Central Government Organization
for Housing
1. Housing Urban Development
Corporation (HUDCO)
The was
started in the year 1970. In the middle of 1971 it was functioning. The primary
aim of HUDCO is Housing, development, improvement and urban development. It
acts as an apex body [forum] to decide the fund, investment
required
for satisfying the primary aim. HUDCO introduced new schemes for development of
the investment. They are as follows
Document
shares
Compound
interest income scheme
Money
doubling scheme in 60 months
Monthly
income scheme
The funds
generated by above methods are used for various HUDCO schemes. Housing
agencies, municipalities, public concerns, private agencies which are not
coming under the director control of government utilizes the HUDCO funds.
HUDCO
scheme benefits many towns and villages as per 1995 and 1996 census.
HUDCO
spent rupees 9043 crores for 10556 schemes of workers. They
charged
6-13.55 interest for its loan based on the method for distributing the loan on
the agency.
Another
primary aim of HUDCO is financing for an agency supping the construction
materials.
HUDCO gives
technical guidance and advices for different agencies. It also implement low
cost housing schemes, shopping complex, township and urban development schemes,
construction of road, water supply and drainage are also given primary
importance by hudco.
Some of
the schemes introduced by HUDCO are as follows:
House
Rural
housing Land requisition
Construction
of community welfare centre Technical improvement
Improvement
of environment conditions of slums or slum areas Basic health or hygienic
conditions
Staff
housing development
Improvement
of affected people
Housing
for poor people in particular people in hills / tribes
HUDCO divides the people into
four categories
Economically
Weaker Section [EWS] Low Income Group [LIG]
Middle
Income Group [MIG] High Income Group [HIG]
The
amount of loan granted, repayment period, interest rates for the above
categories HUDCO allocate the find as follows
EWS - 30%
LIG - 25% MIG - 25% HIG - 20%
2. Housing Development Finance Corporation [HDFC]
This was
started in the year 1976 and run by financial assists of the government HDFC
develops housing schemes from the fund collected through the public. It
generates the fund by equity shares, insurance premium, and bank loan as per
the approval of reserve bank.
It grants
the loans for purchasing an immovable property [land and building] and selling
it. For shopping complex and commercial centers also bank loans are granted.
It
formulates easy installment and repayment schemes to collect more money for
house loans. It suggests guidance and advice for selecting a site and
purchasing a flat. HDFC also introduced new housing schemes for their
employees. It has several banks and collection centre.
3. Life Insurance Corporation [LIC]
LIC
provides financial assistance for housing. LIC started a housing finance in the
name 'LIC House Finance Limited' in the year 1989. These functions with 67
branches and
35% of
market share.
It has
spent 5500 crores for 30 lakh houses. It simplifies the method of getting a
house. It grants loans for the LIC policy holders to construct a new house, for
extension of a house, for repairing a house and from purchasing a flat or built
- up house or apartment.
4. National Housing and Habitat Policy [NHHP]
In the
year 1998, on the eve of the 12th Lok Sabha elections, the BJP and
its Alliance partners brought out a 'National Agenda for Governance' for
ushering in a dynamic economic growth to bring in quality life for mases. This
agenda included issues like Governance, Eradication of Unemployment, Housing
for All etc.
Aim of
NHHP is to provide 'Housing for All', especially benefiting the deprived and
the poor.
Tamilnadu municipality byelaws
and building rules (1972)
1. Permission
b. For the construction,
reconstruction, addition or alteration of a building the permission will not be
granted if the clearance between the building and the aerial lines is less
than.
1.5m for
low tension and
1.75 m for
high tension lines
measured horizontally incase
of
accessible portions of the buildings
1.25m for low and high tension lines measured horizontally incase of inaccessible
portions
of the buildings.
2.5m for portions of the buildings not accessible to the portions measured
vertically.
2. Space of buildings
Where the
street at anyplace
is less than
3.75m in width,
the building should not be
built
within 2m from the center point of the street.
No other
structure than the steps, fence is permitted in the space between the building
and edge of the street.
The doors
and window shutters
should not open
Outward Street where the
street is
3.75m or
more width and the buildings is built along with edge of the street.
3. Dimensions of rooms
A height
of an average is not less than 2.75 m and 2.1m at any point measured from top
surface of the floor to the underside of the roof.
A clear
superficial area is not less than 7.5m2
A width
is not less than 2.5m
Bathroom
area is 1.8m2 (1.52 x 1.2m)
The water
closet or toilet shall be 1 m2 (1.2 x 0.9m)
The bath
cum water closet shall be 2.7m2 (1.82 x 1.52m)
4. Ventilation of buildings
Every
room intended or used for human habitation (human activites) should have
windows and ventilators
The area
of ventilation should not be less than 1/8 floor area or carpet area
Every
domestic building constructed for human habitation should have at least one
side abutting for a length of not less than 2.5m on an open space either
internal/external. Such open space shall not be less than 1.75m in width.
Every
open space either internal or external should open to sky no construction is
allowed in the open space area.
For bath
and toilets the area of windows or ventilator should not be less than
0.5sqm.
1 sqm =
10.75 sq.ft
0.5 sqm =
5.38 sq.ft [3' x 2' = 6 sq.ft]
5. Minimum width
The
doorways, windows or passage should have a minimum width of 1m. The door of kitchen,
bath and toilet should not be less than 0.6m clear width.
6. Chimneys
Chimneys,
flush and sanitary appliances or convenience are to be provided properly in the
building.
7. Staircase
a. Width of the stair
The clear
width of the stair excluding hand rail shall not be less 500 mm.
b. Head room [Height from floor
to roof]
The
headroom should be at least 2.1m measured perpendicular from the nosing
(projection on step)
c. Tread and Riser
The riser
shall not be more than 175mm and the tread shall not be less than
250 mm.
the sum of two risers and the tread shall not be less than 600mm and not more
than 625mm. in one flight should be not be any variation in rise / tread. No
stairs should be permitted to cut across a window.
d. Landing
The height
between the landings shall not be more than 3.75 m
e. Rails
The
handrails shall be placed at the height not less than 750mm and not than 1000mm
above the projection of step.
f. Ventilation
The
passage giving access to the staircase width shall not be less than the stair
width. In the passage gives access to more than 1 stair its minimum width shall
be equal to the width of the stair +1.5 of total width of the remaining stair
width.
g. Passage
Passage
width should not be less than stair width. If the passage gives access to the
more one stair. Its minimum width shall be equal to width of the stair. The
State and Central government building are exempted from these rules.
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