes proposal envisaging construction of houses or upgradation/repairs/additions to the existing houses for the benefit of the urban poor can be taken up with HUDCO’s financial assistance through NGO’s.

HUDCO would also consider to extend a line of credit to the NGO’s for the purpose of implementation of schemes mentioned above. In addition technical assistance can also be made available to NGO’s for organisational capacity building programmes for implementation of such schemes.

HUDCO also receive & consider application for loans for such schemes through Voluntary Agencies or Non-Governmental Organisations (NGO’s) who have the experience of undertaking integrated community development programmes for the minimum period of 3 to 5 years with actual loan recovery performance during the last 3 years of at least 75%. The NGO’s seeking HUDCO’s loan assistance should preferably have some experience in shelter sector programmes.

REPAIRS, RENEWALS & UPGRADATIONS

HUDCO financial assistance is available to housing boards, slum clearance boards, development authorities, improvement trusts, local bodies and any other agency authorised by state govt. for repairs & renewal mainly consisting of structural repairs to old & dilapidated building such as :

i. strengthening of the structures,
ii. replacement or repairs of roof,
iii. replacement or repairs of fittings i.e. Sanitary and Water Supply installation etc. and
iv. any other item necessary for maintaining the building in sound condition as per municipal byelaws & for provision of essential amenities to the residents.

WORKING WOMEN CONDOMINIUM

HUDCO few years back evolved a new concept the Working Women Ownership Condominium through which relief can be provided for single working women’s needs, with grant from the government.

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