housing co-operatives.pptx
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HOUSING CO-OPERATIVES
IN INDIA
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INTRODUCTION
Co-operatives in India were introduced by the Britishprimarily to aid small-scale farmers and to improve
access to rural credit. The first Co-operative Societies
Act was adopted in 1904, which then only included
credit co-operatives. The act was soon amended to
grant the registration at the State level of non-credit
co-operatives, including housing and its administration,
allowing them to adapt the legislation to prioritize local
needs, in the years 1912 and 1919 respectively.
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WHAT IS A HOUSING CO-OPERATIVE?
Housing cooperative has been defined as: "A legally
incorporated group of persons, generally of limited means,
pursuing the same cause of meeting the common need of
housing or its improvement based on mutual assistance. In
such a cooperative, the membership is voluntary and control is
democratic, and members make an approximately equal
contribution to the capital required".
First five year plan document states we lay emphasis on co-
operative housing societies. Not only because they can open
the way for aided self-help in construction of houses which
should be encouraged for reducing the cost as much as
possible
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WHY CO-OPERATIVE HOUSING?
Housing is a social imperative, irrespective of income or status
and therefore it cannot be left to the mercy of the profit
nongearing agents and businessmen. In this context
co-operative venture in housing attains importance.
co-operative housing societies are acknowledged as the bestsuited organisational-, set up for achieving better housing for
the people.
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VALUES AND PRINCIPLES OF CO-OPERATIVES?
The following principles are the guidelines under which
cooperatives put their values into practice:
Voluntary and Open Membership.
Democratic Member Control.
Member Economic Participation.
Autonomy and Independence. Education, Training and Information.
Co-operation among Cooperatives.
Concern for Community.
THREE TIER STRUCTURE OF HOUSING CO-
OPERATIVES
1. National co-operative housing federation.
2. Apex society in the states at middle level.-
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OBJECTIVES OF HOUSING CO-OPERATIVES
To promote house building activities.
To finance activity of its member to take up housingactivities.
To promote house building activities both in urban &
rural areas.
To implement the central housing programmes forMIG,LIG and
EWS group of peoples.
To mobilize the necessary capital require to promote
housing activities.
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SOURCES OF FUNDS
1. Share Capital of member.
2. Loans from financial institutions.
3. Issue of Debentures.
4. Share of government.
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ADVANTAGES OF HOUSING CO-OPERATIVES
Substantial savings in the cost of construction.
Architectural planning can be done at large scale.
Building materials can be procure at large scale.
Full utilization of instrument orequipments.
Profits of middlemen can be eliminated.
Standardized design or planning of building.
Training could be arranged.
DIS ADVANTAGES OF HOUSING CO OPERATIVES
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DIS-ADVANTAGES OF HOUSING CO-OPERATIVES
Housing in India confronting difficulties in purchasing
and Preparing layouts and take up housing activities at
grass.
Priorities only for its individual members of housing co-
operatives.
Largely concentrated in cities.
PHCs are attracting limited funds.
Problems of over dues.
Experiencing considerable loss.
POLICIES OF HOUSING CO OPERATIVES
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POLICIES OF HOUSING CO-OPERATIVES
1. Building activities need to extended in rural areas like in
urban areas.2. Guide supervisor and assist the housing co-operatives.
3. Land bank.
4. Enhance the scale of operation.
5. Government should make provision to assist housing co-operatives in Rural areas.
6. Earmark certain parcel of land for housing co-operatives.
7. Land acquisition cell.
8. Land may lease cum sale.9. Money deposited by
10.Pressurise to use local materials and adopt low cost
material and Prevent existence of corrupt practices.
JOB OPPORTUNITIES IN HOUSING COOPERATIVES
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JOB OPPORTUNITIES IN HOUSING COOPERATIVES
Organisational management and administration;
Planning, designing and construction of housing units;
Post construction management of services and
maintenance of houses and community assets;
Production, transport, storage and delivering of building
materials;
Real estate business related activities.
TYPES OF HOUSING CO OPERATIVES
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TYPES OF HOUSING CO-OPERATIVES:
Tenant Ownership Housing Societies: The land is held
either on leasehold or freehold by the societies; themembers own the houses, and are leaseholders of the
land. They must strictly comply with regulations
regarding subletting and transferring of houses but they
can build their houses according to their own needs and
taste. Tenant Co-Partnership Housing Societies: The societies
hold both land and building, either on leasehold or
freehold basis, and members have an occupancy right
upon paying an initial share and a monthly rent.
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CHARACTERISTICS OF INDIAN HOUSING
CO-OPERATIVES ARE:
Basic Amenities: They manage the basic amenities likewater, electricity, sanitation.
Education and Recreation: They build and manage
schools, libraries, parks, and gardens.
Health and Lifestyle: They can develop programs for the
benefits of their members such as health programs,
youth programs, collective transportation arrangements,and ecological improvement programs.
They are managed by paid/honorary staff and an
elected board of directors.
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REFERENCES:
www.nchfindia.net
Co-operative housing in India Naik. D.D. National
co-operative housing federation 1976.
Co-operative housing in India, K.L.Khurana AIHDA.
J4. 87/2
http://www.nchfindia.net/http://www.nchfindia.net/
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