Kerala Housing Board Scheme 2024: Apply Online, Last Date, Eligibility

The Kerala Housing Board is preparing to launch a new initiative, the Kerala Housing Board Scheme, aimed at providing affordable housing to the state’s most disadvantaged residents. Under this scheme, the Kerala government will offer homes built on plots of two cents to those in need, creating secure living conditions for low-income families. This project, called the Grihasree House Scheme, is supported by Non-Governmental Organizations (NGOs), volunteer groups, and other sponsors committed to its mission. Below, you'll find comprehensive details about the Kerala Housing Board Scheme, including its key highlights, objectives, benefits, eligibility requirements, necessary documents, application process, and more.

Kerala Housing Board Scheme 2024

The Kerala government frequently introduces new initiatives aimed at strengthening the state’s economy and advancing societal welfare. In line with these goals, the Kerala Housing Board was established, with its headquarters located in Thiruvananthapuram. The Board’s mission is to support economically disadvantaged individuals by offering housing loans. The Kerala State Housing Board plays a vital role in implementing the state government’s housing policies, with a focus on providing safe and affordable housing for everyone in Kerala. Through its programs and loan offerings, the Board has helped many families across the state fulfill their dream of owning a home.

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Kerala Grihashree Housing Scheme Details in Highlights

Kerala Housing Board Scheme Objectives

Here are the objectives of the Kerala Housing Board’s Grihashree Housing Scheme:

• Provide Funding for Housing: Offer financial assistance to homeless families to enable them to build their own homes.
• Affordable Housing for Low- and Middle-Income Families: Help low- and middle-income households access affordable housing options with reduced home loan interest rates.
• Easy Access to Housing Loans: Ensure that individuals looking to build homes in Kerala can easily access the necessary loan facilities.
• Accelerate Infrastructure Development: Facilitate the construction of modern urban infrastructure, ensuring access to roads, water, electricity, and other essential services.
• Development of Modern Cities: Focus on building modern cities equipped with a wide range of amenities to improve quality of life for residents.

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Benefits of the Kerala Housing Board Scheme 

Here are the key benefits of the Kerala Housing Board Scheme:

• Affordable Housing: Homes with a minimum area of 40 square meters are available at a subsidized cost of Rs. 4 lakh.
• Flexible Pricing: Housing costs under this scheme range from Rs. 4 lakh to Rs. 6 lakh, making it accessible for low-income families.
• Beneficiary Contribution: Beneficiaries are required to contribute Rs. 1 lakh, along with Rs. 1 lakh provided by the project sponsor, to meet the cost.
• Timely Completion: The scheme ensures that homes are completed within a year, ensuring quicker access to housing.
• Phased Allocation: Homes are allocated in four distinct phases, allowing a systematic rollout of housing units under the scheme.

Eligibility Criteria for Kerala Housing Board Scheme 

Here are the eligibility criteria for the Kerala Housing Board Scheme (Grihashree Housing Scheme):

• Permanent Residency: The applicant must be a permanent resident of Kerala.
• Property Ownership: The applicant must not own any other property to qualify for purchasing land or a house at a subsidized rate.
• Bank Account: The applicant must have an active bank account with a complete record of bank passbook transactions.
• Ration Card Requirement: Applicants in the Low-Income Group (LIG) or Middle-Income Group (MIG) must possess either an Above Poverty Line (APL) or Below Poverty Line (BPL) ration card to apply for subsidized loans and housing.
• Loan Repayment Terms: For those taking a loan under this scheme, the repayment period is between three and ten years, with monthly installments.
• Age Limit: The applicant must be at least 55 years old.

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Documents Required for Grihashree Housing Scheme 

Here is a list of the essential documents required for the Grihashree Housing Scheme:

• Identity Proof: Applicant's identity card (such as Aadhaar, Voter ID, or Passport)
• Address Proof: Document verifying the applicant's address (such as utility bills, Aadhaar, or voter ID)
• Income Proof: Annual income certificate of the applicant's family
• Ration Card: Ration card indicating the category (APL, BPL, etc.)
• Contact Information: Applicant’s mobile number for communication
• Salary Slip: Latest salary slip if the applicant is employed

Steps to Apply for Kerala Housing Board Scheme 

Here are the steps to apply for the Kerala Housing Board Scheme:

• Visit the Official Website: Go to the Kerala Housing Board Scheme's official website: https://kshb.kerala.gov.in/kshbsite/.
• Open the Homepage: The homepage of the website will be displayed.

• Access the Application Form: Click on the link for the "Grihasree Housing Project."
• Fill Out the Form: The application form will appear on the screen. Complete it by entering all the required details.
• Upload Documents: Attach all the necessary documents as specified.
• Submit the Form: Submit the completed application form to the concerned department for processing.

Summary of Kerala Housing Board Scheme 2024

The Kerala Housing Board Scheme, also known as the Grihashree Housing Scheme, aims to provide affordable housing for economically disadvantaged families in Kerala. The scheme offers homes built on plots of two cents, supported by the Kerala government, NGOs, and volunteers. It focuses on providing funding, affordable housing options, and easy access to loans for low- and middle-income families. The project also accelerates infrastructure development and aims to create modern cities with essential amenities.