Housing Subsidy Scheme (GBOCWWB)

Description
The “Housing Subsidy Scheme” is implemented by the Gujarat Building and Other Construction Worker’s Welfare Board GBOCWWB , Labour, Skill Development & Employment Department, Government of Gujarat. The main objective of this scheme is to provide financial assistance to construction workers registered with the Gujarat Building and Other Construction Worker’s Welfare Board to build their own houses. In order to provide financial relief to the construction workers by giving subsidies for the houses purchased by them and to provide social stability to the construction workers, the "Housing Subsidy" schemewasn started in the year 2021-22. It is planned to provide financial relief and social stability to construction workers through providing subsidies.

Benefits
• Under the scheme, the assistance of ₹1,50,000/- will be provided to registered construction workers for a duration of 5 years, with ₹30,000/- disbursed annually subject to the terms of assistance.
• The construction workers who have taken a loan up to a maximum of ₹15 lakhs to buy their house will be provided ₹30,000/- per year for the five years as per plan.

Eligibility Criteria
1. The construction workers registered with the Gujarat Building and Other Construction Worker’s Welfare Board will be eligible to get the benefit of this scheme.
2. At the time of applying for the benefits of this scheme, it will be mandatory to have at least the last 2 years of registration with the construction worker's board.
3. To avail the benefit of this scheme the construction worker should have documented the building after the date of resolution of the scheme (29/06/2020). The application has to be made within one year from the date of the document mentioned in the house purchase document.
4. The loan taken for a house purchased by a registered construction worker should not exceed ₹15 lakhs and the loan tenure should be 10 years or more.
5. The registered construction worker benefiting from this scheme should not own any house or property in the joint name of the worker or his wife or joint, which guarantee has to be given by the worker in an affidavit as per the prescribed format herein.
6. The registered construction worker has to submit the bank loan interest certificate/bank loan statement after the completion of the financial year to avail the assistance under the Housing Subsidy Scheme.
7. The registered construction worker receiving benefits under this scheme has to submit a written proposal every year at the district office of the concerned board to get the remaining four years of assistance after receiving the assistance for the first time along with a copy of the in-principle approval letter and the annual statement of interest.

Required Documents
• Photograph of the worker
• Aadhaar Card
• Ration Card
• Caste Category certificate, if applicable
• Proof of age (Birth certificate/Driving Licence/PAN Card/Voter ID Card)
• Self-declaration certificate
• Employer Certificate
• Bank Passbook/cancelled Cheque
• Any other documents as required
• e-Nirman Card of the worker
• Copy of Identity Card (Red Book) regarding enrollment in the Board
• Copy of Aadhaar Card
• Copy of building document
• Proof of taking a loan (loan sanction letter)
• Annual Loan Statement/Annual Interest Certificate
• Copy of Housing Loan Passbook/ Statement
• Any other documents as required

Frequently Asked Questions
Q: What is the Gujarat Housing Subsidy Scheme?
A: The Gujarat Housing Subsidy Scheme is a program initiated by the Gujarat Building and Other Construction Worker's Welfare Board (GBOCWWB) to provide financial assistance to registered construction workers for building their own houses.

Q: What are the benefits provided under the scheme?
A: Registered construction workers can receive an assistance of [?]1,50,000/- over a duration of 5 years, with [?]30,000/- disbursed annually, subject to the terms of assistance.

Q: Who is eligible to benefit from the scheme?
A: Construction workers registered with the Gujarat Building and Other Construction Worker's Welfare Board are eligible to avail the benefits of the scheme.

Q: What is the minimum registration period required to apply for the scheme?
A: Applicants must have a minimum of 2 years of registration with the construction worker's board at the time of applying for scheme benefits.

Q: What is the deadline for applying for benefits under the scheme?
A: The application must be made within one year from the date of the document mentioned in the house purchase document, provided it's after the scheme's resolution date of 29/06/2020.

Q: Is there a limit on the loan amount for house purchase to be eligible for the subsidy?
A: Yes, the maximum loan amount for house purchase should not exceed [?]15 lakh, and the loan tenure should be 10 years or more.

Q: Can a registered construction worker already owning a house avail of the scheme benefits?
A: No, registered construction workers who already own a house or property in joint ownership are not eligible for the scheme benefits.

Q: Is there a requirement to renew the application annually?
A: Yes, registered construction workers receiving benefits under the scheme need to submit a written proposal annually at the district office of the concerned board.

Q: How to apply under the scheme?
A: The applicant may visit the Sanman Portal: https://sanman.gujarat.gov.in/

Q: Can an an applicant also apply through offline mode?
A: Yes, for availing of the benefits of the scheme, the applicant may visit the district office of the BOCW Board.