Housing for All by 2022

Housing for All by 2022 scheme launched by the government of India is the government mission for providing housing facilities for urban areas consisting of 4041 statutory towns with initial focus on 500 Class I cities. The scheme aims at covering the all urban areas of India where housing facility is either is missing or deficient. The scheme is being implemented in three phases. The scheme was started in 2015 and has been planned to be completed in three phases. Phase-I would cover 100 cities during the time duration from April 2015 till March 2017 in making available the provision of housing for all. The next phase Phase–II would cover the 200 cities during April 2017 – March 2019 and the final phase-Phase-III targeting additional 200 Cities would cover all other remaining Cities. But the list of cities covered under the scheme does not end here as inclusion of additional cities may be considered by the Ministry of Housing & Urban Poverty Alleviation if there is demand from States and cities to include them. The scheme targets specific groups which includes women irrespective religion or caste, economically weaker sections, scheduled castes and scheduled tribes. The scheme has been launched in mission mode and has four components viz., slum rehabilitation of slum dwellers with participation of private developers using land as a resource; promotion of affordable housing for weaker section through credit linked subsidy; affordable housing in partnership with public & private sectors and subsidy for beneficiary-led individual house construction or enhancement.


Salient Features of Housing for All by 2022 Scheme

  • This mission aims to create 30 million houses by 2022 for economically weaker sections.
  • The mission was launched on PM Modi’s direction of Har Parivar Ko Ghar (a house for every family).
  • The mission crafted through public-private-partnership model with interest subsidy and increased flow of resources towards housing sector.
  • It aims at social inclusion also to create slum free cities across the country by focusing on in-situ development of slums through vertical construction.
  • Investment of about Rs. 50 lakh crore is expected for various initiatives while building houses for all.
  • Banks will have provision of tax incentives on interest rate for the loans taken by the poor section.
  • The scheme will be implemented as a Centrally Sponsored Scheme except the credit linked subsidy component, which will be implemented as a Central Sector Scheme.
  • The scheme will cover the entire urban area consisting of 4041 statutory towns with initial focus on 500 Class I cities and it will be implemented in three phases.
  • Central grant of Rs. 1 lakh per house, on an average, will be available under the slum rehabilitation programme.

Central grant of Rs. 1 lakh per house can be made available to the beneficiary under the slum rehabilitation programme. Any state government would adopt a flexible attitude in providing this slum rehabilitation grant to any slum rehabilitation project undertaken for development using land as a resource for providing houses to slum dwellers. Credit linked subsidy component of the scheme would be implemented across the country in all statutory towns from the very beginning. Under this category the government would provide an interest subsidy of 6.5% on housing loans availed of by the beneficiaries particularly economically weaker sections and lower income groups for a period of 15 years from the start of a loan. Central grant at the rate of Rs. 1.5 lakh per house for economically weaker sections would be made available under the Affordable Housing in Partnership and Beneficiary-led individual house construction or enhancement. The subsidy pay-out on Net Present Value (NPV) basis is Rs. 2.3 lakh per house for both the above mentioned categories. State government or Housing Boards can take the Central Government grant by undertaking project of affordable housing. The housing project must be carried through an eco-friendly technology. The scheme is being termed as pro women oriented as the preference in allotting the house would be given to female applicant. In general, the government has made it clear that the female member of the household or family would   preferably be provided the ownership of the house. As per government plan while allotting the ground floor in any housing scheme preference should be given to differently-abled and older persons.

A Technology Submission under Housing for all scheme  has been set up  to facilitate adoption of modern, innovative and green technologies for quality construction of houses thereby  facilitating  preparation and adoption of layout designs and building plans. The Technology Submission would mainly focus on the aspects of : (i) Design & Planning
(ii) Innovative technologies & materials (iii) Green buildings using natural resources and
(iv) Earthquake and other disaster resistant technologies and designs.

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