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(From left) Assistant Director of Municipal Affairs Kevilenuo Solo, HUDCO AGM Kijun Jini, HUDCO RC Dr. S Deka at the State level workshop on CLSS under PMAY in Mokokchung on November 13.[/caption]
Our Correspondent
Mokokchung, Nov. 13 (EMN): A State level workshop on Credit Linked Subsidy Scheme (CLSS) under Pradhan Mantri Awas Yujana (PMAY)- Housing for All (Urban)- for bankers and schemes nodal officers was held at Hotel Metsuben’s conference hall on November 13.
The workshop was organised by Housing and Urban Development Corporation Ltd. (HUDCO), a government of India enterprises, in collaboration with Department of Municipal Affairs and Ministry of Housing and Urban Affairs under Central government.
The workshop was attended by bank representatives and government nodal officers from ten towns where the Assistant Director of Municipal Affairs, Kevilenuo Solo, HUDCO Additional General Manager Kijun Jini, and HUDCO RC Dr. S Deka were the resource persons.
The scheme was launched by Prime Minister Narendra Modi on June 25, 2015, with a vision to build 20 million houses by 2022. It is implemented through banks and financial institutions where HUDCO has been assigned as the central nodal agencies to channelise the subsidy to the lending institution and for monitoring the progress, said Jini while highlighting about the scheme.
The scheme aims to cover all the statutory towns as per census 2011 and towns notified subsequently, including planning area as notified with respect to statutory town, he said.
During the interactive session, the bankers said banks are doubtful to give loans to the beneficiaries because of the complicated land holding system in the State.
The bankers pointed out that bank cannot give away loans unless the lands are mortgage as collateral but added that it is possible for government servants whose salary can be deducted to repay the loan.
To this, the officials replied that the issued will be taken up with the higher authorities so that a solution can arrive at the earliest and the dream of having a pucca houses for the people can be realised.
The scheme is subdivided into Economically Weaker Section (EWS), Low Income Group (LIG), Middle Income Group I (MIG-I), and Middle Income Group II (MIG-II), accordingly to a house income per annum.
Replying to a query, Solo said that in Nagaland 18 beneficiaries have availed house loans and four beneficiaries have claimed their subsidy. She added that more forms have been dispatch to various banks across the State to facilitate the people who need house loan.
An official informed that for 23 ULBs in Nagaland, 27 banks (both private and government undertaking) have been allocated to give housing loan under CLSS of PMAY. The department has targeted atleast 6266 beneficiaries from the banks spread across the State. It is expected to increase as MIG-I and MIG-II have been included till 2019.