Gujarat Housing Subsidy Scheme

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The Housing Subsidy Scheme, launched by the Gujarat Building and Other Construction Workers Welfare Board (GBOCWWB), aims to provide financial assistance to registered construction workers to help them purchase or construct their own homes. This scheme focuses on improving the social and economic stability of construction workers by subsidizing housing loan repayments.

Key Benefits

  1. Financial Assistance:
    • ₹1,50,000 is provided as a subsidy over five years, with ₹30,000 disbursed annually.
  2. Loan Support:
    • Eligible workers with housing loans of up to ₹15 lakhs and a tenure of 10+ years can benefit from the scheme.
  3. Social Stability:
    • Promotes social and economic security for construction workers by easing their financial burden.

Eligibility Criteria

  1. Registration:
    • The applicant must be a registered construction worker with GBOCWWB for a minimum of 2 years.
  2. House Purchase Date:
    • The house must have been purchased after June 29, 2020, as per the scheme resolution.
  3. Loan Amount:
    • The loan taken for the house must not exceed ₹15 lakhs.
  4. Ownership Clause:
    • Neither the worker nor their spouse/joint family members should own any other house or property.
  5. Application Timing:
    • Applications must be submitted within 1 year of purchasing the house.
  6. Annual Proposal:
    • Workers must submit a written proposal annually, along with loan interest certificates, to continue receiving assistance.

Application Process

Step 1: Register for an e-Nirman Card

  1. Visit the e-Nirman Portal.
  2. Click on “Please Register Here” under the login section.
  3. Fill out the registration form and submit the required information.
  4. Log in with your credentials and complete your profile.
  5. Select the Construction Works Form, upload mandatory documents, and submit the form.
  6. Save the application number for future reference.

Step 2: Apply for Housing Subsidy Scheme

  1. Visit the Sanman Portal.
  2. Register using your Aadhaar number and e-Nirman Card details.
  3. Log in and select Housing Subsidy Scheme.
  4. Fill out the application form, upload necessary documents, and submit the form.
  5. Note the confirmation email or application number for tracking purposes.

Step 3: Track Application Status

  1. Visit the e-Nirman Portal.
  2. Click on View Citizen Application Status.
  3. Enter your application number and date of birth to view the status.

Documents Required

For e-Nirman Card Registration:

  1. Recent passport-sized photograph.
  2. Aadhaar Card.
  3. Ration Card.
  4. Caste Certificate (if applicable).
  5. Proof of Age (Birth Certificate, PAN Card, etc.).
  6. Self-Declaration Certificate.
  7. Employer Certificate.
  8. Bank Passbook or Cancelled Cheque.

For Housing Subsidy Scheme:

  1. e-Nirman Card.
  2. Identity Card (Red Book) from the Board.
  3. Aadhaar Card.
  4. House purchase document.
  5. Loan sanction letter.
  6. Annual loan statement or interest certificate.
  7. Housing loan passbook/statement.
  8. Affidavit declaring non-ownership of any other property.

Post-Application Verification Process

  1. Initial Verification:
    • District offices verify and approve applications.
  2. Board Review:
    • Applications are reviewed by the State Project Manager and forwarded to the Government Labour Officer (GLO).
  3. Final Approval:
    • Applications are approved by the Member Secretary and payments are processed through demand drafts.

Frequently Asked Questions (FAQs)

Eligibility

  1. Who can apply for this scheme?
    Construction workers registered with GBOCWWB for at least 2 years.
  2. Can a worker owning another property apply?
    No, applicants or their family members must not own any other property.
  3. Is there a maximum loan amount for eligibility?
    Yes, the loan must not exceed ₹15 lakhs.
  4. What is the deadline for applying?
    Applications must be submitted within 1 year of the house purchase date.

Benefits

  1. What financial assistance is provided?
    ₹30,000 per year for 5 years, totaling ₹1,50,000.
  2. Is annual application renewal required?
    Yes, workers must submit a proposal and loan documents annually.

Application

  1. How can applications be submitted?
    Applications can be submitted online through the Sanman Portal or offline at district offices.
  2. Can rural workers apply?
    Yes, construction workers from both rural and urban areas are eligible.

Additional Resources

  1. e-Nirman Portal: Visit Here.
  2. Sanman Portal: Visit Here.
  3. Official Guidelines: Available at GBOCWWB offices or online.

This guide provides a detailed overview of the Gujarat Housing Subsidy Scheme, helping eligible construction workers access financial assistance for housing

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